| 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
- ₹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.
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