How has been the historical performance of ESAF Small Fin?

Answer:The historical performance of ESAF Small Fin shows significant growth in interest earned and total income, but recent challenges have led to a net loss in the latest fiscal year.

Breakdown:
Over the years, ESAF Small Fin has demonstrated a robust increase in interest earned, rising from 596.84 Cr in Mar'18 to 3,862.22 Cr in Mar'25. This growth is reflected in total income, which increased from 698.70 Cr in Mar'18 to 4,329.31 Cr in Mar'25. However, despite this impressive revenue growth, the company faced a downturn in profitability, reporting a profit before tax of -692.97 Cr in Mar'25, a stark contrast to the profit of 570.41 Cr in Mar'24. Consequently, the profit after tax also turned negative at -521.39 Cr in Mar'25, following a profit of 425.57 Cr in the previous year. The company's net profit similarly declined from 425.57 Cr in Mar'24 to -463.39 Cr in Mar'25. On the balance sheet, total liabilities increased significantly from 20,223.68 Cr in Mar'23 to 26,086.88 Cr in Mar'24, while total assets also rose to 26,086.87 Cr in Mar'24. Cash flow showed a positive net increase of 653.00 Cr in Mar'24, recovering from a decrease of 744.00 Cr in Mar'23. Overall, while ESAF Small Fin has expanded its revenue base, it has encountered substantial challenges that have adversely affected its profitability in the latest fiscal year.