Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of ESAF Small Fin
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 774 | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 948 | 892 | 828 | 820 | 894 | 995 |
| Interest | 275 | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 448 | 462 | 477 |
| Expenses + | 457 | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 | 672 | 693 | 692 |
| Financing Profit | 42 | 81 | 109 | 30 | -91 | -30 | -294 | -396 | -386 | -304 | -301 | -260 | -174 |
| Financing Margin % | 5% | 9% | 12% | 3% | -9% | -3% | -30% | -42% | -43% | -37% | -37% | -29% | -18% |
| Other Income + | 94 | 93 | 79 | 120 | 150 | 115 | 40 | 114 | 145 | 195 | 145 | 269 | 201 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 136 | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 | 9 | 27 |
| Tax % | 26% | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% | -25% | 22% | 13% |
| Net Profit + | 101 | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 | 7 | 24 |
| EPS in Rs | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 | 0.14 | 0.46 |
| Gross NPA % | 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% |
| Net NPA % | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% | 2.73% | 1.77% |
Financials of ESAF Small Fin
Annual income statement trend
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,537 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,837 |
| Expenses + | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 2,739 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,039 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -29% |
| Other Income + | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 811 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -228 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | -27% |
| Net Profit + | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -166 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -3.23 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% | 0% |
Financials of ESAF Small Fin
Capital structure and asset base
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 | 516 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,264 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 25,850 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,753 |
| Other Liabilities + | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 485 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
| Fixed Assets + | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 516 |
| CWIP | 0 | 0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 | 0 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,399 |
| Other Assets + | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 23,953 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
Financials of ESAF Small Fin
Operating, investing and financing cash movement
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -239 | 1,089 | 1,127 | -584 | -571 | 1,001 | 3,176 | -1,960 | ||
| Cash from Investing Activity + | -171 | -635 | -638 | -982 | -573 | -583 | -769 | -192 | ||
| Cash from Financing Activity + | 488 | -499 | 653 | 1,259 | 399 | 235 | -1,852 | 1,347 | ||
| Net Cash Flow | 78 | -45 | 1,143 | -308 | -745 | 654 | 556 | -805 | ||
| Free Cash Flow | -277 | 1,036 | 1,078 | -638 | -641 | 930 | 3,024 | -2,242 | ||
| CFO/OP | -40% | 152% | 162% | -82% | -43% | 71% | 448% | -244% |
Financials of ESAF Small Fin
Working capital efficiency and return ratios
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% | -9% |
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