| 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
- ₹276.00
- Market cap
- ₹1,255 Cr
- Revenue (annual)
- ₹1,049 Cr
- Net profit (annual)
- ₹141.4 Cr
- P/E (TTM)
- 8.3×Sector 21.9×
- 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.
More from Capital Small Finance Bank Ltd
All →Capital Small Finance Bank Employee Stock Options
Capital Small Finance Bank granted 3,561 equity shares as part of an Employee Stock Option Plan for a Material Risk Taker for FY 2025-26.
Capital Small Finance Bank Employee Stock Options
Capital Small Finance Bank Limited approved the grant of 25,582 ESOPs to Executive Director Munish Jain as part of his variable pay for FY 2025-26.
Capital Small Finance Bank Earnings Call Transcript: Key Takeaways
Capital SFB reported Q1 FY27 PAT of ₹41.3 Cr, up 29% YoY, with gross advances growing 22% to ₹9,074 Cr. Strategy focuses on secured lending and retail-centric deposit growth.
- Call
- Guides 22% growth
Capital Small Finance Bank Results Update
Capital Small Finance Bank reported Q1 FY27 results with a net profit of ₹41.3 crore and advances of ₹9,074 crore, showing strong growth in its lending franchise.
Capital Small Finance Bank Q1 FY27 Results: Net Profit ₹41.3 Cr, Up 29.1% YoY
Capital Small Finance Bank Ltd reported revenue from operations of ₹288.2 Cr (+16.6% YoY) and net profit of ₹41.3 Cr (+29.1% YoY) for Q1 FY27.
- Key figure
- Net profit ₹41.3 Cr · +29.1% YoY
Capital Small Finance Bank Board Meeting Date
Capital Small Finance Bank scheduled a board meeting for July 23, 2026. The board will consider and approve unaudited financial results for June 2026 quarter.