H1 FY26: net profit up 6%, gross advances up 18%, deposits up 20%

Ebitda Margin CompressionNegative Operating CashflowContingent Liabilities IncreasedResults View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

+0.2%Reaction day

₹286.35

prior close

₹291.00

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used-0.2%+0.4% vs market

Other Bank peers, median of 8sector-0.4%+0.6% vs sector

On the reaction day the stock moved 0.4 pts more than Nifty Microcap 250 and 0.6 pts more than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

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10m

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15m

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30m

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Sessions after the filingfrom the prior close

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Reaction day

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Next day

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-4.0+0.5-4.5-0.1-3.9

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-6.4-1.9-4.5-2.5-3.9

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15d

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UpDownMarket · Nifty Microcap 250Sector · Other Bank peers, median of 8Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

Capital Small Finance Bank approved unaudited Q2 and H1 FY26 results. H1 total income rose 14% to Rs 550 crore and net profit rose 6% to Rs 67 crore. Gross advances grew 18% to Rs 7,907 crore and deposits 20% to Rs 9,317 crore. GNPA was 2.70%, NNPA 1.38% and CRAR 24.23%; Q2 NIM slipped to 4.0%. Contingent liabilities rose 26% to Rs 88 crore and H1 operating cash flow was negative Rs 300 crore. H1 operating margin eased to 18.56% from 18.74%.

Likely market impact

Loan and deposit growth and low NPAs help, but negative operating cash flow, higher contingent liabilities and softer margins may cap gains.