ALFA Finder| 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
- ₹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.