ESAF Small Finance Bank
ESAFSFB NSE
ESAF Small Finance Bank
BanksNSE: ESAFSFB BSE: 544020 Small Finance Bank
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹2,024 Cr
Volatility
Moderate
P/E Ratio
-400.7
EBITDA
₹-163 Cr
Return on Equity
-9.31%
Debt to Equity
0
Book Value
₹34.62
52W High
₹44.99
52W Low
₹19.78
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 1.14 times its book value
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.
Growth Rate
Revenue Growth
0.44% lower than
3Y
Net Income Growth
-68.09% higher than
3Y
Cash Flow Change
-162% higher than
3Y
ROE
-65.2% lower than
3Y
ROCE
26.76% higher than
3Y
EBITDA Margin (Avg.)
41.63% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 948 | 892 | 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 in Rs | 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
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 in Rs | 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
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% | -9% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view ESAF Small Finance Bank insights
65 extracted metrics + investor summaries across FY17–FY27.
Documents
2
Audited Standalone Financial Results For The Quarter And Financial Year Ended March 31 2026. 30 Apr 2026
3
Unaudited Standalone Financial Results For The Quarter And Nine Months Ended December 31 2025. 30 Jan 2026
1
Clarification sought from ESAF Small Finance Bank Ltd
17 Jun - Exchange has sought clarification from ESAF Small Finance Bank Ltd on June 17, 2026, with reference to Movement in Volume. 17 Jun - Exchange has sought clarification from ESAF Small Finance Bank Ltd on June 17, 2026, with reference to Movement in Volume.
2
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
8 May - Transcript of the Earnings Conference Call held on May 4, 2026. 8 May - Transcript of the Earnings Conference Call held on May 4, 2026.
3
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
4 May - Audio recording of FY26 earnings conference call uploaded on May 4, 2026. 4 May - Audio recording of FY26 earnings conference call uploaded on May 4, 2026.
4
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
4 May - Audio recording of FY26 earnings conference call uploaded on May 4, 2026. 4 May - Audio recording of FY26 earnings conference call uploaded on May 4, 2026.
5
Announcement under Regulation 30 (LODR)-Investor Presentation
1 May - Investor Presentation on the Audited Standalone Financial Results of the Bank for the Quarter and Financial Year ended March 31, 2026 1 May - Investor Presentation on the Audited Standalone Financial Results of the Bank for the Quarter and Financial Year ended March 31, 2026
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[1]
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 market capitalisation of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd has a market capitalisation of ₹2,024 Cr, which places it in the Small Cap band.
What is the PE ratio of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd trades at a PE ratio of -400.70, against a book value of ₹34.62 per share.
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 ₹44.99.
Does ESAF Small Finance Bank Ltd pay dividends?
ESAF Small Finance Bank Ltd has a dividend yield of 1.73%.
What is the Return on Equity (ROE) of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd reported a return on equity of -9.31%. Its debt-to-equity ratio is 0.00.
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[1]
Website esafbank.com
CEO Dr. Kadambelil Paul Thomas
Employees 8,336
Listed 2023-11-10
Face Value ₹ 10
Issued Size 51,55,72,741
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