ESAF Small Finance Bank Limited Q4 FY25 results press release summary

Results press release of 16 May 2025, summarised by AI from the filing.

No forward-looking guidance was provided in the press release.

Key takeaways

1. No guidance No forward-looking guidance was provided in the press release.
2. Secured shift Secured loans now 52.84% of total portfolio, up from 29.98% in FY24.
3. Gold loans Gold loan portfolio grew 98% YoY to ₹5,734 cr in FY25.
4. Microloan stress Macro-level stress in legacy microloan portfolio led to higher provisions and loss.

Original filing on BSE

ESAF Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹1,098 cr, EBITDA −₹141 cr, PAT ₹80.1 cr, EBITDA margin -12.9%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,196 cr, EBITDA ₹27.1 cr, PAT ₹23.5 cr, EBITDA margin 2.3%. Not scored. Bank result format: not scored yet. Share price after the results: +8.4% in 29 days (Nifty 500: −0.1%).
• Q3 FY26: Revenue ₹894 cr, EBITDA −₹260 cr, PAT ₹7.1 cr, EBITDA margin -29.1%. Not scored. Bank result format: not scored yet. Share price after the results: −6.6% in 28 days (Nifty 500: +0.4%).
• Q2 FY26: Revenue ₹820 cr, EBITDA −₹300 cr, PAT −₹116 cr, EBITDA margin -36.6%. Not scored. Bank result format: not scored yet. Share price after the results: −8.2% in 30 days (Nifty 500: −0.6%).
• Q1 FY26: Revenue ₹828 cr, EBITDA −₹304 cr, PAT −₹81.0 cr, EBITDA margin -36.7%. Not scored. Bank result format: not scored yet. Share price after the results: −7.3% in 28 days (Nifty 500: +0.6%).
• Q4 FY25: Revenue ₹893 cr, EBITDA −₹384 cr, PAT −₹183 cr, EBITDA margin -43.0%. Not scored. Bank result format: not scored yet. Share price after the results: +2.2% in 28 days (Nifty 500: +0.2%).
• Q3 FY25: Revenue ₹950 cr, EBITDA −₹394 cr, PAT −₹211 cr, EBITDA margin -41.5%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹996 cr, EBITDA −₹352 cr, PAT −₹190 cr, EBITDA margin -35.3%. Not scored. Bank result format: not scored yet.

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

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

• Q1 FY27: Earnings call (3 Aug 2026), Results deck (31 Jul 2026), Results press release (31 Jul 2026)
• Q4 FY26: Earnings call (4 May 2026), Results press release (30 Apr 2026)
• Q3 FY26: Earnings call (2 Feb 2026), Results deck (31 Jan 2026), Results press release (30 Jan 2026)
• Q2 FY26: Earnings call (12 Nov 2025), Results deck (11 Nov 2025), Results press release (11 Nov 2025)
• Q1 FY26: Earnings call (11 Aug 2025), Results deck (9 Aug 2025), Results deck (10 Aug 2025), Results press release (8 Aug 2025)
• Q4 FY25: Earnings call (19 May 2025), Results deck (17 May 2025), Results press release (16 May 2025)