ESAFSFB ESAF Small Finance Bank Q3 FY26 results (Oct–Dec 2025) and concall
ESAF Small Finance Bank reported a strong Q3 FY26, returning to profitability with a PAT of ₹7 crores, driven by significant improvements in asset quality and robust disbursement growth. The bank's strategic pivot towards secured lending, now 63% of gross advances, fueled NIM expansion to 6.6%. While microfinance book saw ARC sales, management expressed confidence in its stability and projected continued growth and ROA normalization by FY28.
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What they filed
Q3 FY26: revenue down 5.7%, net profit up 103.3% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 995 | 948 | 892 | 828 | 820 −18% | 894 −6% |
| Net profit | -190 | -211 | -183 | -81 | -116 +39% | 7 +103% |
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.
