ESAF Small Finance Bank, 544020, ESAFSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,191.53
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,830.56
N/A
1.18

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

51.21
50.70
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

PAT CAGR (%)

10 Years
5 Years
3 Years

0.95
0.95

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

-
-
0.95

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
5.78

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 1,097.77 828.23 32.54% 995.08 892.06 11.55% 894.05 947.85 -5.68% 819.82 995.28 -17.63%
Interest Exp. 513.69 450.36 14.06% 477.33 457.64 4.30% 461.72 462.87 -0.25% 455.76 456.06 -0.07%
Net Interest Income 584.08 377.87 54.57% 517.75 434.42 19.18% 432.33 484.98 -10.86% 364.06 539.22 -32.48%
NIM 7.90 6.00 31.67% 6.40 8.10 -20.99% 6.10 8.60 -29.07% 5.90 9.10 -35.16%
Other Income 248.24 195.14 27.21% 201.37 144.71 39.15% 269.39 113.93 136.45% 145.16 97.73 48.53%
Total Income 1,346.01 1,023.37 31.53% 1,196.45 1,036.77 15.40% 1,163.44 1,061.78 9.57% 964.98 1,093.01 -11.71%
Operating Exp. 483.34 448.09 7.87% 477.83 488.47 -2.18% 449.20 471.53 -4.74% 415.97 493.92 -15.78%
Operating Profit 348.98 124.92 179.36% 241.29 90.66 166.15% 252.52 127.38 98.24% 93.25 143.03 -34.80%
Provision 241.96 234.12 3.35% 214.20 331.50 -35.38% 243.39 409.77 -40.60% 248.67 339.69 -26.80%
PBT 107.02 -109.20 - 27.09 -240.84 - 9.13 -282.39 - -155.42 -254.66 -
PBTM 9.75 -13.18 - 2.72 -27.00 - 1.02 -29.79 - -18.96 -25.59 -
TAX 26.94 -27.98 - 3.58 -57.65 - 2.01 -71.49 - -39.61 -64.59 -
PAT 80.08 -81.22 - 23.51 -183.19 - 7.12 -210.90 - -115.81 -190.07 -
PATM 7.29% -9.81% 2.36% -20.54% 0.80% -22.25% -14.13% -19.10%
EPS 1.55 -1.58 - 0.46 -3.55 - 0.14 -4.09 - -2.25 -3.69 -
Gross NPA 1,253.34 1,363.63 -8.09% 1,213.86 1,290.56 -5.94% 1,165.59 1,273.95 -8.51% 1,634.57 1,279.33 27.77%
Gross NPA% 5.40 7.48 -27.81% 5.41 6.87 -21.25% 5.64 6.96 -18.97% 8.54 6.98 22.35%
Net NPA 184.12 660.90 -72.14% 382.44 539.64 -29.13% 547.94 520.46 5.28% 696.40 524.94 32.66%
Net NPA% 0.83 3.77 -77.98% 1.77 2.99 -40.80% 2.73 2.97 -8.08% 3.83 2.98 28.52%
CASA 23.40 24.80 -5.65% 23.90 24.80 -3.63% 25.10 24.90 0.80% 26.40 24.60 7.32%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 1,898.22 1,699.74 2,046.85 2,369.80 1,836.28 1,147.13 921.59 792.18 573.36 282.02 13.28 Interest Earned 3,806.72 3,537.18 3,857.53 3,818.53 2,853.60 1,939.92 1,641.17 1,413.24 1,031.64 596.84 29.39 Interest Expended 1,908.50 1,837.44 1,810.68 1,448.73 1,017.32 792.79 719.58 621.06 458.28 314.82 16.11 Int. income Growth 3.36% -16.96% -13.63% 29.05% 60.08% 24.47% 16.34% 38.16% 103.30% 2023.64% Other Income 864.16 811.05 471.77 441.72 287.97 207.58 127.25 133.19 109.15 101.86 18.82 Total Income 4,670.88 2,510.79 2,518.62 2,811.52 2,124.25 1,354.71 1,048.84 925.37 682.51 383.88 32.10 Total Expenditure 1,826.34 2,673.71 3,152.34 2,190.11 1,676.42 1,248.10 878.90 645.95 538.42 330.61 29.47 Employee Cost - 692.02 664.48 362.97 278.00 232.14 187.78 144.06 77.10 39.52 1.82 % Of Sales - 19.56% 17.23% 9.51% 9.74% 11.97% 11.44% 10.19% 7.47% 6.62% 6.19% Opt. & Establishment Exp. - 1,172.27 1,356.28 1,336.85 994.33 663.50 472.65 479.79 393.21 276.20 22.03 % Of Sales - 33.14% 35.16% 35.01% 34.84% 34.20% 28.80% 33.95% 38.12% 46.28% 74.96% Provisions - 940.38 1,250.08 592.27 487.67 418.00 275.61 68.44 101.93 33.75 6.50 % Of Sales - 26.59% 32.41% 15.51% 17.09% 21.55% 16.79% 4.84% 9.88% 5.65% 22.12% EBITDA 936.04 -162.92 -633.72 621.41 447.83 106.61 169.94 279.42 144.09 53.27 2.63 EBITDA Margin 52.02% -9.58% -30.96% 26.22% 24.39% 9.29% 18.44% 35.27% 25.13% 18.89% 19.80% Depreciation 0.00 65.48 59.25 50.99 41.79 32.77 28.57 23.17 16.91 9.43 0.44 PBT -12.18 -228.40 -692.97 570.42 406.04 73.85 141.37 256.26 127.18 43.84 2.19 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -7.08 -62.00 -171.58 144.85 103.71 19.12 35.98 65.87 36.90 16.85 1.43 Tax Rate 58.13% 27.15% 24.76% 25.39% 25.54% 25.89% 25.45% 25.70% 29.01% 38.44% 65.30% PAT -5.10 -166.40 -521.39 425.57 302.33 54.73 105.40 190.39 90.28 26.99 0.76 PAT before Minority Interest -5.10 -166.40 -521.39 425.57 302.33 54.73 105.40 190.39 90.28 26.99 0.76 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -0.18% -6.63% -20.70% 15.14% 14.23% 4.04% 10.05% 20.57% 13.23% 7.03% 2.37% PAT Growth -99.23% 0 -222.52% 40.76% 452.40% -48.07% -44.64% 110.89% 234.49% 3451.32% EPS -0.10 -3.22 -10.10 8.25 5.86 1.06 2.04 3.69 1.75 0.52 0.01

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 1,786.54 1,949.05 2,491.79 1,715.00 1,411.60 1,352.06 1,084.08 893.69 343.35 305.76 Share Capital 515.66 515.43 514.78 449.47 449.47 449.47 427.80 427.80 311.95 301.56 Total Reserves 1,264.38 1,429.58 1,971.33 1,259.65 957.32 902.59 656.28 465.90 31.40 4.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 25,850.16 23,276.44 19,867.80 14,665.62 12,815.07 8,999.43 7,028.38 4,317.01 2,523.09 409.34 Borrowings 2,752.74 1,405.73 3,222.53 3,354.20 2,952.83 1,694.00 1,203.32 1,702.36 1,674.65 2,052.85 Other Liabilities & Provisions 478.55 547.07 504.77 488.86 528.06 293.16 154.19 144.43 183.04 170.52 Total Liabilities 30,867.99 27,178.29 26,086.89 20,223.68 17,707.56 12,338.65 9,469.97 7,057.49 4,724.13 2,938.47 Net Block 226.16 237.12 204.94 187.69 159.40 132.61 115.91 85.67 60.30 30.86 Gross Block 538.06 491.84 401.84 335.01 267.29 208.69 165.79 112.42 70.17 31.30 Accumulated Depreciation 311.90 254.73 196.90 147.32 107.89 76.09 49.88 26.75 9.87 0.44 Total Non-Current Assets 29,683.86 26,302.66 25,464.61 19,767.84 17,378.68 12,057.30 9,304.35 6,950.40 4,653.44 2,650.00 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 289.83 63.30 2.61 0.24 0.07 5.91 4.20 4.27 8.40 2.04 Cash and balance with RBI 1,113.71 1,351.43 1,364.65 739.55 1,300.67 1,618.07 304.77 246.74 438.46 106.86 Balance with banks and money at call 60.82 627.68 58.28 27.50 211.24 201.05 598.02 534.72 259.33 449.32 Investments 6,399.11 5,995.26 5,541.02 4,888.53 4,070.30 1,932.07 1,733.63 1,530.75 731.86 579.20 Advances 21,594.23 18,027.87 18,293.11 13,924.33 11,637.00 8,167.59 6,547.82 4,548.25 3,155.09 1,481.72 Other Assets 1,184.14 875.62 622.28 455.85 328.88 281.36 165.63 107.09 70.70 288.47 Total Assets 30,868.00 27,178.28 26,086.89 20,223.69 17,707.56 12,338.66 9,469.98 7,057.49 4,724.14 2,938.47 Contingent Liabilities 514.51 198.59 2.19 1.90 2.05 1.50 1.50 58.33 61.72 67.61 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 34.52 37.74 48.29 38.03 31.30 30.08 25.34 20.89 11.01 10.14

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -1,960.29 3,176.32 1,000.93 -570.70 -584.50 1,127.44 1,088.88 -240.14 700.49 -1,392.56 PBT -228.40 -692.97 570.41 406.04 73.85 141.37 256.26 127.18 43.84 2.20 Adjustment 1,027.48 1,487.36 618.41 618.35 443.11 289.14 88.70 120.01 42.20 -7.33 Adjustments for Liabilities & Assets -2,747.16 2,387.51 -27.57 -1,533.80 -1,084.56 806.24 817.53 -446.57 641.31 -1,387.42 Refund/(Payment) of direct taxes -12.21 -5.58 -160.33 -61.30 -16.90 -109.31 -73.60 -40.75 -26.86 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -191.67 -768.83 -582.54 -573.22 -981.85 -637.96 -634.78 -169.89 -181.48 -473.45 Net Fixed Assets -272.75 -150.69 -69.20 -67.89 -52.76 -44.61 -53.30 -38.12 -45.23 Other Investment Activity -1596.72 -1137.68 -977.67 -1317.10 -905.32 -849.38 -339.88 -298.17 -552.02 Cash from Financing Activity 1,347.37 -1,851.62 235.10 399.07 1,258.83 653.27 -499.04 487.77 -367.61 2,357.85 Closing Cash & Equivalent 1,171.20 1,975.79 1,419.92 766.42 1,511.28 1,818.80 676.03 720.98 643.24 491.85 Net Cash Inflow / Outflow -804.59 555.87 653.50 -744.86 -307.52 1,142.76 -44.95 77.74 151.40 491.85 Opening Cash & Equivalents 1,975.79 1,419.92 766.42 1,511.28 1,818.80 676.03 720.98 643.24 491.85 0.00

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 34.52 37.74 48.29 38.03 31.30 30.08 25.34 20.89 11.01 10.14 NIM 5.83 7.87 9.38 9.38 6.66 7.73 8.63 8.36 6.15 0.51 Yield on Advances 16.38 21.40 20.87 20.49 16.67 20.09 21.58 22.68 18.92 1.98 Yield on Investments 7.71 8.03 6.74 6.70 5.70 7.83 7.99 6.40 7.40 0.43 Cost of Liabilities 6.42 7.34 6.27 5.65 5.03 6.73 7.54 7.61 7.50 0.65 Interest Spread 9.96 14.06 14.60 14.85 11.64 13.36 14.04 15.07 11.42 1.33 ROCE -1.58% -10.91% 14.45% 12.42% 5.07% 8.27% 13.36% 12.25% 10.74% 0.65% Cost Income Ratio 71.64 77.88 58.65 57.93 63.69 60.31 64.91 66.43 79.79 72.93 Core Cost Income Ratio 71.15 80.48 59.51 55.93 64.66 61.67 65.36 66.53 80.80 73.77 Operating Costs to Assets 5.83 7.22 6.32 6.08 4.87 5.12 6.34 6.42 6.48 0.80 Loans/Deposits 0.11 0.06 0.16 0.23 0.23 0.19 0.17 0.39 0.66 5.02 Cash/Deposits 0.04 0.06 0.07 0.05 0.10 0.05 0.04 0.06 0.17 0.26 Investment/Deposits 0.25 0.26 0.28 0.33 0.32 0.21 0.25 0.35 0.29 1.41 Inc Loan/Deposits 10.65% 6.04% 16.22% 22.87% 23.04% 18.82% 17.12% 39.43% 66.37% 501.50% Credit Deposits 83.54% 77.45% 92.07% 94.95% 90.81% 90.76% 93.16% 105.36% 125.05% 361.98% Interest Expended / Interest earned 51.95% 46.94% 37.94% 35.65% 40.87% 43.85% 43.95% 44.42% 52.75% 54.81% Interest income / Total funds 11.46% 14.19% 14.64% 14.11% 10.96% 13.30% 14.92% 14.62% 12.63% 1.00% Interest Expended / Total funds 5.95% 6.66% 5.55% 5.03% 4.48% 5.83% 6.56% 6.49% 6.66% 0.55% CASA 23.91% 24.84% 22.66% 21.39% 22.84% 19.42% 13.66% 13.55% 10.01% 18.17%

Top Investors:

yusuffali musaliam veettil abdul kader

muthoot finance limited

george ittan maramkandathil

edelweiss life insurance company limited

bajaj life insurance limited

llp

Annual Reports:

News Update:

ESAF Small Finance - Quarterly Results
1st Aug 2026, 00:00 AM

Read More
ESAF Small Finance Bank raises Rs 85 crore via NCDs
25th Jun 2026, 12:00 PM

The Allotment Committee of Executives of the Bank on June 25, 2026 has accorded its approval for same
Read More

ESAF Small Finance Bank Ltd.

Bank - Private

BSE: 544020 | NSE: ESAFSFB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

ESAF Small Finance Bank Ltd.

Bank - Private

BSE: 544020 | NSE: ESAFSFB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: