ESAF Small Finance Bank Q1 Results FY27: PAT at Rs 80 Cr for June 2026 Quarter

The ESAF Small Finance Bank Q1 results FY27 show standalone revenue of Rs 1,097 Cr for the quarter ended 30 June 2026, +32.54% from Rs 828 Cr in Q1 FY26, as ESAF Small Finance Bank reported its numbers on 31 July 2026.

ESAF Small Finance Bank posted a net profit (PAT) of Rs 80 Cr for the quarter, against a net loss of Rs 81 Cr a year earlier. Shares traded around Rs 41 on the NSE, down 2.50% on the day, as investors weighed the print against trends in the financial services sector. Here is a full breakdown of the financial highlights, key business factors, dividend status, outlook and risks.

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ESAF Small Finance Bank Q1 Results FY27 Financial Highlights

The table below summarises ESAF Small Finance Bank's standalone numbers for the quarter against the year ago period.

Metric	Q1 FY27 (Jun 2026)	Q1 FY26 (Jun 2025)	YoY Change
Revenue	Rs 1,097 Cr	Rs 828 Cr	+32.54%
Gross Profit	Rs 348 Cr	Rs 124 Cr	+179.36%
Gross Profit Margin	31.7%	15.0%	+16.7 pts
Net Profit (PAT)	Rs 80 Cr	(Rs 81 Cr)	+198.60%
Net Profit Margin	7.3%	-9.8%	+17.1 pts

ESAF Small Finance Bank Q1 FY27 Performance Analysis

Topline momentum stands out this quarter. Revenue advanced +32.54% year on year to Rs 1,097 Cr, compared with Rs 828 Cr a year earlier, pointing to steady demand.

Profitability improved alongside the topline. Gross profit grew +179.36% year on year to Rs 348 Cr (31.7% margin), outpacing revenue growth and pointing to better cost control or a richer product mix during the quarter.

The standout feature of the release is the swing back to profit. ESAF Small Finance Bank posted a net profit of Rs 80 Cr against a net loss of Rs 81 Cr in Q1 FY26, a turnaround that will draw investor attention.

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ESAF Small Finance Bank Q1 FY27: Key Business Factors

1. Revenue Growth Trajectory

ESAF Small Finance Bank reported revenue of Rs 1,097 Cr for the June 2026 quarter against Rs 828 Cr in the year ago period, a change of +32.54%. This pace of change is a primary swing factor behind the quarter's numbers, and investors typically track whether it holds up in the following quarters.

2. Gross Margin and Cost Trends

Gross profit moved from Rs 124 Cr in Q1 FY26 to Rs 348 Cr in Q1 FY27, a change of +179.36%. In the financial services sector, this line is sensitive to asset quality, credit costs and the interest rate cycle, and this quarter's numbers reflect how ESAF Small Finance Bank managed that balance.

3. Bottom Line and Earnings Quality

ESAF Small Finance Bank swung from a net loss of Rs 81 Cr in Q1 FY26 to a net profit of Rs 80 Cr this quarter. This turnaround is the single most important line in the release for investors screening the numbers.

Dividend Details

Specific dividend information was not confirmed as part of this results snapshot. Investors should check the official exchange filing on the NSE or BSE website, or track the Univest Screener, for the latest dividend announcement, record date and payment date from ESAF Small Finance Bank.

ESAF Small Finance Bank Outlook for FY27

This quarter sets the tone for the rest of FY27. If the growth in revenue and turnaround to profit in net profit persist, analysts are likely to revisit their FY27 estimates for ESAF Small Finance Bank. Investors should also watch input costs and demand trends in the financial services sector through the year.

ESAF Small Finance Bank Stock Performance After the Results

ESAF Small Finance Bank shares traded around Rs 41 on the NSE, down 2.50% around the time the results were in focus. The 52 week trading range was not confirmed as part of this snapshot; investors can check the live 52 week high and low, along with technical levels, on the Univest Screener before making any trading decision.

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Key Risks

Investors reading through ESAF Small Finance Bank's numbers should also weigh the following risks.

1. Margin and Input Cost Risk

Being in the financial services sector, ESAF Small Finance Bank remains exposed to asset quality, credit costs and the interest rate cycle. A reversal in the trend seen this quarter could pressure margins in coming quarters.

2. Execution and Working Capital Risk

Execution risk around working capital, receivables and order timelines can cause quarter to quarter volatility in reported numbers, so this quarter's trends should be read over a few quarters rather than in isolation.

3. Macro and Sector Risk

Broader macro factors including interest rates, currency movements and demand cycles in the financial services sector could influence how sustainable this quarter's trends prove to be over FY27.

Conclusion

The ESAF Small Finance Bank Q1 results FY27 show revenue of Rs 1,097 Cr and Rs 80 Cr for the quarter, against Rs 828 Cr and a net loss of Rs 81 Cr in Q1 FY26. Revenue growth and a swing back to profitability were the two moving parts this quarter. Investors tracking ESAF Small Finance Bank should watch the next few quarters for confirmation of this trend and consult a SEBI-registered advisor before making investment decisions based on these numbers.

Frequently Asked Questions on ESAF Small Finance Bank Q1 Results FY27

When were the ESAF Small Finance Bank Q1 results FY27 announced?

Ans. They reflect the quarter ended 30 June 2026, with the data reported as of 31 July 2026. Investors should confirm the exact board meeting date from the official NSE or BSE filing.

What is the PAT in ESAF Small Finance Bank's Q1 FY27 results?

Ans. The PAT stood at Rs 80 Cr, compared with a net loss of Rs 81 Cr in Q1 FY26, a change of +198.60%.

What was the revenue in ESAF Small Finance Bank's Q1 FY27 results?

Ans. Revenue came in at Rs 1,097 Cr for the quarter, a change of +32.54%, compared with Rs 828 Cr in Q1 FY26.

Did ESAF Small Finance Bank declare a dividend with the Q1 FY27 results?

Ans. Dividend details were not confirmed as part of this results snapshot. Check the latest exchange filing on NSE or BSE, or the Univest Screener, for confirmation.

What is the outlook for ESAF Small Finance Bank after Q1 FY27?

Ans. Analysts will track whether the growth in revenue and turnaround to profit in profit continue into the September 2026 quarter, along with input cost and demand trends in the financial services sector.

How did the stock react to ESAF Small Finance Bank's Q1 FY27 results?

Ans. Shares traded around Rs 41 on the NSE, down 2.50% as the numbers came into focus.

Is ESAF Small Finance Bank a good buy after the Q1 FY27 results?

Ans. The quarter shows a net profit of Rs 80 Cr on revenue of Rs 1,097 Cr. This article is for educational purposes only and is not investment advice. Consult a SEBI-registered advisor before making any investment decision.