ESAF Small Finance Bank Limited Q2 FY26 results press release summary

Results press release of 11 Nov 2025, summarised by AI from the filing.

ESAF Small Finance Bank narrowed Q2 FY26 net loss to ₹116 crore as total business grew 5.2% YoY to ₹42,031 crore.

Key takeaways

1. Net loss Narrowed to ₹116 cr in Q2 FY26 (Q2 FY25: ₹190 cr loss).
2. Secured lending Secured loan disbursements surged 161% to ₹7,292 cr, 82% of total disbursements.
3. Gold loans Gold loan book more than doubled to ₹7,500 cr from ₹3,741 cr a year ago.
4. CASA ratio Improved to 26.4% from 24.6% last year.

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)