Arthneeti

Capital Small Finance Bank Q2 FY27 Share Price & Earnings Call Analysis

₹271.60+3.07% today
Market cap
₹1,236 Cr
P/E
8.18
ROE
10.09%
PEG
0.54
Price to sales
1.15
Debt to equity
7.58
52W high / low
₹305 / ₹219
Sales growth (5Y)
15.44%
EBITDA margin
64.64%
Net profit margin
13.48%
Promoter holding
18.29%
Sales (last year)
₹1,090 Cr

Incorporated in 1999, Capital Small Finance Bank Ltd is India's first Small Finance Bank[1]

Guidance scorecard · Q2 FY27 call

What Capital Small Finance Bank Ltd's management guided
and where it ranks in Banks

#10of 27 in
Banks
Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

20–40%
  • Capital Small Finance Bank projects sustained growth with a target of 22% year-on-year credit growth for FY27.
  • They aim for INR 16,000 crores in gross advances by FY29.
  • MSME segment shows strong quarterly and yearly growth, fueling overall advances growth.
  • The bank expects continued traction in MSME loans, business loans, mortgage, and agriculture segments.
  • Deposit growth is balanced seasonally, with Q1 and Q3 showing higher deposit growth and Q2 and Q4 higher advance growth.
  • The average CD (credit-deposit) ratio is targeted to increase from 83% towards mid-to-high 80s by FY28-29.
  • Net Interest Margin (NIM) is expected to maintain or slightly improve around 4.2% in FY27, with expansion in FY28 and FY29 driven by higher CD ratios.

2 more points from Capital Small Finance Bank Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Capital Small Finance Bank Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned

Ask what Capital Small Finance Bank Ltd said on capex →

Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what Capital Small Finance Bank Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what Capital Small Finance Bank Ltd said on the order book →

Full Q1 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. AU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. RBL BankGood growth
    3
See all potential multibaggersWhere does Capital Small Finance Bank Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small Finance20–40%Flat₹74,341 Cr26.0
3RBL Bank20–40%Flat₹58,716 Cr49.8
420–40%Flat₹13,576 Cr9.4
520–40%Flat₹6,759 Cr8.6
620–40%Flat₹5,337 Cr8.0

Sign up free to see every company in the sector ranking and track Capital Small Finance Bank Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of Capital Small Finance Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Capital Small Finance Bank Ltd

Shareholding breakup across reporting periods.

Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +18.85%18.85%18.84%18.77%18.77%18.77%18.75%17.96%18.01%18.29%18.29%
FIIs +1.38%1.33%1.33%1.36%1.29%1.34%1.26%0.43%0.55%0.59%3.14%
DIIs +33.09%32.58%31.71%31.31%31.85%31.50%27.97%28.13%28.06%27.48%25.26%
Public +46.70%47.24%48.12%48.56%48.08%48.38%52.01%53.49%53.39%53.65%53.31%
No. of Shareholders89,96482,28076,54373,88070,11268,32567,31765,50463,24263,82661,987

Financials of Capital Small Finance Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +197204204218224235231247256272273288301
Interest113117117119123128128137145153152155165
Expenses +68677076828084908810092105104
Financing Profit16201724192719202319282932
Financing Margin %8%10%8%11%8%12%8%8%9%7%10%10%11%
Other Income +16182117261826232326262630
Depreciation0000000000000
Profit before tax32383840444645434646545562
Tax %25%25%25%25%25%25%24%25%25%25%26%25%26%
Net Profit +24292830333434323534404146
EPS in Rs8.176.266.667.407.537.577.077.707.588.829.0810.03
Gross NPA %2.73%2.97%2.76%2.69%2.61%2.67%2.58%2.74%2.70%2.68%2.54%2.47%2.36%
Net NPA %1.36%1.53%1.40%1.35%1.29%1.35%1.30%1.39%1.38%1.35%1.24%1.14%1.12%

Financials of Capital Small Finance Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +2713464585115786767949081,0491,134
Interest166211286313323354449498587624
Expenses +108128166174209227248304353401
Financing Profit-47724469597106108108
Financing Margin %-1%2%2%5%8%14%12%12%10%10%
Other Income +233143465449688698108
Depreciation012151616211717180
Profit before tax1927355484124148175189217
Tax %0%28%27%24%26%25%25%25%25%
Net Profit +191925416394112132141161
EPS in Rs24.7629.1031.1335.51
Dividend Payout %0%3%0%7%5%4%5%14%16%

Financials of Capital Small Finance Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital28283434343445454545
Reserves2052223734174825761,1521,2951,4161,477
Deposits2,8513,6674,4475,2216,0466,5617,4788,32310,01810,831
Borrowing222358421617498721472321499864
Other Liabilities +464556839398148124166176
Total Liabilities3,3524,3215,3306,3717,1547,9919,29510,10812,14413,393
Fixed Assets +658491878483848897109
CWIP0000000000
Investments8718631,0521,2121,3571,4891,7061,8191,9732,105
Other Assets +2,4173,3754,1875,0725,7136,4207,5068,20010,07411,179
Total Assets3,3524,3215,3306,3717,1547,9919,29510,10812,14413,393

Financials of Capital Small Finance Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +8-80174-21175116279-385
Cash from Investing Activity +-31-22-12-13-202-165-56-37
Cash from Financing Activity +134192197-120222223-155163
Net Cash Flow11190359-3449417368-258
Free Cash Flow-23-102162-2245598258-412

Financials of Capital Small Finance Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8%8%8%10%13%17%12%10%10%

Guidance history

How Capital Small Finance Bank Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlanned——
Q4 FY26 call →20–40%Up 0–2%Planned——
Q3 FY26 call →20–40%Up 0–2%Planned—Rising
Q2 FY26 call →20–40%Up 0–2%Planned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

27out of 100

Momentum score · price trend

27 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−4.4%57%
Last 6 months−2.8%51%
Last 3 months−6.9%53%

The price is 39.6% below its all-time high of ₹449.5 (16 Feb 2024). Stocks more than 20% below their peak have their score halved, so 54 became 27.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Capital Small Finance Bank Ltd: 0.4 × 57 + 0.4 × 51 + 0.2 × 53 = 54, halved to 27 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Capital Small Finance Bank Ltd's management said in earlier quarters

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