ESAF Small Finance Bank ESAFSFB NSEFINANCIAL
Company Overview
ESAF Small Finance Bank provides banking products and services to rural and semi-urban markets in India. The company operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. It offers savings and current accounts; fixed, recurring, green, and FCNR deposits; debit and credit cards; and home, gold, vehicle, MSME, Agri, clean energy, QR, and micro finance and micro loans, as well as loan against property, and financial institution lending. The company also provides payment products, such as Bharat bill payment system and BHIM unified payment interface; and investment products, including life insurance, health insurance, general insurance, demat, mutual funds, National Pension System, Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and Pradhan Mantri Suraksha Bima Yojana. In addition, it offers digital products comprising internet banking, mobile banking, and WhatsApp banking; Forex and remittance consisting of inward and outward remittance, MTSS, foreign currency sale and purchase, and Forex cards; and safe deposit lockers. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank operates as a subsidiary of ESAF Financial Holdings Private Limited.
Why Investors Should Care
Operating margin of 18.1% supports profitability.
Recent Developments
- Mar 2026 Revenue of ₹2,511.65 Cr (-0.3% YoY); net profit ₹-166.40 Cr.
- Trailing 12 Months Year-on-year growth — revenue +74.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.9%, profit CAGR -51.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.91% |
| 1 Year: | 74.20% |
Compounded Profit Growth
| 5 Years: | -51.68% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +39.19% |
| 6 Months: | +78.59% |
| 3 Months: | +16.77% |
| 1 Month: | +6.40% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)46.81 · 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 | 41.70 | -379.09 | ₹2,152.22 Cr | 0.00% | - | -9.31% | 6.91% | -51.68% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 706.95 | 15.45 | ₹10.90 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,385.00 | 17.90 | ₹9.94 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 963.00 | 10.32 | ₹8.89 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 926.00 | 28.43 | ₹5.77 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.80 | 21.46 | ₹4.36 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,210.00 | 13.61 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,690.00 | 26.83 | ₹2.70 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 392.05 | 8.26 | ₹2.48 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
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 | 2,518.52 Cr | 2,511.65 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,235.50 Cr | 1,641.42 Cr | 1,961.51 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 | -521.39 Cr | -166.40 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 | 1,174.52 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 256.80 Cr | 386.17 Cr | 383.21 Cr | 513.64 Cr |
| Total Liabilities | - | 18,508.68 Cr | 23,595.09 Cr | 25,229.24 Cr | 29,081.44 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,680.20 Cr | 2,572.53 Cr | 1,405.73 Cr | 2,252.74 Cr |
| Total Equity | - | 1,715.00 Cr | 2,491.79 Cr | 1,949.05 Cr | 1,786.54 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 | -768.83 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 | 555.87 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 Ltd Dividend History, Yield & Record Date - INDmoney
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ESAF Small Finance Bank Back in Black, Posts Rs 80 Cr Profit in Q1 - HDFC Sky
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ESAF Small Finance Bank (ESAFSFB.NS) Stock Price, News, Quote & History - Yahoo! Finance Canada
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ESAF Small Finance Bank's (NSE:ESAFSFB) largest shareholders are private companies who were rewarded as market cap surged ₹1.7b last week - Simply Wall Street
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ESAFSFB — Frequently Asked Questions
What is the current share price of ESAF Small Finance Bank (ESAFSFB)?
As of 2026-10-23 04:58 IST, ESAF Small Finance Bank (ESAFSFB) trades at ₹41.70 on NSE. Its 52-week range is ₹19.86 to ₹44.71.
What is the market capitalisation of ESAFSFB?
ESAF Small Finance Bank (ESAFSFB) has a market capitalisation of ₹2,152.22 Cr on NSE.
What is the P/E ratio of ESAFSFB?
ESAFSFB trades at a trailing price-to-earnings (P/E) ratio of -379.09. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.19.
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.