Equitas Small Finance Bank Limited Q4 FY25 results deck summary

Results deck of 30 Apr 2025, summarised by AI from the filing.

Q4FY25 PAT fell to ₹42 cr from ₹208 cr YoY; management expects asset quality cycle may turn positive by Q3FY26.

Key takeaways

1. Asset quality Management expects the asset quality cycle may turn positive by Q3FY26; impact of TN debt collection bill remains to be seen.
2. NIM NIM declined ~26 bps QoQ to 7.13% in Q4FY25 majorly contributed by drop in MFI portfolio.
3. Non MFI book Non MFI book grew 19% YoY, led by 25% growth in SBL; MLAP grew 50% YoY.
4. MFI stress Gross slippages for MFI remained stable at 14.37% despite crisis in Karnataka.

Original filing on BSE

Equitas Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹1,960 cr, EBITDA −₹11.0 cr, PAT ₹184 cr, EBITDA margin -0.6%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,836 cr, EBITDA ₹14.9 cr, PAT ₹213 cr, EBITDA margin 0.8%. Not scored. Bank result format: not scored yet. Share price after the results: +5.0% in 29 days (Nifty 500: −0.1%).
• Q3 FY26: Revenue ₹1,692 cr, EBITDA −₹176 cr, PAT ₹90.0 cr, EBITDA margin -10.4%. Not scored. Bank result format: not scored yet. Share price after the results: −5.8% in 29 days (Nifty 500: +0.4%).
• Q2 FY26: Revenue ₹1,617 cr, EBITDA −₹195 cr, PAT ₹24.0 cr, EBITDA margin -12.1%. Not scored. Bank result format: not scored yet. Share price after the results: +8.4% in 28 days (Nifty 500: +0.4%).
• Q1 FY26: Revenue ₹1,649 cr, EBITDA −₹589 cr, PAT −₹224 cr, EBITDA margin -35.7%. Not scored. Bank result format: not scored yet. Share price after the results: −7.7% in 28 days (Nifty 500: +0.6%).
• Q4 FY25: Revenue ₹1,644 cr, EBITDA −₹172 cr, PAT ₹42.0 cr, EBITDA margin -10.5%. Not scored. Bank result format: not scored yet. Share price after the results: −7.7% in 30 days (Nifty 500: +3.1%).
• Q3 FY25: Revenue ₹1,612 cr, EBITDA −₹148 cr, PAT ₹66.0 cr, EBITDA margin -9.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹1,555 cr, EBITDA −₹219 cr, PAT ₹13.0 cr, EBITDA margin -14.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Equitas Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Results deck (28 Jul 2026)
• Q4 FY26: Results deck (30 Apr 2026)
• Q3 FY26: Results deck (29 Jan 2026), Results press release (29 Jan 2026)
• Q2 FY26: Results deck (31 Oct 2025), Results press release (31 Oct 2025)
• Q1 FY26: Results deck (8 Aug 2025), Results press release (8 Aug 2025)
• Q4 FY25: Results deck (30 Apr 2025), Results press release (30 Apr 2025)
• Other events: Call transcript (3 May 2025)