Capital Small Finance Bank Limited vs Kotak Mahindra Bank Limited

A side-by-side comparison of Capital Small Finance Bank Limited (CAPITALSFB) and Kotak Mahindra Bank Limited (KOTAKBANK) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

Capital Small Finance Bank Limited vs Kotak Mahindra Bank Limited are evenly matched on the numbers (6–6, 2 undecided). The breakdown below shows where each one wins.

  • Valuation40
  • Profitability13
  • Growth10
  • Size & financial health03
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

CAPITALSFB takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

8.84
P/E ratio
23.06
0.83
P/B ratio
2.29
1.84%
Dividend yield
0.16%
₹31.20
EPS
₹19.40

Profitability

KOTAKBANK takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

9.68%
Return on equity
10.65%
6.39%
Return on capital
5.54%
18.01%
EBITDA margin
24.31%
13.48%
Net margin
27.64%

Growth

CAPITALSFB takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

—
Revenue CAGR (3Y) even
18.30%
14.58%
Profit CAGR (3Y)
8.92%

Size & financial health

KOTAKBANK takes 3/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹1,231 Cr
Market cap
₹4.44L Cr
₹1,049 Cr
Revenue
₹69,781 Cr
₹141 Cr
Net profit
₹19,288 Cr
0.00
Debt / equity even
0.00
Capital Small Finance Bank Limited
  • + ["Company has delivered good profit growth of 28.1% CAGR over last 5 years", "Stock is trading at 0.85 times its book value"]
  • − []
Kotak Mahindra Bank Limited
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
Capital Small Finance Bank Limited full analysis Kotak Mahindra Bank Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.