ESAF Small Finance Bank Ltd

₹43.12▲ +0.82%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹2,224.78 Cr.

52W High₹45

Current Price₹43.12

52W Low₹19.74

Down from 52W High4.2 %

Face Value₹10

Performance

ROCE41.61 %

ROE-0.29 %

EPS (TTM)₹1.55

EPS Prev Qtr₹0.46

EPS Last Year₹-2.25

EBITDA Qtr₹348.98 Cr.

Book Value₹34

Financial Health

Debt/Equity1.54

Debt/Profit-539.75

Total Assets₹30,867.977 Cr.

Promoter Holding63.25 %

Earning Power3.03 %

Valuation

Industry P/E10.31

Price to Book1.25

Price to Sales0.58

Key Metrics

Branches

804

CASA %

23.9%

__derived

Employees

10,994

Face Value

₹10

Gross NPA %

5.4%

Net NPA %

0.83%

NIM %

7.3%

Provision Coverage %

69%

Total Advances

₹22,426 Cr

Total Deposits

₹25,850 Cr

About ESAF Small Finance Bank Ltd

Financial Services · Banks

ESAF Small Finance Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹2,224.78 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
HDFC Bank Ltd	-	13.99	₹11,07,124.43 Cr	2.16%	₹82,511.72 Cr	-	₹3,51,818.61 Cr	-	25.02%	1
ICICI Bank Ltd	-	16.6	₹9,33,466.75 Cr	0.92%	₹59,489.34 Cr	-	₹1,98,379.35 Cr	-	28.81%	0.61
State Bank of India	-	10.31	₹8,87,893.11 Cr	1.8%	₹88,120.87 Cr	-	₹5,25,747.06 Cr	-	31.79%	1.3
Kotak Mahindra Bank Ltd	-	6.91	₹3,99,857.71 Cr	0.16%	₹20,238.55 Cr	-	₹70,887.47 Cr	-	20.7%	0.53
Axis Bank Ltd	-	13.54	₹3,76,715.23 Cr	0.08%	₹27,890.16 Cr	-	₹1,35,731.89 Cr	-	22.33%	1.31
Union Bank of India	-	6.35	₹1,31,145.34 Cr	2.91%	₹20,012.21 Cr	-	₹1,07,127.36 Cr	-	44.93%	0.58
Punjab National Bank	-	5.87	₹1,29,295.61 Cr	2.67%	₹20,602.7 Cr	-	₹1,31,788.93 Cr	-	45.06%	0.72
Bank of Baroda	-	6.49	₹1,17,855.34 Cr	3.73%	₹17,697.87 Cr	-	₹1,36,546.33 Cr	-	31.19%	1.03
Canara Bank	-	5.52	₹1,09,664.17 Cr	3.47%	₹18,979.1 Cr	-	₹1,27,805.38 Cr	-	42.06%	1.32
Indian Bank	-	8.47	₹1,08,282.43 Cr	2.27%	₹12,541.37 Cr	-	₹69,314.13 Cr	-	45.78%	0.58
IDBI Bank Ltd	-	9.73	₹90,750.27 Cr	-	₹9,318.15 Cr	-	₹29,542.24 Cr	-	28.56%	0.41
Federal Bank Ltd	-	17.05	₹80,026.16 Cr	0.37%	₹4,834.22 Cr	-	₹30,384.84 Cr	-	33.62%	0.86
AU Small Finance Bank Ltd	-	26.11	₹74,747.4 Cr	0.1%	₹2,856.35 Cr	-	₹19,560.64 Cr	-	149.65%	3.56
IndusInd Bank Ltd	-	53.5	₹70,733.57 Cr	0.17%	₹1,322.16 Cr	-	₹45,296.87 Cr	-	26.82%	0.65
IDFC First Bank Ltd	-	31	₹69,426.16 Cr	0.31%	₹2,304.91 Cr	-	₹41,957.76 Cr	-	26.68%	0.77
Yes Bank Ltd	-	17.82	₹66,539.94 Cr	-	₹3,775.15 Cr	-	₹30,658.32 Cr	-	21.74%	1.28
RBL Bank Ltd	-	29.1	₹62,809.51 Cr	0.25%	₹899.06 Cr	-	₹14,735.81 Cr	-	27.86%	1
Bank of Maharashtra	-	8.24	₹62,109.31 Cr	2.72%	₹7,448.08 Cr	-	₹30,262.41 Cr	-	35.86%	1.06
Indian Overseas Bank	-	10.36	₹61,062.65 Cr	-	₹5,757.71 Cr	-	₹33,289.81 Cr	-	29.78%	1.4
Bank of India	-	5.04	₹59,389.55 Cr	3.56%	₹11,463.77 Cr	-	₹77,243.58 Cr	-	31.76%	1.32

Quarterly Results

📊 Jun 2026: Revenue grew 32.5% YoY, Profit grew 198.6% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	828.23	819.82	894.05	995.08	1,097.77
↳ QoQ Growth	-	-1.0%	+9.1%	+11.3%	+10.3%
Expenses	234.12	248.67	243.39	214.2	241.96
Operating Profit	124.92	93.25	252.52	241.29	348.98
OPM %	15.08%	11.37%	28.24%	24.25%	31.79%
Other Income	195.14	145.16	269.39	201.37	248.24
Interest	458.1	448.02	461.72	477.33	513.69
Depreciation	-	-	-	-	-
EBITDA	-	-	-	-	-
EBITDA Margin %	-	-	-	-	-
Profit Before Tax	-109.2	-155.42	9.13	27.09	107.02
Tax %	25.62%	25.49%	22.02%	13.22%	25.17%
Net Profit	-81.22	-115.81	7.12	23.51	80.08
↳ QoQ Growth	-	-42.6%	+106.1%	+230.2%	+240.6%
EPS	-1.57	-2.25	0.14	0.46	1.55

Profit & Loss

	Mar 2026	TTM
Sales	3537.18	3806.72
Expenses	940.38	948.22
Operating Profit	711.98	936.04
OPM %	20.13%	24.59%
Other Income	811.06	864.16
Interest	1845.17	1900.76
Depreciation	-	-
Profit Before Tax	-228.4	-12.18
Tax %	27.15%	58.13%
Net Profit	-166.4	-5.1
EPS	-3.22	-0.1

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

51.51%

Return on Equity

10Y

Last Year

-0.29%

Balance Sheet

	Mar 2025	Mar 2026
Equity Capital	515.43	515.6626
Reserves	1429.58	1270.8743
Borrowings	1405.73	2752.738
Other Liabilities	23827.55	26328.7
Total Liabilities	27178.29	30867.977
Fixed Assets	300.42	226.1551
CWIP	-	289.8275
Investments	5995.26	6399.106
Other Assets	20882.61	23952.89
Total Assets	27178.29	30867.977

Cash Flows

	Mar 2026
Cash from Operating Activity	-1960.2892
Cash from Investing Activity	-191.6722
Cash from Financing Activity	1347.3727
Net Cash Flow	-804.5887

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	2901.2
ROCE %	2.53%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	63.3%	63.3%	63.29%	63.25%
FIIs %	0.16%	0.01%	0.01%	0.32%
DIIs %	5%	4.97%	4.63%	3.8%
Public %	16.72%	17.16%	17.54%	17.91%
No. of Shareholders	1,13,955	1,11,691	1,09,246	1,07,631