ESAF Small Finance Bank ESAFSFB NSEFINANCIAL
Company Overview
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.
Recent Developments
- Mar 2026 Revenue of ₹2,510.79 Cr (-0.3% YoY); net profit ₹-166.40 Cr.
- Trailing 12 Months Year-on-year growth — revenue -0.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.9%, profit CAGR -51.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.90% |
| 1 Year: | -0.31% |
Compounded Profit Growth
| 5 Years: | -51.68% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +2.37% |
| 6 Months: | +37.44% |
| 3 Months: | +48.00% |
| 1 Month: | +21.86% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)64.71 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -51.7% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ESAFSFB ESAF Small Finance Bank NSEFINANCIAL | 35.46 | -10.98 | ₹1,828.54 Cr | 0.00% | - | -9.31% | 6.90% | -51.68% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 579.13 Cr | 573.01 Cr | 509.22 Cr | 701.72 Cr | 719.12 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 488.47 Cr | 448.09 Cr | 415.97 Cr | 449.20 Cr | 477.83 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 457.64 Cr | 450.36 Cr | 455.76 Cr | 461.72 Cr | 477.33 Cr |
| Pretax Income | -240.84 Cr | -109.20 Cr | -155.42 Cr | 9.13 Cr | 27.09 Cr |
| Tax Provision | -57.65 Cr | -27.98 Cr | -39.61 Cr | 2.01 Cr | 3.58 Cr |
| Net Income | -183.19 Cr | -81.22 Cr | -115.81 Cr | 7.12 Cr | 23.51 Cr |
| Diluted EPS | -3.56 | -1.58 | -2.25 | 0.14 | 0.45 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 2,055.39 Cr | 2,811.43 Cr | 2,518.62 Cr | 2,510.79 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,235.50 Cr | 1,641.42 Cr | 1,903.51 Cr | 1,798.82 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1,017.32 Cr | 1,448.73 Cr | 1,810.68 Cr | 1,837.44 Cr |
| Pretax Income | - | 406.04 Cr | 570.42 Cr | -692.97 Cr | -228.40 Cr |
| Tax Provision | - | 103.71 Cr | 144.85 Cr | -171.58 Cr | -62.00 Cr |
| Net Income | - | 302.33 Cr | 425.57 Cr | -521.39 Cr | -166.40 Cr |
| Diluted EPS | - | 5.87 | 8.96 | -10.13 | -3.23 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 20,223.68 Cr | 26,086.88 Cr | 27,178.29 Cr | 30,867.98 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 767.05 Cr | 1,422.92 Cr | 1,979.11 Cr | 1,174.53 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 134.58 Cr | 256.80 Cr | 386.17 Cr | 383.21 Cr | - |
| Total Liabilities | - | 18,508.68 Cr | 23,595.09 Cr | 25,229.24 Cr | 29,081.45 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,680.20 Cr | 2,572.53 Cr | 1,405.73 Cr | 2,752.74 Cr |
| Total Equity | - | 1,715.00 Cr | 2,491.79 Cr | 1,949.05 Cr | 1,786.53 Cr |
| Shares Outstanding | - | 51.48 Cr | 51.48 Cr | 51.54 Cr | 51.57 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | -570.70 Cr | 1,000.93 Cr | 3,176.32 Cr | -1,960.29 Cr |
| Investing Cash Flow | -573.22 Cr | -582.54 Cr | -768.82 Cr | -191.67 Cr |
| Financing Cash Flow | 399.07 Cr | 235.10 Cr | -1,851.62 Cr | 1,347.37 Cr |
| Capital Expenditure | -71.65 Cr | -71.41 Cr | -152.68 Cr | -283.18 Cr |
| Free Cash Flow | -642.36 Cr | 929.52 Cr | 3,023.64 Cr | -2,243.47 Cr |
| Net Change in Cash | -744.86 Cr | 653.50 Cr | 555.88 Cr | -804.59 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 14.7% | 15.1% | -20.7% | -6.6% |
| ROE % | - | 17.6% | 17.1% | -26.8% | -9.3% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ESAFSFB
ESAF Small Finance Bank Posts Strong Q1 Growth in Deposits and Advances - The Globe and Mail
<a href="https://news.google.com/rss/articles/CBMi5wFBVV95cUxNcnhfeDMyRWVvQ2VNOVRNcVFzcnRkRVpvYnBBdjJyU2xYdUtOVHdLQW9XekxtSmFqTFV1RkdudHRQM1E5ZUhEZ2hRS05hUG5KZXQ3TXJCaUcxMzJybDhmNDVja283ZFZ0b0xDM1dpSWs4bjQwTktkcE5Ka0JQWGFyaGpLODhwanZDcC1uaU…
ESAF Small Finance Bank's (NSE:ESAFSFB) largest shareholders are private companies who were rewarded as market cap surged ₹1.7b last week - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcHROeDFGLTE5LV9yTy1RMWdFN21FZGZQYVJETkV1ZXV4eTIzWDZHdHVYbDRweU92aUxtTnBHTFFQdHdaTXJjRnduVWJ2NmRha0x3cjZTc3QxRVBFWHY4VlFHM1pBX0JwbjV6NVRCRXBwSHNjOWttUUZnYjdWSHRvQ2VrNmMtN0g2Z2dnUW…
ESAF SFB ESOP Share Allotment; Shares Rise 1.25% - HDFC Sky
<a href="https://news.google.com/rss/articles/CBMihgFBVV95cUxNVzRPRjRRVEZMT09zRXNnTXdLaG4xYU53ZkhINVpaTjU1ZFRwNHRFZ0RJUTRlbzNvb0FkTk9La2J3MFRKOFljcXdiRmtzX00yZ3BTX1laRV9SYy1QR1NxT2pwQlBwS1JNaVFuOU9jYlBHeUNzeWExcHhuMGx0OXNrUVM2dVFXdw?oc=5" t…
ESAFSFB Stock Price and Chart — NSE:ESAFSFB - TradingView
<a href="https://news.google.com/rss/articles/CBMiXEFVX3lxTFBwb3ZCb1NDOElVamtwRGhDWlNlcHgzZS1mN1Q4VEJEb29EclNFNDRZMmlhbkM4QXdsTFE2clRpcHFqa0lvUS1ubzNYQWtINHpIRU91RExVVGN6U096?oc=5" target="_blank">ESAFSFB Stock Price and Chart — NSE:ESAFSFB…
ESAF SFB plans Rs 300-500 crore capital infusion - The Economic Times
<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxNNnVvZm1OQWFEdl9vdTlSZGxfdFFhSDhNbjZmSnp2anIxalVyWmpPWUhzZml1MTg3UnlNd2V3NTRLc0gzeGZWN1k0bVA3T3B0YW1jXzZpTzlmVmY3bEo1cDRzQk1INjVDZTM2QmZGNm5FMXRLSExDY2xfelVxeUtYMTZpRHlaMXhCMDJoS1…
ESAF Small Finance Bank First Quarter 2026 Earnings: ₹1.58 loss per share (vs ₹1.22 profit in 1Q 2025) - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxObnNOTUdTR2ZoVGMxQmp4MVFnZXVLaDRSU3VEQnBzb3ZhcFp6MkxkTlJlQkk3Z1dPb3pFcFdQNzhjdmNuYWNsdnpwdkxNUWE2SElwSV95eUgxYnFyaS0wRlZYSDdocnFLY3BIbTNaOENjd0RLZ252SGI4eWU5TEdaZVlMVHhMam1TR011R3…
ESAFSFB — Frequently Asked Questions
What is the current share price of ESAF Small Finance Bank (ESAFSFB)?
As of 2026-07-15 09:52 IST, ESAF Small Finance Bank (ESAFSFB) trades at ₹35.46 on NSE. Its 52-week range is ₹19.86 to ₹36.33.
What is the market capitalisation of ESAFSFB?
ESAF Small Finance Bank (ESAFSFB) has a market capitalisation of ₹1,828.54 Cr on NSE.
What is the P/E ratio of ESAFSFB?
ESAFSFB trades at a trailing price-to-earnings (P/E) ratio of -10.98. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.01.
What is the return on equity (ROE) of ESAFSFB?
ESAFSFB has a return on equity (ROE) of -9.31%.
Is ESAFSFB a good stock to buy?
This page provides a data-driven analysis of ESAF Small Finance Bank (ESAFSFB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.