| Revenue growth | NII +73% YoY, +10% QoQ |
|---|---|
| Margins | NIM 8.2% vs 5.9% YoY; yield on advances 17.5% |
| Demand visibility | Retail deposits ₹25,475 Cr; 89% of deposits |
Growth
Advances ₹23,934 Cr (+25% YoY); deposits ₹28,466 Cr (+24% YoY); PPOP ₹362 Cr (+289% YoY); PAT +100% QoQ.
Outlook
No explicit numeric guidance; no capex or acquisition plans disclosed. Crossed 1 crore customers.
Risks
MARG SMA-0 jumped to ₹1,085 Cr from ₹294 Cr QoQ; microfinance down 65% YoY; other income down 14% QoQ.
Last quarter's promises, checked
Delivered
- NIM guided >7.5% → 8.2% (= BEAT)
- ROE guided 17–20% → 26.5% (= BEAT)
- Advances growth guided 22–25% YoY → +25% YoY (= BEAT, top end)
Partly delivered
- Credit cost guided ~2% by FY27-end → 2.6% in Q2 (= PARTIAL)
- ROA guided 2% by FY27-end → 1.5% quarterly (= PARTIAL)
Investor Presentation filed with BSE, NSE: ESAFSFB. Summary written with AI assistance from the document.
ESAF Small Finance Bank Ltd: key numbers
- Share price
- ₹42.94
- Market cap
- ₹2,216 Cr
- Revenue (annual)
- ₹3,537 Cr
- Net profit (annual)
- ₹-166.4 Cr
- P/E (TTM)
- -434.6×Sector 19.7×
- 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 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%.
ESAF Small Finance Bank Employee Stock Options
ESAF Small Finance Bank allotted 42,210 shares to employees on ESOP exercise. Total issued equity rises to 51,61,62,511 shares.
ESAF Small Finance Bank Business Update
ESAF Small Finance Bank completed its migration to the Oracle FLEXCUBE core banking system on 26 October 2026. Banking services have been restored to customers.
ESAF Small Finance Bank Debt & Borrowing: ₹4.4 Cr
ESAF Small Finance Bank has made the quarterly interest payment of ₹4.40 Crore for its non-convertible securities, confirming compliance with SEBI regulations.
- Value
- ₹4.40 Cr
ESAF Small Finance Bank Debt & Borrowing: ₹1.82 Cr
ESAF Small Finance Bank Limited has successfully made an interest payment of ₹0.18 Crore for its non-convertible securities, as confirmed per SEBI Regulation 57.
- Value
- ₹1.82 Cr