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ESAF Small Finance Bank ESAFSFB NSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.esaf.bank.in

ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company offers savings, current, and NRI accounts; foreign currency non-resident deposit accounts; fixed, recurring, social, and term deposits; personal net, mobile, SMS, missed call, and USSD banking services; and debit and credit cards. It also provides working capital/term, farmer interest group, used and new car, two- and three-wheeler, light commercial vehicle, school, personal, agri gold, lease rental discounting, dream education, gold, dairy development, MSME, dream home, clean energy, business, micro housing, income generation, general, microfinance, QR, micro enterprise, and other loans; as well as ESAF FPO finance; trade receivables e-discounting system; salary overdrafts; and loans against property. In addition, the company offers micro-banking services; unified payment interface services; investment products, including national pension systems; third party financial product distribution, such as life, general, and health insurance, as well as 3-in-1 accounts; treasury services; foreign exchange services comprising purchase and sale of currencies, outward and inward remittances, money transfer service schemes, multicurrency forex card, and non-resident repatriation; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited.

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₹28.61
-7.41% 1Y

Market & Price

Market Cap
₹1,476.14 Cr
Current Price
₹28.61
High / Low (52W)
₹35.49 / ₹19.86
Beta
1.35

Valuation

Stock P/E
-
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹34.07
Price to Book
0.84
P/S
0.94
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
-8.91%
ROA
-0.57%
Profit Margin
-10.60%
Op Margin
5.37%
EPS (Latest Qtr)
₹0.14
EPS (TTM)
₹-7.24

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹2,752.74 Cr
Total Assets
₹27,178.29 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
73.94%
Chg in Prom Hold
-0.04%
FII / Inst Holding
3.61%
Chg in FII Hold
-0.34%

Financial Snapshot

Enterprise Value
₹3,101.25 Cr
Total Revenue (TTM)
₹1,570.42 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-4,534.01 Cr
Shares Outstanding
₹51.60 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
22.96%
Profit 5Y
-350.87%
Revenue (YoY)
103.90%
Earnings (YoY)
-

PROS

  • Compounding revenue at 23.0% over 5 years.

CONS

  • Earnings shrank at -350.9% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ESAFSFB ESAF Small Finance Bank NSEFINANCIAL 28.61 - ₹1,476.14 Cr - - -8.91% 22.96% -350.87%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue -598.91 Cr579.03 Cr573.01 Cr509.22 Cr701.72 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses -471.53 Cr548.94 Cr448.09 Cr415.97 Cr449.20 Cr
Operating Income ------
EBITDA ------
Interest Expense -462.87 Cr457.65 Cr450.36 Cr455.76 Cr461.72 Cr
Pretax Income --282.39 Cr-240.84 Cr-109.20 Cr-155.42 Cr9.13 Cr
Tax Provision --71.49 Cr-57.65 Cr-27.98 Cr-39.61 Cr2.01 Cr
Net Income --210.90 Cr-183.19 Cr-81.22 Cr-115.81 Cr7.12 Cr
Diluted EPS -3.69-4.10--1.58-2.250.14

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Revenue 1,354.72 Cr2,055.39 Cr2,811.43 Cr2,518.52 Cr
Cost of Revenue ----
Gross Profit ----
Operating Expenses 862.87 Cr1,235.50 Cr1,641.42 Cr1,963.98 Cr
Operating Income ----
EBITDA ----
Interest Expense 792.79 Cr1,017.32 Cr1,448.73 Cr1,810.69 Cr
Pretax Income 54.73 Cr406.04 Cr570.42 Cr-692.97 Cr
Tax Provision -103.71 Cr144.85 Cr-171.58 Cr
Net Income 54.73 Cr302.33 Cr425.57 Cr-521.39 Cr
Diluted EPS 1.065.878.96-10.13

Compounded Sales Growth

5 Years:22.96%
1 Year:103.90%

Compounded Profit Growth

5 Years:-350.87%
1 Year:-

Stock Price Performance

1 Year:-7.41%
6 Months:+8.21%
3 Months:+6.44%
1 Month:+8.37%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Total Assets 17,707.56 Cr20,223.68 Cr26,086.88 Cr27,178.29 Cr
Current Assets ----
Cash & Equivalents 1,511.90 Cr767.05 Cr1,422.92 Cr1,979.11 Cr
Inventory ----
Receivables 134.58 Cr256.80 Cr386.17 Cr383.21 Cr
Total Liabilities 16,295.96 Cr18,508.68 Cr23,595.09 Cr25,229.24 Cr
Current Liabilities ----
Long Term Debt ----
Total Debt 2,256.83 Cr2,680.20 Cr2,572.53 Cr1,405.73 Cr
Total Equity 1,411.60 Cr1,715.00 Cr2,491.79 Cr1,949.05 Cr
Shares Outstanding 51.48 Cr51.48 Cr51.48 Cr51.54 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Operating Cash Flow -584.50 Cr-570.70 Cr1,000.93 Cr3,176.32 Cr
Investing Cash Flow -981.85 Cr-573.22 Cr-582.54 Cr-768.83 Cr
Financing Cash Flow 1,258.83 Cr399.07 Cr235.10 Cr-1,851.62 Cr
Capital Expenditure -54.01 Cr-71.65 Cr-71.41 Cr-152.68 Cr
Free Cash Flow -638.52 Cr-642.36 Cr929.52 Cr3,023.64 Cr
Net Change in Cash -307.52 Cr-744.86 Cr653.50 Cr555.87 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Gross Margin % ----
Operating Margin % ----
Net Margin % 4.0%14.7%15.1%-20.7%
ROE % 3.9%17.6%17.1%-26.8%
ROCE % ----

Shareholding Pattern

Insiders
73.94%
Institutions
3.61%
Public Float
13.86%

Analyst View

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