Quarterly results · ESAFSFB
ESAF SMALL FINANCE BANK L reported revenue of ₹832 cr and net profit of ₹80.08 cr in Q1 FY27 (quarter ended 30 Jun 2026), +198.6% year on year. Below is the full quarter-wise results table with revenue, operating profit, margins, tax, EPS and annual history — updated automatically from exchange filings.
| Quarter | Q1 FY27 |
|---|---|
| Quarter ended | 30 Jun 2026 |
| Revenue | ₹832 cr |
| Revenue YoY | +45.3% |
| Operating profit | — |
| Operating margin | — |
| Net profit | ₹80.08 cr |
| Net profit YoY | +198.6% |
| Net profit QoQ | +240.6% |
| Net margin | 9.6% |
| Basic EPS | ₹1.55 |
| TTM revenue | ₹2,762 cr |
| TTM net profit | -₹5.1 cr |
| TTM net margin | -0.2% |
ESAF SMALL FINANCE BANK L (ESAFSFB) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹832 cr and a net profit of ₹80.08 cr, translating into earnings per share of ₹1.55.
Compared with the same quarter a year earlier, revenue grew strongly by +45.3% and net profit grew sharply by +198.6%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Revenue
₹832 cr
+45.3% YoY
Net profit
₹80.08 cr
+198.6% YoY
Operating profit
—
— YoY
EPS
₹1.55
+198.1% YoY
| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
|---|---|---|---|---|---|---|---|---|
| Q1 FY272026-06-30 | ₹832 cr | — | ₹80.08 cr | — | 9.6% | ₹1.55 | +198.6% | +240.6% |
| Q4 FY262026-03-31 | ₹719 cr | — | ₹23.51 cr | — | 3.3% | ₹0.46 | — | +230.2% |
| Q3 FY262025-12-31 | ₹702 cr | — | ₹7.12 cr | — | 1.0% | ₹0.14 | — | +106.1% |
| Q2 FY262025-09-30 | ₹509 cr | — | -₹116 cr | — | -22.7% | ₹-2.25 | — | -42.6% |
| Q1 FY262025-06-30 | ₹573 cr | — | -₹81.22 cr | — | -14.2% | ₹-1.58 | — | — |
| TTM (last 4 quarters) | ₹2,762 cr | — | -₹5.1 cr | — | -0.2% | ₹-0.10 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q2 FY262025-09-30 | Q1 FY262025-06-30 |
|---|---|---|---|---|---|
| Revenue / Sales | ₹832 cr | ₹719 cr | ₹702 cr | ₹509 cr | ₹573 cr |
| Interest cost | ₹514 cr | ₹477 cr | ₹462 cr | ₹456 cr | ₹450 cr |
| Profit before tax | ₹107 cr | ₹27.09 cr | ₹9.13 cr | -₹155 cr | -₹109 cr |
| Tax expense | ₹26.94 cr | ₹3.58 cr | ₹2.01 cr | -₹39.61 cr | -₹27.98 cr |
| Effective tax rate | 25.2% | 13.2% | 22.0% | 25.5% | 25.6% |
| Net profit (PAT) | ₹80.08 cr | ₹23.51 cr | ₹7.12 cr | -₹116 cr | -₹81.22 cr |
| Net profit margin | 9.6% | 3.3% | 1.0% | -22.7% | -14.2% |
| Basic EPS | ₹1.55 | ₹0.46 | ₹0.14 | ₹-2.25 | ₹-1.58 |
| Diluted EPS | ₹1.55 | ₹0.45 | ₹0.14 | ₹-2.25 | ₹-1.58 |
| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 |
|---|---|---|---|---|---|
| Revenue YoY | +45.3% | — | — | — | — |
| Revenue QoQ | +15.7% | +2.5% | +37.8% | -11.1% | — |
| Operating profit YoY | — | — | — | — | — |
| Operating profit QoQ | — | — | — | — | — |
| Net profit YoY | +198.6% | — | — | — | — |
| Net profit QoQ | +240.6% | +230.2% | +106.1% | -42.6% | — |
| EPS YoY | +198.1% | — | — | — | — |
| EPS QoQ | +237.0% | +228.6% | +106.2% | -42.4% | — |
Full-year performance for ESAF SMALL FINANCE BANK L, useful for reading each quarter in context.
| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
|---|---|---|---|---|
| Revenue / Sales | ₹2,512 cr | ₹2,519 cr | ₹2,811 cr | ₹2,055 cr |
| Interest cost | ₹1,837 cr | ₹1,811 cr | ₹1,449 cr | ₹1,017 cr |
| Profit before tax | -₹166 cr | -₹521 cr | ₹570 cr | ₹406 cr |
| Tax expense | -₹62 cr | -₹172 cr | ₹145 cr | ₹104 cr |
| Effective tax rate | 37.3% | 32.9% | 25.4% | 25.5% |
| Net profit (PAT) | -₹166 cr | -₹521 cr | ₹426 cr | ₹302 cr |
| Net profit margin | -6.6% | -20.7% | 15.1% | 14.7% |
| Basic EPS | ₹-3.23 | ₹-10.13 | ₹8.96 | ₹5.87 |
| Diluted EPS | ₹-3.23 | ₹-10.13 | ₹8.96 | ₹5.87 |
Topline for Q1 FY27 came in at ₹832 cr against ₹573 cr in Q1 FY26, and ₹719 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue grew +15.7%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Net profit of ₹80.08 cr works out to a net margin of 9.6% compared with -14.2% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, ESAF SMALL FINANCE BANK L reported profit before tax of ₹107 cr, a tax charge of ₹26.94 cr (effective rate 25.2%), interest cost of ₹514 cr. Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹23.51 cr in Q4 FY26 to ₹80.08 cr in Q1 FY27, a change of +240.6%.
Across the trailing four quarters ESAF SMALL FINANCE BANK L has generated revenue of ₹2,762 cr and net profit of -₹5.1 cr, a trailing net margin of -0.2%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹2,512 cr with net profit of -₹166 cr and EPS of ₹-3.23, versus the prior year where revenue declined -0.3% and profit grew +68.1%.
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend, the interest burden and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
ESAF SMALL FINANCE BANK L has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
No results report published for ESAFSFB yet — our desk covers each quarter within minutes of the filing.
In Q1 FY27 (quarter ended 30 Jun 2026), ESAF SMALL FINANCE BANK L reported revenue of ₹832 cr and net profit of ₹80.08 cr, a change of +198.6% year on year on +45.3% revenue growth. EPS stood at ₹1.55.
ESAF SMALL FINANCE BANK L posted a net profit margin of 9.6% and an operating margin of not available in Q1 FY27. On a trailing twelve-month basis, revenue is ₹2,762 cr and net profit -₹5.1 cr.
ESAF SMALL FINANCE BANK L net profit changed +240.6% quarter on quarter, from ₹23.51 cr in Q4 FY26 to ₹80.08 cr in Q1 FY27.
ESAF SMALL FINANCE BANK L has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Results coverage for ESAFSFB will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the ESAFSFB stock page.
For FY26, ESAF SMALL FINANCE BANK L reported full-year revenue of ₹2,512 cr and net profit of -₹166 cr, with EPS of ₹-3.23.
Past results dates for ESAFSFB will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 12 Sept 2026. For information only, not investment advice.
