ESAF SFB FY26 net loss narrows to Rs 166 cr; Q4 turns profitable at Rs 23.5 cr

Pat NegativePat Growth 25pctExceptional ItemResults View source PDF Explain this filing

ESAFSFB · price

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Price reactionminutes from the announcement price · days from the prior close

-0.3%Reaction day

₹26.49

prior close

₹26.25

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+1.5%-1.8% vs market

Other Bank peers, median of 8sector+0.8%-1.1% vs sector

On the reaction day the stock moved 1.8 pts less than Nifty Microcap 250 and 1.1 pts less than its Other Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

+3.0

10m

+3.7

15m

+3.6

30m

+2.4

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-0.3+1.5-1.8+0.8-1.1

Next day

+1.8+1.4+0.5+3.1-1.2

+3.1+3.0+0.0+4.2-1.1

+3.1+4.6-1.5+6.9-3.8

+11.9+4.5+7.4+5.8+6.1

+16.0+3.0+12.9+3.2+12.7

+15.7+0.6+15.1-0.6+16.3

15d

+9.4+2.9+6.5-0.6+10.0

+5.7+4.1+1.6-0.5+6.2

+30.5+10.5+20.0+5.2+25.3

+58.6+11.6+47.0+10.5+48.1

UpDownMarket · Nifty Microcap 250Sector · Other Bank peers, median of 8Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

ESAF Small Finance Bank reported Q4 FY26 net profit of Rs 23.51 cr, up from Rs 7.12 cr in Q4 FY25. FY26 net loss narrowed sharply to Rs 166.40 cr from Rs 521.39 cr, a 68% improvement. Total income was nearly flat at Rs 4,348 cr vs Rs 4,329 cr. Asset quality improved with GNPA falling to 5.41% (from 6.87%) and NNPA to 1.77% (from 2.99%). Capital adequacy ratio stayed strong at 22.22%. Joint statutory auditors issued an unmodified opinion.

Likely market impact

Narrowed losses and improved asset quality signal gradual recovery, though the bank remains loss-making at the full-year level.