Capital Small Finance Bank Ltd — Q4 FY26
Capital Small Finance Bank delivered a steady Q4 FY26 with PAT of 40 cr (+17% YoY) and NIM improving to 4.06% (+5bps QoQ).
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
Advance growth of 20%+ for FY26
Management reiterated 20%+ organic secured loan book growth for FY26, with a medium-term target of ₹16,000 Cr advances by FY29.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
NIM expansion of ~10 bps in Q1 FY27
Expect NIM to improve by ~10 bps in Q1 FY27 from deposit repricing benefits, with further improvement in Q2.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1