Capital Small Fin.
Small Finance Bank · NSE CAPITALSFB · Market cap ₹1,282
Latest FY FY2026
Loan growth
20.9%
Deposit growth
20.4%
NIM
4.2%
88th pctile
ROA
1.3%
ROE
10.5%
Gross NPA
2.5%
13th pctile
P/B
0.69x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 20.9% | 17.7% | +3.2pp | — |
| Deposit growth | 20.4% | 13.4% | +7.0pp | — |
| CASA | 36.7% | 32.7% | +4.0pp | 31th |
| NIM | 4.2% | 3.6% | +0.6pp | 88th |
| ROA | 1.3% | 1.1% | +0.2pp | — |
| ROE | 10.5% | 12.4% | -1.9pp | — |
| Gross NPA | 2.5% | 1.9% | +0.6pp | 13th |
| Credit cost | 0.9% | 1.3% | -0.4pp | — |
| Cost/income | 59.5% | 55.1% | +4.4pp | — |
| CRAR | 21.6% | 18.9% | +2.7pp | — |
| P/B | 0.69x | 1.07x | -0.4pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Net NPA at 1.14 — 6th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Net NPA -18.0% YoY to 1.14 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Advances growing +6.9pp vs listed-bank aggregate (share 0.04%, +0.00pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +10.4pp vs listed-bank aggregate (share 0.04%, +0.00pp 1Y) · |bank growth - system proxy growth| >= 5pp