ESAF Small Finance Bank Limited Q2 FY27 results press release summary

Results press release of 29 Oct 2026, summarised by AI from the filing.

ESAF Small Finance Bank reports record quarterly PAT of ₹160 cr in Q2 FY27, with NNPA at 0.3% and secured advances at 64% of the portfolio.

Key takeaways

1. Record PAT Q2 FY27 PAT at ₹160 cr, doubled sequentially, against a loss of ₹116 cr in Q2 FY26.
2. No guidance The release gives no forward revenue, margin or profit guidance for FY27 or beyond.
3. Asset quality GNPA/NNPA improved to 2.8%/0.3% as of 30 September 2026 from 8.5%/3.8% a year earlier.
4. Secured mix Secured advances grew 32% YoY to ₹15,377 cr, now 64% of the portfolio.
5. Cost ratio Cost to income at 57.7% in Q2 FY27 remains high despite improving from 82.0% in Q2 FY26.

Original filing on BSE

ESAF Small Finance Bank Limited Q2 FY27 results

As filed: Revenue ₹1,175 cr, EBITDA ₹1.2 cr, PAT ₹160 cr, EBITDA margin 0.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q1 FY27: Revenue ₹1,098 cr, EBITDA −₹141 cr, PAT ₹80.1 cr, EBITDA margin -12.9%. Not scored. Bank result format: not scored yet. Share price after the results: +22.6% in 28 days (Nifty 500: +0.7%).
• 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.

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

• Q2 FY27: Results deck (29 Oct 2026), Results press release (29 Oct 2026)
• 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)