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.
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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.
Kashiv (OnEMI) delivers high growth and margin expansion by shifting toward higher-quality, less-leveraged borrowers.
Broad-based volume growth across geographies despite severe inflation in raw material inputs.
H1 FY27 total revenue ₹1,738.52 lakh, up 54% YoY, while PAT fell about 28% to ₹36.95 lakh on finance and staff costs. Management guides H2 revenue up about 40% and FY27 PAT up about 80%.
Senores delivered record quarterly revenue and EBITDA, driven by US portfolio expansion and regulated market growth.
Q2 FY27 consolidated PAT ₹6,547 Cr (+57%), revenue ₹44,179 Cr (+21%), EBITDA margin 26%; H1 PAT ₹15,397 Cr (+19%). Production -2% in H1; offtake +8%.
Q2 FY27 revenue ₹30.74 Cr, EBITDA ₹3.31 Cr at 10.70% margin, PAT ₹1.27 Cr. Modernisation and de-bottlenecking reinvestment started. No explicit guidance given.
Firstsource delivers solid sequential growth led by BFS, while raising the floor of their full-year revenue guidance despite healthcare volatility.
Suzlon posted record second-quarter deliveries but faces margin pressure from commodity volatility and non-recurring branding costs.
Q2 FY27 consolidated total income ₹1,250 Cr (-13% YoY), EBITDA ₹478 Cr (+28%), PAT after MI ₹194 Cr (+19%). Pre-sales ₹1,827 Cr, realisation ₹13,841/sft.
InfoBeans delivered steady sequential growth despite macro headwinds, focusing heavily on AI integration and large enterprise relationships.
Laurus Labs delivered record revenue driven by CDMO strength and API growth. While margins improved through operating leverage, high capex continues to constrain free cash flow.
Q2FY27 standalone revenue Rs1,309mn (+28.3% YoY) but PAT Rs186mn (-6.1%); EBITDA margin 24.6% (-371bps). Consolidated PAT Rs131mn (-29.2%).
Sasken delivered a strong performance with 26% YoY revenue growth, driven by software services expansion and improved operational efficiencies.
Karnataka Bank reported robust growth across key metrics, driven by retail expansion and strategic pruning of low-yield corporate exposure.
Arkade Developers maintains operational pace with strong collections despite moderated pre-sales, focusing on redevelopment projects in Mumbai's western suburbs.
H1 FY27 total income ₹131 Cr (+56%), PAT ₹9.99 Cr (+72%), EBITDA margin 11.74% (+115bp). Growth is volume-led, with 7-8% pricing support.
IndiGo reported a significant net loss of ₹1,900 Cr due to historically high fuel costs and seasonal monsoon softness, despite strong yield growth.
Shadowfax hit record ₹1,538 Cr revenue and 5% EBITDA margin, signaling strong transition toward profitability.
Ambuja delivers a resilient volume-led quarter despite monsoon headwinds, pivoting toward aggressive capacity expansion to 155 MTPA by FY30 while maintaining cost leadership.
Horizon reports record revenue and EBITDA driven by industrial demand and successful deleveraging post-IPO.
Q2FY27 Operating PAT ₹718 Cr (+29% YoY); H1FY27 Total PAT ₹2,583 Cr (+51%). Asset Management now largest profit contributor at 43%; ARR 66% of revenue.
Optimystix is pivoting from a commission-based production model to owning 100% IP in digital and animation to drive high-margin recurring revenue.
Revenue grew 7% YoY, but margins were hit by costly Shopify migration and UK warehouse consolidation.
GK Energy transitions from a solar pump player to a multi-segment renewable platform, posting 39% revenue growth despite monsoon seasonality.
Kaveri Seed delivered a Q2 recovery after an El Niño-impacted Q1, though H1 figures remain dragged down by maize degrowth. Management is pivoting toward international expansion through new subsidiaries to offset domestic volatility.
Q3 (Jul–Sep 2026): revenue INR1,735 Cr (+27% YoY), PAT INR176 Cr (-23%), EBITDA margin ~15%. 9M revenue INR5,151 Cr (+20%), PAT INR766 Cr (+9%). No near-term guidance amid input inflation.
Kanpur Plastipack achieved record quarterly revenue despite global headwinds, though profitability was significantly aided by one-time export incentives.
Strong core performance overshadowed by a significant gold loan delinquency spike driven by product structural shifts. Management maintains aggressive expansion targets despite asset quality headwinds in rural segments.
Q2 FY27 consolidated revenue ₹136.3 Cr (+110.9% YoY), EBITDA ₹23.6 Cr (17.3%), PAT ₹11.8 Cr; Innoxel turned profitable.