Capital Small Finance Bank Limited (CAPITALSFB) has unveiled its investor presentation for Q2 & H1 FY27, highlighting significant financial metrics and business growth. The presentation underscores the bank’s robust performance, particularly in asset growth, profitability, and asset quality.

Asset Growth

The bank’s loan book has seen a 23.4% year-on-year growth, reaching INR 9,755 crores in Q2 FY27, up from INR 7,907 crores in Q2 FY26. Deposits have also grown by 16.2% year-on-year, totaling INR 10,831 crores in Q2 FY27 compared to INR 9,317 crores in Q2 FY26.

Profitability

Capital Small Finance Bank Limited has demonstrated strong profitability, with a 30.7% year-on-year increase in profit after tax (PAT) to INR 46 crores in Q2 FY27, up from INR 35 crores in Q2 FY26. The bank’s return on assets (ROA) stands at 1.39%, and return on equity (ROE) at 12.23%.

Asset Quality

The bank maintains best-in-class asset quality metrics, with a gross non-performing asset (GNPA) ratio of 2.36% and a net non-performing asset (NNPA) ratio of 1.12% in Q2 FY27. These figures reflect the bank’s disciplined lending practices and effective risk management.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Capital Small Finance Bank Limited

Capital Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

Capital falls 10.1% over three months and has not found a floor yet. The PEG of 0.56 signals undervaluation relative to growth. It is a potential re-rating candidate. Industry-leading margins of 29.3% reflect exceptional pricing power and operational efficiency. The stock gains 0.0% in the last month, recovering from the three-month slide. However, it is too early to call this a confirmed reversal. Revenue grows at 14.6% and profits at 14.7% CAGR, with D/E of 0.24. Meanwhile, the stock dips 10.1% in three months without any fundamental deterioration. Consequently, the stock quietly becomes cheaper relative to earnings power. For long-term investors, that is a feature. Check Fundamentals of Capital Small Finance Bank Limited.

Equitas Small Finance Bank Limited (EQUITASBNK) announced its unaudited financial results for the quarter and half year ended September 30, 2026. The bank reported its highest-ever quarterly profit after tax (PAT) of Rs. 218 crore in Q2FY27, marking an 803% year-on-year growth. The bank’s total business crossed the Rs. 1 lakh crore milestone in Q2FY27.

Business Highlights

Gross advances grew by 30% year-on-year and 6% quarter-on-quarter, crossing the ₹50,000 crore milestone. Total deposits grew by 19% year-on-year and 7% quarter-on-quarter, also crossing the ₹50,000 crore milestone. The bank’s overall disbursements stood at ₹7,450 crore in Q2FY27, up 38% year-on-year and 10% quarter-on-quarter.

Profitability & Key Ratios

Net income for Q2FY27 grew by 32% year-on-year and 3% quarter-on-quarter, while total operating expenses grew by 20% year-on-year and 4% quarter-on-quarter. The bank’s net interest margin (NIM) for Q2FY27 stood at 6.69%, declined by 55 bps quarter-on-quarter.

Asset Quality & Provisions

Gross NPA improved by 13 bps quarter-on-quarter to 2.29% in Q2FY27 as compared to 2.42% in Q1FY27. Net NPA improved by 1 bps quarter-on-quarter to 0.70% in Q2FY27 as compared to 0.71% in Q1FY27.

As a forward-looking statement, Equitas Small Finance Bank Limited is poised to continue its robust growth trajectory, driven by strong asset quality and prudent risk management.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

Equitas falls 9.5% over three months and has not found a floor yet. 1 loss quarter(s) over five years signals earnings fragility — not chronic but worth noting. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock holds at 59% of its 52-week range with RSI at 52. In other words, neither side has a clear edge right now. Revenue grows at 12.1% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of Equitas Small Finance Bank Limited.

ESAF Small Finance Bank Limited (ESAFSFB) unveiled its Q2 FY27 investor presentation, highlighting significant growth and improved asset quality. The bank’s gross advances surged by 25% year-on-year to ₹23,934 crore, driven by robust portfolio expansion across various segments. Notably, the MARG portfolio, comprising MSME, Agriculture, Retail, and Gold loans, grew by 38% year-on-year, contributing to the overall growth. Emerging Household loans also saw a remarkable 134% year-on-year increase, underscoring the bank’s strategic focus on higher-value segments.

Deposit Growth and Cost Management

Deposits grew by 24% year-on-year to ₹28,466 crore, with a significant increase in the CASA ratio to 23.3%. The cost of deposits remained stable at 7.0%, reflecting efficient cost management. Retail deposits, contributing to 89% of total deposits, crossed ₹25,000 crore, indicating strong customer trust and engagement.

Profitability and Asset Quality

The bank reported a net profit of ₹160 crore for Q2 FY27, with net non-performing assets (NPA) at a low 0.3%. The return on assets (RoA) and return on equity (RoE) stood at 1.5% and 26.5%, respectively. The cost to income ratio improved to 57.7%, showcasing efficient operational performance.

Overall, ESAF Small Finance Bank Limited’s Q2 FY27 results reflect a strong financial performance, driven by strategic portfolio growth and effective cost management, positioning the bank for sustained growth in the future.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of ESAF Small Finance Bank Limited

ESAF Small Finance Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.

ESAF gains 25.8% over three months and trades near its 52-week highs. Razor-thin margins below 5% make profitability extremely vulnerable — this business needs scale or pricing power urgently. No meaningful dividend — total return is entirely dependent on capital appreciation. The stock trades at 94% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The stock rises 25.8% in three months. Yet revenue grows at only 6.9% and the PEG stands at 99.00. Either the market prices in a turnaround that has not shown up yet, or this is momentum without substance. Check the next two earnings prints before drawing conclusions. Check Fundamentals of ESAF Small Finance Bank Limited.