ESAFSFB ESAF Small Finance Bank Q4 FY26 results (Jan–Mar 2026) and concall
ESAF Small Finance Bank delivered a strong Q4 FY26, marked by robust growth in advances and deposits, alongside significant improvements in asset quality with declining GNPA and NNPA. The strategic shift towards a secured lending portfolio is yielding positive results, with the secured loan mix improving to 61%. Profitability saw a sequential uptick, and management provided optimistic guidance for future growth, asset quality, and return ratios, despite acknowledging a temporary backlog in provisioning.
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What they filed
Q4 FY26: revenue up 11.5%, net profit up 113.1% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|
| Revenue | 995 | 948 | 892 | 828 | 820 −18% | 894 −6% | 995 +12% |
| Net profit | -190 | -211 | -183 | -81 | -116 +39% | 7 +103% | 24 +113% |
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.
