| Management target | Revenue 100.0% FY29 |
|---|
| Margins | NIM improved to 4.21% from 4.06% YoY |
|---|---|
| Order book | Advances at INR 9,074 Cr |
| Demand visibility | Strong growth in MSME segment (49% YoY) |
| Management confidence | High; Vision 2029 targets clear scale expansion |
Growth
PAT grew 29% YoY; Advances increased 22% YoY to INR 9,074 Cr; NII up 22% YoY.
Outlook
Vision 2029 targets 2x Advance Book (INR 16k+ Cr), 300+ branches, and RoA of 1.6%++.
Risks
Historical asset quality impacted by deficit rainfall; CI ratio remains high at 59.5%.
Last quarter's promises, checked
Delivered
- Guided NIM improvement → delivered 4.21% vs 4.06% (= BEAT)
- Guided 22% Advance growth for FY27 → delivered 22% (= BEAT)
- Guided ROA 1.35%-1.4% for FY27 → delivered 1.33% in Q4 to 1.35% range (= BEAT)
Partly delivered
- Guided branch expansion to 235 by year-end → currently at 211 (= PARTIAL)
Missed
- Guided opex to average assets 2.9%-3% → delivered 59.5% CI ratio (remains high) (= MISS)
Investor Presentation filed with NSE, NSE: CAPITALSFB. Summary written with AI assistance from the document.
Capital Small Finance Bank Ltd: key numbers
- Share price
- ₹282.75
- Market cap
- ₹1,286 Cr
- Revenue (annual)
- ₹1,049 Cr
- Net profit (annual)
- ₹141.4 Cr
- P/E (TTM)
- 8.5×Sector 22.0×
- Promoter holding
- 18.29%+0.28% QoQ
- FII holding
- 0.59%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
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Capital SFB reported Q1 FY27 PAT of ₹41.3 Cr, up 29% YoY, with gross advances growing 22% to ₹9,074 Cr. Strategy focuses on secured lending and retail-centric deposit growth.
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Capital Small Finance Bank Q1 FY27 Results: Net Profit ₹41.3 Cr, Up 29.1% YoY
Capital Small Finance Bank Ltd reported revenue from operations of ₹288.2 Cr (+16.6% YoY) and net profit of ₹41.3 Cr (+29.1% YoY) for Q1 FY27.
- Key figure
- Net profit ₹41.3 Cr · +29.1% YoY
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