WEBSITE BSE:544020 NSE: ESAFSFB Inc. Year: 2016 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:53
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ESAF Small Finance Bank Ltd is a prominent financial institution committed to fostering financial inclusion and empowering underserved communities. Established with a focus on providing banking services to the unbanked and underbanked segments, ESAF SFB has rapidly expanded its reach across India. The bank offers a diverse range of products and services, including savings accounts, loans, and microfinance solutions, tailored to meet the unique needs of its diverse customer base. Known for its customer-centric approach, ESAF SFB employs innovati...Read More
ESAF Small Finance Bank Ltd is a prominent financial institution committed to fostering financial inclusion and empowering underserved communities. Established with a focus on providing banking services to the unbanked and underbanked segments, ESAF SFB has rapidly expanded its reach across India. The bank offers a diverse range of products and services, including savings accounts, loans, and microfinance solutions, tailored to meet the unique needs of its diverse customer base. Known for its customer-centric approach, ESAF SFB employs innovative technology to enhance accessibility and efficiency. With a strong emphasis on social responsibility, the bank actively contributes to sustainable development and community upliftment, making it a trusted partner in the financial landscape. ...Read Less
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Market Cap ₹1331 Cr.
Stock P/E -2.6
P/B 0.8
Current Price ₹25.9
Book Value ₹ 34
Face Value 10
52W High ₹36.1
Dividend Yield 0%
52W Low ₹ 19.7
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 943 | 974 | 1002 | 1022 | 995 | 948 | 893 | 828 | 820 | 894 |
| Other Income | 79 | 120 | 150 | 115 | 98 | 114 | 143 | 195 | 145 | 269 |
| Total Income | 1022 | 1094 | 1152 | 1138 | 1093 | 1062 | 1037 | 1023 | 965 | 1163 |
| Interest Expense | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 456 | 462 |
| Operating Expenditure | 386 | 429 | 456 | 450 | 494 | 472 | 488 | 448 | 416 | 449 |
| Provisions and contingencies | 101 | 138 | 226 | 169 | 340 | 410 | 332 | 234 | 249 | 243 |
| Operating Profit | 188 | 150 | 59 | 85 | -197 | -282 | -241 | -109 | -155 | 9 |
| Profit Before Tax | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 | 9 |
| Provision for Tax | 48 | 38 | 15 | 22 | -65 | -71 | -58 | -28 | -40 | 2 |
| Profit After Tax | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 | 7 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 | 7 |
| Adjusted Earnings Per Share | 3.1 | 2.2 | 0.8 | 1.2 | -3.7 | -4.1 | -3.6 | -1.6 | -2.2 | 0.1 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 29 | 597 | 1032 | 1413 | 1641 | 1940 | 2854 | 3819 | 3862 | 3435 |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 752 |
| Total Income | 48 | 699 | 1141 | 1546 | 1768 | 2148 | 3142 | 4260 | 4329 | 4188 |
| Interest Expense | 16 | 315 | 458 | 621 | 720 | 793 | 1017 | 1449 | 1811 | 1826 |
| Operating Expenditure | 23 | 306 | 453 | 601 | 632 | 863 | 1231 | 1649 | 1962 | 1801 |
| Provisions and contingencies | 6 | 34 | 102 | 68 | 276 | 418 | 488 | 592 | 1250 | 1058 |
| Operating Profit | 2 | 44 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -496 |
| Profit Before Tax | 2 | 44 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -496 |
| Provision for Tax | 1 | 17 | 37 | 66 | 36 | 19 | 104 | 145 | -172 | -124 |
| Profit After Tax | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -373 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -373 |
| Adjusted Earnings Per Share | 0 | 0.9 | 2.1 | 4.5 | 2.3 | 1.2 | 6.7 | 8.3 | -10.1 | -7.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 1% | 26% | 22% | 0% |
| Operating Profit CAGR | -222% | NAN% | NAN% | 0% |
| PAT CAGR | -222% | NAN% | NAN% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -14% | NA% | NA% | NA% |
| ROE Average | -24% | 5% | 6% | 8% |
| ROCE Average | -11% | 5% | 6% | 8% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 306 | 343 | 894 | 1084 | 1352 | 1412 | 1715 | 2492 | 1949 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 409 | 2523 | 4317 | 7028 | 8999 | 12815 | 14666 | 19868 | 23276 |
| Borrowings | 2053 | 1675 | 1702 | 1203 | 1694 | 2953 | 3354 | 3223 | 1406 |
| Other Liabilities & Provisions | 171 | 183 | 144 | 154 | 293 | 528 | 489 | 505 | 547 |
| Total Liabilities | 2938 | 4724 | 7057 | 9470 | 12339 | 17708 | 20224 | 26087 | 27178 |
| Cash and balance with RBI | 107 | 438 | 247 | 305 | 1618 | 1301 | 740 | 1365 | 1351 |
| Bank Balance | 449 | 259 | 535 | 598 | 201 | 211 | 28 | 58 | 628 |
| Investments | 579 | 732 | 1531 | 1734 | 1932 | 4070 | 4889 | 5541 | 5995 |
| Advances | 1482 | 3155 | 4548 | 6548 | 8168 | 11637 | 13924 | 18293 | 18028 |
| Fixed Assets | 31 | 60 | 86 | 116 | 133 | 159 | 188 | 205 | 237 |
| Other Assets | 288 | 71 | 107 | 166 | 281 | 329 | 456 | 622 | 876 |
| Total Assets | 2938 | 4724 | 7057 | 9470 | 12339 | 17708 | 20224 | 26087 | 27178 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 492 | 643 | 721 | 676 | 1819 | 1511 | 766 | 1420 |
| Cash Flow from Operating Activities | -1393 | 700 | -240 | 1089 | 1127 | -585 | -571 | 1001 | 3176 |
| Cash Flow from Investing Activities | -473 | -181 | -170 | -635 | -638 | -982 | -573 | -583 | -769 |
| Cash Flow from Financing Activities | 2358 | -368 | 488 | -499 | 653 | 1259 | 399 | 235 | -1852 |
| Net Cash Inflow / Outflow | 492 | 151 | 78 | -45 | 1143 | -308 | -745 | 653 | 556 |
| Closing Cash & Cash Equivalent | 492 | 643 | 721 | 676 | 1819 | 1511 | 766 | 1420 | 1976 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 |
| CEPS(Rs) | 0.04 | 1.17 | 2.51 | 4.99 | 2.98 | 1.95 | 7.66 | 9.26 | -8.97 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7 | 0 |
| Book NAV/Share(Rs) | 10.14 | 11.01 | 20.89 | 25.34 | 30.08 | 31.3 | 38.03 | 48.29 | 37.74 |
| Yield on Advances | 1.98 | 18.92 | 22.68 | 21.58 | 20.09 | 16.67 | 20.49 | 20.87 | 21.42 |
| Yield on Investments | 0.43 | 7.4 | 6.4 | 7.99 | 7.83 | 5.7 | 6.7 | 6.74 | 8.03 |
| Cost of Liabilities | 0.65 | 7.5 | 7.61 | 7.54 | 6.73 | 5.03 | 5.65 | 6.27 | 7.34 |
| NIM (Net Interest Margin) | 0.51 | 6.15 | 8.36 | 8.63 | 7.73 | 6.66 | 9.38 | 9.38 | 7.89 |
| Interest Spread | 1.33 | 11.42 | 15.07 | 14.04 | 13.36 | 11.64 | 14.85 | 14.6 | 14.09 |
| ROA(%) | 0.03 | 0.7 | 1.53 | 2.3 | 0.97 | 0.36 | 1.59 | 1.84 | -1.96 |
| ROE(%) | 0.25 | 8.32 | 14.6 | 19.25 | 8.65 | 3.97 | 19.41 | 20.29 | -23.53 |
| ROCE(%) | 0.65 | 11.51 | 13.85 | 16.06 | 9.61 | 5.07 | 12.42 | 14.45 | -10.91 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.56 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.12 | 0.65 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.29 | 0 |
| EV/Net Sales(x) | 80.1 | 3.33 | 2.06 | 1.15 | 1.31 | 1.75 | 1.33 | 1.57 | 0.69 |
| EV/Core EBITDA(x) | 270.94 | 25.6 | 9.3 | 5.02 | 5.14 | 6.92 | 4.26 | 5.17 | 4.79 |
| Interest Earned Growth(%) | 0 | 1930.56 | 72.85 | 36.99 | 16.13 | 18.2 | 47.1 | 33.81 | 1.14 |
| Net Profit Growth | 0 | 3438.2 | 234.45 | 110.88 | -44.64 | -48.07 | 452.39 | 40.76 | -222.52 |
| Advances Growth | 0 | 112.93 | 44.16 | 43.96 | 24.74 | 42.48 | 19.66 | 31.38 | -1.45 |
| EPS Growth(%) | 0 | 3320.55 | 143.86 | 110.88 | -47.31 | -48.07 | 452.39 | 22.9 | -222.36 |
| Loans/Deposits(x) | 501.5 | 66.37 | 39.43 | 17.12 | 18.82 | 23.04 | 22.87 | 16.22 | 6.04 |
| Cash/Deposits(x) | 0.26 | 0.17 | 0.06 | 0.04 | 0.18 | 0.1 | 0.05 | 0.07 | 0.06 |
| Current Ratio(x) | 1.41 | 0.29 | 0.35 | 0.25 | 0.21 | 0.32 | 0.33 | 0.28 | 0.26 |
| Quick Ratio(x) | 501.5 | 66.37 | 39.43 | 17.12 | 18.82 | 23.04 | 22.87 | 16.22 | 6.04 |
| CASA % | 18.17 | 10.01 | 13.55 | 13.66 | 19.42 | 22.84 | 21.39 | 22.66 | 24.84 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 63.39 | 63.39 | 63.39 | 63.38 | 63.36 | 63.31 | 63.31 | 63.3 | 63.3 | 63.28 |
| FII | 1.16 | 0.81 | 0.12 | 0.15 | 0.16 | 0.27 | 0.17 | 0.16 | 0.01 | 0.01 |
| DII | 10.98 | 10.26 | 8.9 | 5.56 | 5.03 | 5 | 5 | 5 | 4.97 | 4.63 |
| Public | 24.48 | 25.54 | 27.59 | 30.91 | 31.46 | 31.42 | 31.52 | 31.53 | 31.73 | 32.08 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 | 32.63 |
| FII | 0.6 | 0.42 | 0.06 | 0.08 | 0.08 | 0.14 | 0.09 | 0.08 | 0 | 0 |
| DII | 5.65 | 5.28 | 4.58 | 2.86 | 2.59 | 2.58 | 2.58 | 2.58 | 2.56 | 2.39 |
| Public | 12.6 | 13.15 | 14.2 | 15.92 | 16.2 | 16.19 | 16.25 | 16.26 | 16.36 | 16.54 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 51.48 | 51.48 | 51.48 | 51.49 | 51.51 | 51.54 | 51.54 | 51.55 | 51.56 | 51.57 |
* The pros and cons are machine generated.
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