ESAF Small Finance Bank ESAFSFB NSEFINANCIAL
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
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
No fundamental data available for this stock.
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).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | - | 598.91 Cr | 579.03 Cr | 573.01 Cr | 509.22 Cr | 701.72 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | 471.53 Cr | 548.94 Cr | 448.09 Cr | 415.97 Cr | 449.20 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | 462.87 Cr | 457.65 Cr | 450.36 Cr | 455.76 Cr | 461.72 Cr |
| Pretax Income | - | -282.39 Cr | -240.84 Cr | -109.20 Cr | -155.42 Cr | 9.13 Cr |
| Tax Provision | - | -71.49 Cr | -57.65 Cr | -27.98 Cr | -39.61 Cr | 2.01 Cr |
| Net Income | - | -210.90 Cr | -183.19 Cr | -81.22 Cr | -115.81 Cr | 7.12 Cr |
| Diluted EPS | -3.69 | -4.10 | - | -1.58 | -2.25 | 0.14 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 1,354.72 Cr | 2,055.39 Cr | 2,811.43 Cr | 2,518.52 Cr |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | 862.87 Cr | 1,235.50 Cr | 1,641.42 Cr | 1,963.98 Cr |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 792.79 Cr | 1,017.32 Cr | 1,448.73 Cr | 1,810.69 Cr |
| Pretax Income | 54.73 Cr | 406.04 Cr | 570.42 Cr | -692.97 Cr |
| Tax Provision | - | 103.71 Cr | 144.85 Cr | -171.58 Cr |
| Net Income | 54.73 Cr | 302.33 Cr | 425.57 Cr | -521.39 Cr |
| Diluted EPS | 1.06 | 5.87 | 8.96 | -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 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 17,707.56 Cr | 20,223.68 Cr | 26,086.88 Cr | 27,178.29 Cr |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 1,511.90 Cr | 767.05 Cr | 1,422.92 Cr | 1,979.11 Cr |
| Inventory | - | - | - | - |
| Receivables | 134.58 Cr | 256.80 Cr | 386.17 Cr | 383.21 Cr |
| Total Liabilities | 16,295.96 Cr | 18,508.68 Cr | 23,595.09 Cr | 25,229.24 Cr |
| Current Liabilities | - | - | - | - |
| Long Term Debt | - | - | - | - |
| Total Debt | 2,256.83 Cr | 2,680.20 Cr | 2,572.53 Cr | 1,405.73 Cr |
| Total Equity | 1,411.60 Cr | 1,715.00 Cr | 2,491.79 Cr | 1,949.05 Cr |
| Shares Outstanding | 51.48 Cr | 51.48 Cr | 51.48 Cr | 51.54 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | -584.50 Cr | -570.70 Cr | 1,000.93 Cr | 3,176.32 Cr |
| Investing Cash Flow | -981.85 Cr | -573.22 Cr | -582.54 Cr | -768.83 Cr |
| Financing Cash Flow | 1,258.83 Cr | 399.07 Cr | 235.10 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 Cr | 929.52 Cr | 3,023.64 Cr |
| Net Change in Cash | -307.52 Cr | -744.86 Cr | 653.50 Cr | 555.87 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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