ALFA Finder| Revenue growth | Net Interest Income for FY26 fell 17% YoY to ₹1,699.74cr. |
|---|---|
| Margins | NIM for FY26 stood at 6.4% vs 8.1% in FY25. |
| Order book | Gross Advances at ₹22,426cr as of March 2026. |
| Demand visibility | Strong traction in Gold Loans (55% YoY growth). |
Growth
FY26 Gross Advances grew 19.4% YoY to ₹22,426cr; Deposits up 11.1% to ₹25,850cr. Q4FY26 PAT turned positive at ₹24cr.
Outlook
Targeting deeper penetration via new branches and BCs, focusing on secured lending (MARG) and increasing fee-based income.
Risks
Asset quality remains a concern with GNPA at 5.4% and NNPA at 1.8%; high micro-loan concentration (39% of book).
Earnings Call filed with BSE, NSE: ESAFSFB. Summary written with AI assistance from the document.
ESAF Small Finance Bank Ltd: key numbers
- Share price
- ₹43.43
- Market cap
- ₹2,242 Cr
- Revenue (annual)
- ₹3,537 Cr
- Net profit (annual)
- ₹-166.4 Cr
- P/E (TTM)
- 8.3×Sector 20.8×
- Promoter holding
- 63.23%-0.02% QoQ
- FII holding
- 0.19%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from ESAF Small Finance Bank Ltd
All →ESAF Small Finance Bank Debt & Borrowing: ₹4.27 Cr
ESAF Small Finance Bank paid Rs.4.27 Crore interest on non-convertible securities (ISIN INE818W08156) on 07 November 2026. Payment was made ahead of the 10 November due date.
- Value
- ₹4.27 Cr
ESAF Small Finance Bank Debt & Borrowing: ₹0.81 Cr
ESAF Small Finance Bank paid ₹81.22 lakh NCD interest one day before the due date. No redemption occurred during the period.
- Value
- ₹0.81 Cr
ESAF Small Finance Bank Results Update
ESAF Small Finance Bank reported Q2 FY27 PAT of ₹160 Crore, with NNPA improving to 0.3%. Gross advances grew 25% YoY to ₹23,934 Crore.
ESAF Small Finance Bank Investor Presentation: Key Takeaways
Q2 FY27 PAT ₹160 Cr vs ₹116 Cr loss YoY; NII ₹643 Cr (+73% YoY). GNPA 2.8%, NIM 8.2%, CRAR 24.1%, cost-to-income 57.7%.
ESAF Small Finance Bank Q2 FY27 Results: Turns Profitable, Net Profit ₹160.2 Cr
ESAF Small Finance Bank Ltd reported revenue from operations of ₹1,175 Cr (+43.3% YoY) and net profit of ₹160.2 Cr for Q2 FY27.
- Key figure
- Net profit ₹160.2 Cr
ESAF Small Finance Bank Other Announcement
ESAF Small Finance Bank filed its quarterly shareholding pattern for September 2026. Promoters hold about 63% of shares, with voting rights capped at 26%.