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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,236.59
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,290.89
N/A
0.70

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

6.21
6.21

EBITDA CAGR (%)

10 Years
5 Years
3 Years

PAT CAGR (%)

10 Years
5 Years
3 Years

P:E (Median)

8 Years
5 Years
3 Years

-
-
6.21

P:BV (Average)

8 Years
5 Years
3 Years

-
-
0.96

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
6.17

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Interest Earned 894.05 947.85 -5.68% 819.82 995.28 -17.63% 828.23 1,022.34 -18.99% 893.44 1,001.99 -10.83%
Interest Exp. 461.72 462.87 -0.25% 455.76 456.06 -0.07% 450.36 434.10 3.75% 457.65 411.25 11.28%
Net Interest Income 432.33 484.98 -10.86% 364.06 539.22 -32.48% 377.87 588.24 -35.76% 435.79 590.74 -26.23%
NIM 6.10 8.60 -29.07% 5.90 9.10 -35.16% 6.00 9.40 -36.17% 8.10 10.70 -24.30%
Other Income 269.39 113.93 136.45% 145.16 97.73 48.53% 195.14 115.40 69.10% 143.34 149.85 -4.34%
Total Income 1,163.44 1,061.78 9.57% 964.98 1,093.01 -11.71% 1,023.37 1,137.74 -10.05% 1,036.78 1,151.84 -9.99%
Operating Exp. 449.20 471.53 -4.74% 415.97 493.92 -15.78% 448.09 449.60 -0.34% 488.47 455.91 7.14%
Operating Profit 252.52 127.38 98.24% 93.25 143.03 -34.80% 124.92 254.04 -50.83% 90.66 284.68 -68.15%
Provision 243.39 409.77 -40.60% 248.67 339.69 -26.80% 234.12 169.12 38.43% 331.50 226.15 46.58%
PBT 9.13 -282.39 - -155.42 -254.66 - -109.20 84.92 - -240.84 58.53 -
PBTM 1.02 -29.79 - -18.96 -25.59 - -13.18 8.31 - -26.96 5.84 -
TAX 2.01 -71.49 - -39.61 -64.59 - -27.98 22.15 - -57.65 15.18 -
PAT 7.12 -210.90 - -115.81 -190.07 - -81.22 62.77 - -183.19 43.35 -
PATM 0.80% -22.25% -14.13% -19.10% -9.81% 6.14% -20.50% 4.33%
EPS 0.14 -4.09 - -2.25 -3.69 - -1.58 1.22 - -3.55 0.84 -
Gross NPA 1,165.59 1,273.95 -8.51% 1,634.57 1,279.33 27.77% 1,363.63 1,242.11 9.78% 1,290.56 893.04 44.51%
Gross NPA% 5.64 6.96 -18.97% 8.54 6.98 22.35% 7.48 6.61 13.16% 6.87 4.76 44.33%
Net NPA 547.94 520.46 5.28% 696.40 524.94 32.66% 660.90 583.79 13.21% 539.64 413.79 30.41%
Net NPA% 2.73 2.97 -8.08% 3.83 2.98 28.52% 3.77 3.22 17.08% 2.99 2.26 32.30%
CASA 25.10 24.90 0.80% 26.40 24.60 7.32% 24.80 23.60 5.08% 24.80 22.70 9.25%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 1,610.05 2,051.53 2,369.80 1,836.28 1,147.13 921.59 792.18 573.36 282.02 13.28 Interest Earned 3,435.54 3,862.22 3,818.53 2,853.60 1,939.92 1,641.17 1,413.24 1,031.64 596.84 29.39 Interest Expended 1,825.49 1,810.69 1,448.73 1,017.32 792.79 719.58 621.06 458.28 314.82 16.11 Int. income Growth -26.92% -13.43% 29.05% 60.08% 24.47% 16.34% 38.16% 103.30% 2023.64% Other Income 753.03 467.09 441.72 287.97 207.58 127.25 133.19 109.15 101.86 18.82 Total Income 4,188.57 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 1,801.73 3,152.34 2,190.11 1,676.42 1,248.10 878.90 645.95 538.42 330.61 29.47 Employee Cost - 660.08 362.97 278.00 232.14 187.78 144.06 77.10 39.52 1.82 % Of Sales - 17.09% 9.51% 9.74% 11.97% 11.44% 10.19% 7.47% 6.62% 6.19% Opt. & Establishment Exp. - 1,360.68 1,336.85 994.33 663.50 472.65 479.79 393.21 276.20 22.03 % Of Sales - 35.23% 35.01% 34.84% 34.20% 28.80% 33.95% 38.12% 46.28% 74.96% Provisions - 1,250.08 592.27 487.67 418.00 275.61 68.44 101.93 33.75 6.50 % Of Sales - 32.37% 15.51% 17.09% 21.55% 16.79% 4.84% 9.88% 5.65% 22.12% EBITDA 561.35 -633.72 621.41 447.83 106.61 169.94 279.42 144.09 53.27 2.63 EBITDA Margin 47.56% -30.89% 26.22% 24.39% 9.29% 18.44% 35.27% 25.13% 18.89% 19.80% Depreciation 0.00 59.25 50.99 41.79 32.77 28.57 23.17 16.91 9.43 0.44 PBT -496.33 -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 Provision for Tax -123.23 -171.58 144.85 103.71 19.12 35.98 65.87 36.90 16.85 1.43 Tax Rate 24.83% 24.76% 25.39% 25.54% 25.89% 25.45% 25.70% 29.01% 38.44% 65.30% PAT -373.10 -521.39 425.57 302.33 54.73 105.40 190.39 90.28 26.99 0.76 PAT before Minority Interest -373.10 -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 PAT Margin -15.79% -20.70% 15.14% 14.23% 4.04% 10.05% 20.57% 13.23% 7.03% 2.37% PAT Growth 26.54% -222.52% 40.76% 452.40% -48.07% -44.64% 110.89% 234.49% 3451.32% EPS -7.24 -10.11 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 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 515.43 514.78 449.47 449.47 449.47 427.80 427.80 311.95 301.56 Total Reserves 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 Deposits 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 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 547.07 504.77 488.86 528.06 293.16 154.19 144.43 183.04 170.52 Total Liabilities 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 237.12 204.94 187.69 159.40 132.61 115.91 85.67 60.30 30.86 Gross Block 491.84 401.84 335.01 267.29 208.69 165.79 112.42 70.17 31.30 Accumulated Depreciation 254.73 196.90 147.32 107.89 76.09 49.88 26.75 9.87 0.44 Total Non-Current Assets 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 Capital Work in Progress 63.30 2.61 0.24 0.07 5.91 4.20 4.27 8.40 2.04 Cash and balance with RBI 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 627.68 58.28 27.50 211.24 201.05 598.02 534.72 259.33 449.32 Investments 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 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 875.62 622.28 455.85 328.88 281.36 165.63 107.09 70.70 288.47 Total Assets 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 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 Adjusted Book Value 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 3,176.32 1,000.93 -570.70 -584.50 1,127.44 1,088.88 -240.14 700.49 -1,392.56 PBT -692.97 570.41 406.04 73.85 141.37 256.26 127.18 43.84 2.20 Adjustment 1,487.36 618.41 618.35 443.11 289.14 88.70 120.01 42.20 -7.33 Adjustments for Liabilities & Assets 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 -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 Cash From Investing Activity -768.83 -582.54 -573.22 -981.85 -637.96 -634.78 -169.89 -181.48 -473.45 Net Fixed Assets -150.69 -69.20 -67.89 -52.76 -44.61 -53.30 -38.12 -45.23 Other Investment Activity -1137.68 -977.67 -1317.10 -905.32 -849.38 -339.88 -298.17 -552.02 Cash from Financing Activity -1,851.62 235.10 399.07 1,258.83 653.27 -499.04 487.77 -367.61 2,357.85 Closing Cash & Equivalent 1,975.79 1,419.92 766.42 1,511.28 1,818.80 676.03 720.98 643.24 491.85 Net Cash Inflow / Outflow 555.87 653.50 -744.86 -307.52 1,142.76 -44.95 77.74 151.40 491.85 Opening Cash & Equivalents 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 37.74 48.29 38.03 31.30 30.08 25.34 20.89 11.01 10.14 NIM 7.89 9.38 9.38 6.66 7.73 8.63 8.36 6.15 0.51 Yield on Advances 21.42 20.87 20.49 16.67 20.09 21.58 22.68 18.92 1.98 Yield on Investments 8.03 6.74 6.70 5.70 7.83 7.99 6.40 7.40 0.43 Cost of Liabilities 7.34 6.27 5.65 5.03 6.73 7.54 7.61 7.50 0.65 Interest Spread 14.09 14.60 14.85 11.64 13.36 14.04 15.07 11.42 1.33 ROCE -10.91% 14.45% 12.42% 5.07% 8.27% 13.36% 12.25% 10.74% 0.65% Cost Income Ratio 77.88 58.65 57.93 63.69 60.31 64.91 66.43 79.79 72.93 Core Cost Income Ratio 80.48 59.51 55.93 64.66 61.67 65.36 66.53 80.80 73.77 Operating Costs to Assets 7.22 6.32 6.08 4.87 5.12 6.34 6.42 6.48 0.80 Loans/Deposits 0.06 0.16 0.23 0.23 0.19 0.17 0.39 0.66 5.02 Cash/Deposits 0.06 0.07 0.05 0.10 0.05 0.04 0.06 0.17 0.26 Investment/Deposits 0.26 0.28 0.33 0.32 0.21 0.25 0.35 0.29 1.41 Inc Loan/Deposits 6.04% 16.22% 22.87% 23.04% 18.82% 17.12% 39.43% 66.37% 501.50% Credit Deposits 77.45% 92.07% 94.95% 90.81% 90.76% 93.16% 105.36% 125.05% 361.98% Interest Expended / Interest earned 46.88% 37.94% 35.65% 40.87% 43.85% 43.95% 44.42% 52.75% 54.81% Interest income / Total funds 14.21% 14.64% 14.11% 10.96% 13.30% 14.92% 14.62% 12.63% 1.00% Interest Expended / Total funds 6.66% 5.55% 5.03% 4.48% 5.83% 6.56% 6.49% 6.66% 0.55% CASA 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

bajaj life insurance limited

edelweiss life insurance company limited

llp

Annual Reports:

News Update:

ESAF Small Finance - Quarterly Results
31st Jan 2026, 00:00 AM

Read More
ESAF Small Finance Bank raises Rs 150 crore via NCDs
23rd Jan 2026, 16:45 PM

The Allotment Committee of Executives of the bank at its meeting held on January 23, 2026 has accorded its approval for the 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: