ESAFSFB

ESAF Small Finance Bank Limited

Small finance bank offering microfinance, branch banking and agri lending services

Financial Services›Financial Services›Banks›Other Bank

esaf.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹44.28
Market cap
2,288 Cr
Stock P/E
Loss (TTM EPS ₹-0.10)
P/B
1.28
Dividend yield
1.6%
ROE (FY26)
-9.3%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

ESAF Small Finance Bank is a listed small finance bank that takes retail deposits and lends to individuals, self-help groups and small entrepreneurs, mostly in rural and semi-urban areas.

Company snapshot

6thBy market cap

Ranked among 9 companies in Other Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 81.6% of revenue

SegmentRevenue shareRevenuePBTAssets
Capital & Reserves—0 Cr0 Cr0 Cr
NA—0 Cr0 Cr0 Cr
Other Banking Operations
2.8%
29 Cr27 Cr0 Cr
Retail
81.6%
866 Cr-323 Cr17,000 Cr
Treasury
12.0%
127 Cr6 Cr8,118 Cr
Unallocated—0 Cr0 Cr423 Cr
Wholesale
3.6%
39 Cr8 Cr1,207 Cr

What we see

Concerns
  • ✗Net margin is negative — the company is spending more than it earns right now.
1 more signal from the filings.Sign in free to see them all

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income1,182 Cr597 Cr591 Cr588 Cr540 Cr487 Cr436 Cr378 Cr364 Cr432 Cr719 Cr584 Cr
Other income172 Cr120 Cr150 Cr115 Cr97 Cr112 Cr143 Cr195 Cr145 Cr269 Cr0 Cr248 Cr
Net operating income1,354 Cr717 Cr741 Cr704 Cr637 Cr599 Cr579 Cr573 Cr509 Cr702 Cr719 Cr832 Cr
Employee cost169 Cr89 Cr105 Cr103 Cr193 Cr179 Cr185 Cr190 Cr158 Cr171 Cr173 Cr180 Cr
Other expenses595 Cr340 Cr351 Cr346 Cr301 Cr293 Cr304 Cr258 Cr258 Cr279 Cr304 Cr304 Cr
Provisions & contingencies228 Cr138 Cr226 Cr169 Cr340 Cr410 Cr332 Cr234 Cr249 Cr243 Cr214 Cr242 Cr
Depreciation————————————
Profit before tax362 Cr150 Cr59 Cr85 Cr-255 Cr-282 Cr-241 Cr-109 Cr-155 Cr9 Cr27 Cr107 Cr
Tax %25.4%25.2%25.9%26.1%25.4%25.3%23.9%25.6%25.5%22.0%13.2%25.2%
Net profit270 Cr112 Cr43 Cr63 Cr-190 Cr-211 Cr-183 Cr-81 Cr-116 Cr7 Cr24 Cr80 Cr
EPS (₹)₹6.01₹2.43₹0.91₹1.22₹-3.69₹-4.10₹-3.56₹-1.58₹-2.25₹0.14₹0.46₹1.55

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income922 Cr1,147 Cr1,836 Cr2,370 Cr2,052 Cr2,511 CrSign in free for the trailing twelve months
Other income127 Cr208 Cr288 Cr442 Cr467 Cr0 CrSign in free for the trailing twelve months
Net operating income1,049 Cr1,355 Cr2,124 Cr2,812 Cr2,519 Cr2,511 CrSign in free for the trailing twelve months
Employee cost———363 Cr660 Cr692 CrSign in free for the trailing twelve months
Other expenses———1,286 Cr1,243 Cr1,107 CrSign in free for the trailing twelve months
Provisions & contingencies———592 Cr1,250 Cr940 CrSign in free for the trailing twelve months
Depreciation——————Sign in free for the trailing twelve months
Profit before tax———570 Cr-693 Cr-228 CrSign in free for the trailing twelve months
Tax %———25.4%24.8%27.1%Sign in free for the trailing twelve months
Net profit105 Cr55 Cr302 Cr426 Cr-521 Cr-166 CrSign in free for the trailing twelve months
EPS (₹)₹2.46₹1.22₹6.73₹8.96₹-10.13₹-3.23Sign in free for the trailing twelve months
Dividend payout %———0.0%——Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital449 Cr449 Cr449 Cr515 Cr515 Cr516 Cr
Reserves903 Cr962 Cr1,266 Cr1,260 Cr1,430 Cr1,264 Cr
Borrowings1,694 Cr2,953 Cr3,354 Cr3,223 Cr1,406 Cr2,753 Cr
Other liabilities9,293 Cr13,343 Cr15,154 Cr21,090 Cr23,828 Cr26,335 Cr
Total liabilities12,339 Cr17,708 Cr20,224 Cr26,087 Cr27,178 Cr30,868 Cr
Fixed assets (net)139 Cr159 Cr188 Cr208 Cr300 Cr516 Cr
CWIP——————
Investments1,932 Cr4,070 Cr4,889 Cr5,541 Cr5,995 Cr6,399 Cr
Loans & advances8,168 Cr11,637 Cr13,924 Cr18,293 Cr18,028 Cr21,594 Cr
Cash & bank1,618 Cr1,301 Cr740 Cr1,365 Cr1,351 Cr1,114 Cr
Other assets482 Cr540 Cr483 Cr681 Cr1,503 Cr1,245 Cr
Total assets12,339 Cr17,708 Cr20,224 Cr26,087 Cr27,178 Cr30,868 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity1,127 Cr-585 Cr-573 Cr1,001 Cr3,176 Cr-1,960 Cr
Cash from investing-638 Cr-982 Cr-573 Cr-583 Cr-769 Cr-192 Cr
Cash from financing653 Cr1,259 Cr401 Cr235 Cr-1,852 Cr1,347 Cr
Net cash flow1,143 Cr-308 Cr-745 Cr653 Cr556 Cr-805 Cr
Free cash flow (OCF − Capex)1,078 Cr-638 Cr-644 Cr930 Cr3,024 Cr-2,243 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7.8%3.9%17.6%24.0%-26.8%-9.3%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA———893 Cr1,291 Cr1,214 Cr
Gross NPA %———4.8%6.9%5.4%
Net NPA———414 Cr540 Cr382 Cr
Net NPA %———2.3%3.0%1.8%
CET1 %———19.3%17.1%14.2%
Additional Tier 1 %———0.4%0.5%0.4%
ROA %———1.9%-1.9%-0.6%