ALFA Finder| Management target | Advances 22.0% FY27 |
|---|
| Revenue growth | NII grew 22% YoY to ₹134 Cr. |
|---|---|
| Margins | NIM improved to 4.21%; expected to stabilize at current levels. |
| Demand visibility | Healthy credit growth across retail, MSME, and agriculture segments. |
| Management confidence | High; confident in achieving Vision 2029 targets. |
Growth
Advances grew 22% YoY; Deposits grew 16% YoY. PAT increased 29% YoY to ₹41.3 Cr.
Outlook
Guided 22% growth for FY27; targeting ₹16,000 Cr loan book by FY29 with 1.6% RoA.
Risks
High-cost deposit repricing pressures and competitive liability landscape; agricultural risk due to climatic reasons.
Last quarter's promises, checked
Delivered
- Guided 22%+ loan growth for FY27 → delivered 22% in Q1 (= BEAT)
- Guided RoA 1.35%-1.40% for FY27 → delivered 1.33% (Q4) to 1.4% (Q1) (= BEAT)
- Targeted NIM expansion via deposit repricing → delivered NIM 4.21% vs 4.06% (= BEAT)
Partly delivered
- Targeted Opex/Assets 2.9%-3.0% for FY27 → delivered 3.1% in Q1 (= PARTIAL)
- Guided Cost-to-Income improvement → delivered 59.5% vs 58.2% sequentially (= PARTIAL)
Earnings Call Transcript 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.