ESAF Small Finance Bank Limited Q4 FY25 earnings call summary

Earnings call of 19 May 2025, summarised by AI from the filing.

ESAF Small Finance Bank reported Q4 FY25 net loss of ₹183 cr, with FY26 guidance of 15-20% loan growth and positive ROA by H2.

Key takeaways

1. Net loss Q4 FY25 net loss ₹183 cr, lower than ₹210 cr loss in Q3 FY25.
2. Secured shift Secured loans rose to 52% of book from 29% in March 2024.
3. Microfinance stress Microfinance sector stress impacted asset quality and profitability.

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)