| Revenue growth | Gross advances grew 19% YoY. |
|---|---|
| Margins | NIM improved to 7.3%; targeting 7% +/- 0.5% steady-state. |
| Demand visibility | Strong opportunities in rural and semi-urban markets. |
| Management confidence | High; citing 'growth is back' and asset quality issues ending. |
Growth
Total business up 15% YoY; gross advances up 19% to INR 22,426cr; NII grew to INR 518cr.
Outlook
Targeting 70% secured assets by Mar-2027, 2% ROA and 2% steady-state credit costs by FY28.
Risks
Backlog on provisioning to continue through FY27; geopolitical developments remain a watchpoint.
Earnings Call filed with BSE, NSE: ESAFSFB. Summary written with AI assistance from the document.
ESAF Small Finance Bank Ltd: key numbers
- Share price
- ₹42.86
- Market cap
- ₹2,212 Cr
- Revenue (annual)
- ₹3,537 Cr
- Net profit (annual)
- ₹-166.4 Cr
- P/E (TTM)
- -433.8×Sector 22.0×
- Promoter holding
- 63.25%-0.03% QoQ
- FII holding
- 0.31%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: ₹2.5 Cr
ESAF Small Finance Bank Limited has paid quarterly interest of ₹2.50 Crore on its non-convertible securities. The payment pertains to ISIN INE818W08172 and was completed on September 25, 2026.
- Value
- ₹2.50 Cr
ESAF Small Finance Bank Fund Raise of ₹500 Cr
ESAF Small Finance Bank's board approved raising ₹500 Crore via private placement of Tier II Non-Convertible Debentures. This initiative supports the bank's business growth plans.
- Value
- ₹500.0 Cr
ESAF Small Finance Bank Capital Structure Change
ESAF Small Finance Bank Limited has allotted equity shares under its ESOP scheme, marginally increasing its paid-up share capital.
ESAF Small Finance Bank Employee Stock Options
ESAF Small Finance Bank allotted 11,757 equity shares to employees following the exercise of vested stock options. These shares rank pari-passu with existing equity.
ESAF Small Finance Bank Debt & Borrowing: ₹7.51 Cr
ESAF Small Finance Bank paid ₹7.51 Crore as interest for its non-convertible debentures, confirming compliance with SEBI Regulation 57.
- Value
- ₹7.51 Cr
ESAF Small Finance Bank Board Meeting Date
ESAF Small Finance Bank has scheduled a Board Meeting on September 23, 2026, to consider raising funds through the issuance of Non-Convertible Debentures.