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ESAF Small Finance Bank logo

ESAF Small Finance Bank

ESAFSFB NSE
₹41.35 +0.46 (+1.12%)
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹41.35 +14.08 +51.6% 1Y
Start ₹27.27

Key Fundamentals

MicrocapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
−₹0.10
Book Value
₹39.20
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
1.05
ROE
−8.86%
Dividend Yield
1.71%
52W High
₹46.00
52W Low
₹19.78
Day Range
₹40.87 – ₹41.87
Volume
4,69,574
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Small Finance Bank › Other Bank

ESAF Small Finance Bank peer comparison
AU Small Finance Bank
₹904.3521.48₹66,448 Cr3.160.11%14.20%—₹20,661 Cr₹3,154 Cr
Ujjivan Small Finance Bank
₹56.7012.14₹11,244 Cr1.492.64%10.80%—₹7,338 Cr₹907 Cr
Equitas Small Finance Bank
₹55.4512.40₹6,401 Cr0.971.90%1.68%—₹7,106 Cr₹511 Cr
Jana Small Finance Bank
₹405.2511.24₹4,167 Cr0.880.00%7.60%—₹5,637 Cr₹380 Cr
ESAF Small Finance Bank (this company)
₹41.35—₹2,136 Cr1.051.71%−8.86%—₹3,807 Cr−₹5 Cr
Utkarsh Small Finance Bank
₹11.72—₹2,052 Cr0.754.11%−40.00%—₹3,381 Cr−₹945 Cr
Suryoday Small Finance Bank
₹147.308.16₹1,489 Cr0.711.09%7.58%—₹2,287 Cr₹192 Cr
Median 7 companies₹56.7012.14₹4,167 Cr0.971.71%7.58%—₹5,637 Cr₹380 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

37 Weak

Data confidence 93/100

Category scores

Quality
8
Poor
Returns, margins, earnings quality 22% weight
Valuation
41
Weak
Cheap vs sector & own history 24% weight
Growth
40
Weak
Sales & profit trajectory 9% weight
Financial Health
11
Poor
Solvency, leverage, coverage 9% weight
Momentum
94
Strong
Trend strength, vol-adjusted 12% weight
Ownership
45
Weak
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

No strengths listed

Weaknesses

3
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -4.22% over last 3 years.
  • Earnings include an other income of Rs.864 Cr.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBullish577
OscillatorsBearish270
Moving AveragesStrong Bullish307

Key readings

RSI (14)
49.45
Neutral
MACD (12,26,9)
−0.23
Bearish
SMA (50)
41.79
Bearish
SMA (200)
32.81
Bullish

As of

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+16.60%
3Y+7.41%
1Y−8.32%
TTM+3.93%

Net profit

Net profit growth by window
5YTurned to loss
3YTurned to loss
1YLoss narrowed by ₹355 Cr
TTMLoss narrowed by ₹660 Cr

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹29.00 Cr
Mar 2018₹597 Cr
Mar 2019₹1,032 Cr
Mar 2020₹1,413 Cr
Mar 2021₹1,641 Cr
Mar 2022₹1,940 Cr
Mar 2023₹2,854 Cr
Mar 2024₹3,819 Cr
Mar 2025₹3,858 Cr
Mar 2026₹3,537 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹1.00 Cr
Mar 2018₹27.00 Cr
Mar 2019₹90.00 Cr
Mar 2020₹190 Cr
Mar 2021₹105 Cr
Mar 2022₹55.00 Cr
Mar 2023₹302 Cr
Mar 2024₹426 Cr
Mar 2025−₹521 Cr
Mar 2026−₹166 Cr

Quarterly Results

₹ Cr
ESAFSFB quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
899
943
974
1,002
1,022
996
948
893
828
820
894
995
1,098
Expenses
505
487
567
682
619
834
881
820
682
672
693
692
725
Financing Profit
81
109
30
−91
−30
−294
−396
−386
−304
−301
−260
−174
−141
Fin. Margin %
9%
12%
3%
−9%
−3%
−30%
−42%
−43%
−37%
−37%
−29%
−18%
−13%
Other Income
93
79
120
150
115
40
114
145
195
145
269
201
248
Interest
313
347
377
411
434
456
463
458
450
448
462
477
514
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
174
188
150
59
85
−255
−282
−241
−109
−155
9
27
107
Tax %
25%
26%
25%
26%
26%
−25%
−25%
−24%
−26%
−25%
22%
13%
25%
Net Profit
130
140
112
43
63
−190
−211
−183
−81
−116
7
24
80
EPS (₹)
2.89
3.12
2.18
0.84
1.22
−3.69
−4.09
−3.55
−1.58
−2.25
0.14
0.46
1.55
Gross NPA %
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%
Net NPA %
0.81%
1.19%
2.19%
2.26%
3.22%
2.98%
2.97%
2.99%
3.77%
3.83%
2.73%
1.77%
0.83%

Profit & Loss

₹ Cr
ESAFSFB profit and loss, annual, ₹ crore
Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
29
597
1,032
1,413
1,641
1,940
2,854
3,819
3,858
3,537
3,807
Expenses
31
357
538
646
879
1,248
1,676
2,190
3,152
2,674
2,782
Financing Profit
−18
−75
35
146
43
−101
160
180
−1,105
−974
−876
Fin. Margin %
−61%
−13%
3%
10%
3%
−5%
6%
5%
−29%
−28%
−23%
Other Income
19
102
109
133
127
208
288
442
472
811
864
Interest
16
315
458
621
720
793
1,017
1,449
1,811
1,837
1,901
Depreciation
0
0
17
23
29
33
42
51
59
65
0
PBT
1
27
127
256
141
74
406
570
−693
−228
−12
Tax %
0%
0%
29%
26%
25%
26%
26%
25%
−25%
−27%
—
Net Profit
1
27
90
190
105
55
302
426
−521
−166
−5
EPS (₹)
0.03
0.87
2.11
4.45
2.34
1.22
6.73
8.27
−10.12
−3.23
−0.1
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
8%
0%
0%
—

Balance Sheet

₹ Cr
ESAFSFB balance sheet, annual, ₹ crore
Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
1,271
Borrowing
2,053
1,675
1,702
1,203
1,694
2,953
3,354
3,223
1,406
2,753
Deposits
409
2,523
4,317
7,028
8,999
12,815
14,666
19,868
23,276
25,850
Other Liabilities
227
183
145
154
293
528
489
505
547
479
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
226
CWIP
0
0
4
4
6
0
0
3
63
290
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

Cash Flow

₹ Cr
ESAFSFB cash flow, annual, ₹ crore
Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
—
−239
1,089
1,127
−584
−571
1,001
3,176
−1,960
Investing
—
—
−171
−635
−638
−982
−573
−583
−769
−192
Financing
—
—
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
451
−226

Ratios

ESAFSFB financial ratios, annual
Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0%
8%
15%
19%
9%
4%
19%
20%
−23%
−9%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view ESAF Small Finance Bank insights

84 extracted metrics across FY17–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 63.23%
  • Public 17.86%
  • Others 15.14%
  • DIIs 3.58%
  • FIIs 0.18%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about ESAF Small Finance Bank

What does ESAF Small Finance Bank Ltd do?
Incorporated in 1992, ESAF Small Finance Bank provides micro, retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to treasury and permitted foreign exchange business
Where is ESAF Small Finance Bank Ltd (ESAFSFB) listed?
ESAF Small Finance Bank Ltd trades as ESAFSFB on the NSE and under code 544020 on the BSE.
Which sector does ESAF Small Finance Bank Ltd belong to?
ESAF Small Finance Bank Ltd is classified under the Banks sector, in the Small Finance Bank industry.
What is the 52-week high and low of ESAF Small Finance Bank Ltd?
Over the last 52 weeks ESAF Small Finance Bank Ltd has traded between ₹19.78 and ₹46 as of 4 Nov 2026.
Does ESAF Small Finance Bank Ltd pay dividends?
ESAF Small Finance Bank Ltd has a dividend yield of 1.71%.
What is the Return on Equity (ROE) of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd reported a return on equity of -8.86%.

Company Information

Incorporated in 1992, ESAF Small Finance Bank provides micro, retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to treasury and permitted foreign exchange business

Website esafbank.com
CEO Dr. Kadambelil Paul Thomas
Employees 8,336
Listed 10 Nov 2023
Face Value ₹10

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