ESAFSFB ESAF Small Finance Bank Q4 FY25 results (Jan–Mar 2025) and concall
ESAF Small Finance Bank reported a challenging Q4 FY25 with significant NIM compression and a full-year net loss, primarily due to stress in the microfinance portfolio. However, the bank demonstrated strong progress in its strategic shift towards secured lending, with the secured loan book reaching 52% and robust growth in gold loans and other secured segments. Management anticipates a return to profitability by H2 FY26, driven by continued portfolio rebalancing and operational efficiencies.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|
| Revenue | 995 | 948 | 892 |
| Net profit | -190 | -211 | -183 |
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.
