ALFA Finder| Revenue growth | Interest earned grew 19% YoY in Q4FY26 to ₹274cr. |
|---|---|
| Margins | NIM improved to 4.06% from 4.01% QoQ; deposit costs declining. |
| Order book | AUM at ₹8,686.77cr; 98%+ of loan book is secured. |
| Demand visibility | Strong traction in MSME/Business segment (9% QoQ growth). |
| Management confidence | Targeting 'From Strong to Stronger' via Vision 2029 roadmap. |
Growth
Advances grew 21% YoY to ₹8,687cr. FY26 reported PAT was ₹141cr, up 7% YoY; excluding one-time charges, PAT grew 10%.
Outlook
Vision 2029 targets: ₹16,000cr+ advances, 300+ branches, 1.6% RoA, and 15% RoE. Targeting expansion into UP and Gujarat.
Risks
One-time ₹5.13cr charge for New Labour Code implementation. Asset quality shows GNPA at 2.54% and NNPA at 1.24%.
Earnings Call filed with BSE, NSE: CAPITALSFB. Summary written with AI assistance from the document.
Capital Small Finance Bank Ltd: key numbers
- Share price
- ₹278.80
- Market cap
- ₹1,268 Cr
- Revenue (annual)
- ₹1,049 Cr
- Net profit (annual)
- ₹141.4 Cr
- P/E (TTM)
- 7.9×Sector 20.8×
- Promoter holding
- 18.29%+0.00% QoQ
- FII holding
- 3.14%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Capital Small Finance Bank Ltd
All →Capital Small Finance Bank Earnings Call Transcript: Key Takeaways
Q2 FY27 PAT ₹46 Cr (+31% YoY), NIM 4.24%, GNPA 2.36%. Advances +23% YoY. Management deflected on IRDAI banca fee risk and offered no guidance upgrade.
Capital Small Finance Bank Results Update
Capital SFB's Q2 FY27 PAT rose 30.7% year-on-year to ₹45.61 crore, while advances grew 23.4%. Asset quality improved, with GNPA at 2.36% and NNPA at 1.12%.
Capital Small Finance Bank Investor Presentation: Key Takeaways
Q2FY27 PAT Rs46 Cr (+31% YoY), NII +24%, advances Rs9,755 Cr (+23% YoY), GNPA 2.36%. Vision 2029 targets 2x advances and 1.5x branches.
Capital Small Finance Bank Management Change
Capital Small Finance Bank's board approved two independent director appointments pending shareholder approval. Joseph D'souza is regularised and Nageswara Rao Yalamanchili reappointed.
- Execution
- Joseph Conrad Agnelo D'souza: 5 years from September 28, 2026. Nageswara Rao Yalamanchili: 3 consecutive years from June 29, 2027.
Capital Small Finance Bank Q2 FY27 Results: Net Profit ₹45.6 Cr, Up 30.7% YoY
Capital Small Finance Bank Ltd reported revenue from operations of ₹300.8 Cr (+17.3% YoY) and net profit of ₹45.6 Cr (+30.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹45.6 Cr · +30.7% YoY
Capital Small Finance Bank Employee Stock Options
Capital SFB's NRC approved vesting of 3,71,400 ESOP options (60% of outstanding) to employees. Vested options are exercisable within one year from vesting date.