ALFA Finder| Revenue growth | Advances +23.4% YoY, +7.5% QoQ; NII +24%, PPOP +31% YoY. |
|---|---|
| Margins | NIM 4.24%, +20bp YoY, only +3bp QoQ; deposit repricing benefit fading. |
| Demand visibility | Retail and MSME demand strong; disbursements +36% YoY to ₹1,095 Cr. |
| Management confidence | Optimistic; 'growth-hungry' rhetoric, net NPA below 1% still unmet. |
Growth
Advances +23% YoY (+7.5% QoQ); NII +24%, PPOP +31%, PAT +31%, credit cost steady at 0.18%.
Outlook
Targets ₹16,000 Cr+ loan book, 300+ branches, ROA 1.6% by FY29; NIM guided 4.3–4.35%.
Risks
IRDAI draft circular threatens banca fees (~33% of non-fund income); no concrete mitigation plan. Agri weather exposure.
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 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.
Capital Small Finance Bank Board Meeting Date
Capital Small Finance Bank meets 29 October 2026 to consider September results, Tier II bonds and ESOP changes. Trading window closes 31 October.