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ESAF Small Finance Bank
SectorFinancial Services
| Metric (₹ crore) | Q4 FY21 | Q1 FY22 | Q2 FY22 | Q3 FY22 | Q4 FY22 | Q1 FY23 | Q2 FY23 | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 385.09 | 406.24 | 430.63 | 505.41 | 597.64 | 690.31 | 688.19 | 701.28 | 773.8 | 898.72 | 943.37 | 974.4 | 1,002 | 1,022.34 | 995.28 | 947.85 | 892.06 | 828.23 | 819.82 | 894.05 | 995.08 | 1,097.77 |
| Expenses | 197.6 | 281.6 | 396.45 | 287.88 | 285.36 | 355.1 | 425.18 | 481.23 | 456.69 | 504.75 | 487.2 | 567.1 | 682.06 | 618.72 | 891.61 | 881.3 | 819.97 | 682.21 | 672.38 | 692.59 | 692.03 | 725.3 |
| Interest | 177.94 | 183.49 | 186.85 | 202.65 | 219.79 | 241.55 | 250.92 | 249.93 | 274.91 | 313.29 | 346.79 | 377.4 | 411.25 | 434.1 | 456.06 | 462.87 | 457.65 | 450.36 | 448.02 | 461.72 | 477.33 | 513.69 |
| EBITDA | 57.31 | -21.26 | -91.63 | 75.04 | 141.28 | 141.67 | 77.13 | 51.03 | 136.22 | 173.74 | 188.29 | 149.85 | 58.53 | 84.92 | -254.66 | -282.39 | -240.84 | -109.2 | -155.42 | 9.13 | 27.09 | 107.02 |
| Profit Before Tax | -120.63 | -204.75 | -278.48 | -127.61 | -78.51 | -99.88 | -173.79 | -198.9 | -138.69 | -139.55 | -158.5 | -227.55 | -352.72 | -349.18 | -710.72 | -745.26 | -698.49 | -559.56 | -603.44 | -452.59 | -450.24 | -406.67 |
| Net Profit | 43.29 | -15.85 | -91.63 | 56.61 | 105.6 | 105.97 | 57.58 | 37.41 | 101.38 | 129.96 | 140.12 | 112.14 | 43.35 | 62.77 | -190.07 | -210.9 | -183.19 | -81.22 | -115.81 | 7.12 | 23.51 | 80.08 |
| EPS | 1.01 | -0.35 | -2.04 | 1.26 | 2.35 | 2.36 | 1.28 | 0.83 | 2.26 | 2.89 | 3.12 | 2.43 | 0.91 | 1.22 | -3.69 | -4.1 | -3.56 | -1.58 | -2.25 | 0.14 | 0.46 | 1.55 |
| NIM | 0 | 0 | 0 | 0 | 0 | 0 | 9.7 | 9.9 | 0 | 11.3 | 11 | 10.6 | 10 | 9.4 | 8.6 | 7.7 | 6.9 | 6 | 5.9 | 6.6 | 7.3 | 0 |
| NPA | 6.7 | 10.39 | 6.31 | 6.57 | 7.83 | 6.16 | 8.11 | 7.24 | 2.49 | 1.65 | 2.64 | 4.16 | 4.76 | 6.61 | 6.98 | 6.96 | 6.87 | 7.48 | 8.54 | 5.64 | 5.41 | 5.4 |
| Metric (₹ crore) | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -239.13 | 1,088.88 | 1,127.45 | -584.5 | -570.7 | 1,000.93 | 3,176.32 | -1,960.29 |
| Investing Cash Flow | -170.9 | -634.78 | -637.96 | -981.85 | -573.22 | -582.54 | -768.83 | -191.67 |
| Financing Cash Flow | 487.77 | -499.04 | 653.27 | 1,258.83 | 399.07 | 235.1 | -1,851.62 | 1,347.37 |
| Net Cash Flow | 77.74 | -44.94 | 1,142.76 | -307.52 | -744.85 | 653.49 | 555.87 | -804.59 |
| Metric (₹ crore) | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Total Liabilities and Equity | 7,058.41 | 9,469.97 | 12,338.7 | 17,707.6 | 20,223.7 | 26,086.9 | 27,178.3 | 30,868 |
| Total Assets | 7,058.41 | 9,469.97 | 12,338.7 | 17,707.6 | 20,223.7 | 26,086.9 | 27,178.3 | 30,868 |