ESAF SFB Q2/H1 FY26: Net loss widens; income down 11% YoY

Pat NegativeRevenue DeclineExceptional ItemResults View source PDF Explain this filing

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

-3.1%Reaction day

₹27.87

prior close

₹27.74

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+0.9%-4.1% vs market

Other Bank peers, median of 8sector-0.1%-3.0% vs sector

On the reaction day the stock moved 4.1 pts less than Nifty Microcap 250 and 3.0 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

-1.8

10m

-1.4

15m

-1.8

30m

-2.3

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-3.1+0.9-4.1-0.1-3.0

Next day

-2.9+0.8-3.8-0.0-2.9

-3.2+0.7-4.0+1.9-5.1

-3.4+1.3-4.8+4.9-8.4

-1.0+0.5-1.5+3.6-4.6

-2.4+0.4-2.8+4.0-6.4

-2.8-1.5-1.3+2.7-5.6

15d

-5.7-2.4-3.3+5.6-11.3

-8.0-4.4-3.6+0.1-8.1

-8.5-7.2-1.3+3.1-11.6

+1.3-5.0+6.2-0.4+1.7

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 Q2 FY26 net loss of Rs 116 crore versus Rs 81 crore loss in Q1 FY26 and Rs 190 crore loss in Q2 FY25. H1 FY26 net loss stood at Rs 197 crore against Rs 127 crore in H1 FY25. Total income fell 11% YoY. Gross NPA deteriorated to 8.54% from 6.87% YoY, while capital adequacy stayed strong at 22.43%. The bank absorbed 5,109 employees from ESMACO, booking a Rs 58 crore exceptional charge. Auditors issued an unmodified review opinion.

Likely market impact

Widening quarterly losses and rising NPA ratios remain concerns; strong capital adequacy and clean auditor opinion offer some cushion to shareholders.