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Capital Small Finance BankNSE:CAPITALSFB -0.12%26 Return-on-Tangible-Asset is 1.32% as of Jun. 2026, which is 5% above its 10-year median of 1.26. GuruFocus rates NSE:CAPITALSFB with a GF Score™ of 26/100. The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Capital Small Finance Bank ranks better than 65.23% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Capital Small Finance Bank's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹1,652 Mil. Capital Small Finance Bank's average total tangible assets for the quarter that ended in Jun. 2026 was ₹125,465 Mil. Therefore, Capital Small Finance Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.32%.
The historical rank and industry rank for Capital Small Finance Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:CAPITALSFB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.64 Med: 1.26 Max: 1.36
Current: 1.26
During the past 6 years, Capital Small Finance Bank's highest Return-on-Tangible-Asset was 1.36%. The lowest was 0.64%. And the median was 1.26%.
NSE:CAPITALSFB's Return-on-Tangible-Asset is ranked better than 65.23% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs NSE:CAPITALSFB: 1.26
Capital Small Finance Bank (NSE:CAPITALSFB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Capital Small Finance Bank Return-on-Tangible-Asset Related Terms
Capital Small Finance Bank Return-on-Tangible-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Capital Small Finance Bank Return-on-Tangible-Asset Chart
NSE:CAPITALSFB vs PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Capital Small Finance Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capital Small Finance Bank Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Capital Small Finance Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Capital Small Finance Bank's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.32% mean?
Capital Small Finance Bank (NSE:CAPITALSFB) has a Return-on-Tangible-Asset of 1.32% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Capital Small Finance Bank and its competitors. This is near median its historical median of 1.26. Over the past decade, Capital Small Finance Bank's Return-on-Tangible-Asset has ranged from 0.64 to 1.36. According to the industry distribution chart, Capital Small Finance Bank ranks #531 out of 1527 companies in the Banks industry, placing it in the top 34.8%.
Is Capital Small Finance Bank's Return-on-Tangible-Asset too high?
Capital Small Finance Bank's current Return-on-Tangible-Asset of 1.32% is near median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.36. The Banks industry median Return-on-Tangible-Asset is 1.01. Capital Small Finance Bank's value of 1.32% is 30.7% above this industry median. Based on the distribution chart, Capital Small Finance Bank ranks #531 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Capital Small Finance Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Capital Small Finance Bank's Return-on-Tangible-Asset compare to PNC?
According to the Banks industry distribution chart, Capital Small Finance Bank ranks #531 out of 1527 companies for Return-on-Tangible-Asset. This puts Capital Small Finance Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Capital Small Finance Bank's value of 1.32% is 30.7% above this benchmark. Historically, Capital Small Finance Bank's own Return-on-Tangible-Asset has ranged from 0.64 to 1.36 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 1.01, Capital Small Finance Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital Small Finance Bank's current Return-on-Tangible-Asset of 1.32% is 30.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Capital Small Finance Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Small Finance Bank's current Return-on-Tangible-Asset is 1.32%, which is near median its own 10-year median of 1.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Small Finance Bank stock overvalued right now?
Capital Small Finance Bank (NSE:CAPITALSFB) has a current Return-on-Tangible-Asset of 1.32%. The current Return-on-Tangible-Asset is 1.32%, which is near median its 10-year median of 1.26 and 30.7% above the Banks industry median of 1.01. Capital Small Finance Bank's overall GF Score™ is 26/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Capital Small Finance Bank (NSE:CAPITALSFB), the current Return-on-Tangible-Asset is 1.32% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Capital Small Finance Bank Ltd is India's first small finance bank. It offers a range of banking products such as saving accounts, Current Accounts, Term deposits, agriculture loans, MSME and trading loans (working capital, machinery loans, etc.), and mortgages (housing loans and loans against property) and operates in Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh and Union Territory of Chandigarh. It has four segments, namely Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. Maximum revenue is generated from the Retail Banking segment.
26GF Score
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