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.

Shalibhadra Finance Limited (NSE: SAHLIBHFI) is pleased to announce a substantial reduction in its incremental cost of borrowing. This strategic move marks a significant milestone for the company as it continues to serve India’s unbanked and underserved regions. Since April 2026, the company has successfully reduced its borrowing cost by 0.80% through the use of Listed Non-Convertible Debentures (NCDs).

Effective Cost Reduction Strategy

The company’s proactive approach to debt management has resulted in a notable decrease in interest rates. Specifically, from April 2026 to October 2026, the borrowing cost via NCDs has dropped from 12.00% to 11.20%. This reduction is a testament to the company’s effective financial strategy and its ability to navigate the market efficiently.

Impact on Customers and Profitability

This drastic reduction in borrowing costs will enable Shalibhadra Finance Limited to offer lower interest rates to its customers, thereby enhancing its competitive advantage. Additionally, the lower borrowing rates will positively impact the company’s net interest margins (NIMs) and overall profitability. The company plans to continue leveraging NCDs as a vital tool for raising debt, anticipating further reductions in borrowing rates in the future.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of Shalibhadra Finance Limited

Shalibhadra Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.

Shalibhadra moves sideways over three months, with neither buyers nor sellers taking control. The PEG of 0.37 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 54.2% reflect exceptional pricing power and operational efficiency. The stock holds at 41% of its 52-week range with RSI at 47. In other words, neither side has a clear edge right now. Revenue grows at 14.0% and profits at 32.5%. The business is in good shape. Moreover, a stock that does not move despite strong fundamentals often offers better value than one already priced for perfection. Check Fundamentals of Shalibhadra Finance Limited.

ICRA Limited announced its financial results for the second quarter and half-year ended September 30, 2026, on October 29th, 2026. The consolidated revenue from operations increased by 30.2% to ₹177.9 crore for the second quarter ended September 2026, compared to ₹136.6 crore in the corresponding quarter of the previous year. The profit after tax (PAT) increased by 9.2% to ₹52.4 crore from ₹48.0 crore in the corresponding quarter of the previous year.

Half-Year Results

Consolidated revenue from operations increased by 30.7% to ₹341.2 crore for the half-year ended September 2026, compared to ₹261.1 crore in the corresponding period of the previous year. The PAT for the half-year ended September 2026 increased by 20.0% to ₹108.9 crore from ₹90.8 crore in the corresponding period of the previous year.

Segment Performance

The consolidated results for Q2 and Hl FY2027 include the financial performance of Fintellix India Private Limited (Fintellix), acquired in October 2025. Commenting on the results, Mr. Ramnath Krishnan, MD & Group CEO, ICRA Limited, said: ‘Our Ratings business recorded broad-based growth during the quarter, supported by continued engagement with a growing client base. In Risk & Analytics, bringing our businesses onto a common operating platform is an important step, allowing us to serve clients’ risk, data and regulatory needs in a more integrated manner. As the operating environment evolves, our priority is to pair analytical rigour with scale to build lasting value for stakeholders.’

Q2 FY2027 continued to build on ICRA’s strong stakeholder engagement and thought leadership initiatives. A key highlight of the quarter was ICRA’s Infrastructure and Corporate Conclave, held in Delhi on August 20, 2026, where Dr. Ashok Kumar Lahiri, Vice Chairman, NITI Aayog, delivered the keynote speech on reframing perspectives on corporate India and infrastructure amid evolving headwinds. The event brought together senior officials from leading banks and corporates, providing a platform for meaningful dialogue on key developments shaping the infrastructure and corporate sectors.

Source: NSE Corporate Announcement

Fundamental & Technical Analysis of ICRA Limited

ICRA Limited belongs to the Financial Services › Financial Data & Stock Exchanges sector. Here’s a quick read on where the business and the stock stand today.

ICRA falls 13.5% over three months and has not found a floor yet. Industry-leading margins of 30.6% reflect exceptional pricing power and operational efficiency. The PEG of 2.16 is on the high side. However, it is acceptable for a quality compounder with a strong moat. The stock sits at 12% of its 52-week range, close to annual lows. Historically, value investors build positions at these levels — though cheap stocks can stay cheap. Revenue grows at 14.3% and profits at 10.3% CAGR, with D/E of 0.01. Meanwhile, the stock dips 13.5% 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 ICRA Limited.