ALFA Finder| Margins | NIM improved to 7.9% from 6.0% YoY. |
|---|---|
| Demand visibility | Strong growth in Emerging Household and MARG portfolios. |
Growth
Gross Advances grew 27% YoY to ₹23,216 Cr. Net Interest Income surged 54.6% YoY to ₹584 Cr.
Outlook
Focus on granular retail deposits and increasing secured mix, which reached 62% in June-26 from 59% YoY.
Risks
Microfinance group loans declined 58% YoY. Kerala concentration remains high at 71% of deposits and 33% of advances.
Last quarter's promises, checked
Delivered
- Guided return to profitability → delivered ₹80 Cr Net Profit (= BEAT)
- Targeting shift to secured mix → delivered 62% secured portfolio (= BEAT)
- Guided NIM improvement → delivered 7.9% NIM vs 6.6% previous (= BEAT)
Partly delivered
- Guided FY27 loan growth ~25% → delivered 27% YoY growth (= BEAT)
Investor Presentation 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%.