ESAFSFB ESAF Small Finance Bank Q1 FY26 results (Apr–Jun 2025) and concall
ESAF Small Finance Bank reported a challenging Q1 FY26 with significant NIM compression and a decline in NII and PPOP, primarily due to a strategic shift towards lower-yielding secured assets, excess liquidity, and microfinance segment stress. Despite this, the bank demonstrated strong retail deposit and CASA growth, robust disbursement activity focused on secured lending, and an improved Provision Coverage Ratio, reflecting a deliberate de-risking and balance sheet strengthening strategy. Management expects a year of consolidation with a target for positive ROA by FY26-end.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 |
|---|---|---|---|---|
| Revenue | 995 | 948 | 892 | 828 |
| Net profit | -190 | -211 | -183 | -81 |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
