ESAF Small Finance Bank Limited

NSE: ESAFSFB · Unclassified

₹42.04-0.40%06 Nov 2026

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Instant answers about ESAF Small Finance Bank Limited — computed from its filings, no language model

Market cap₹2,170 cr

Current price₹42.04

High / Low₹45 / ₹20

P/E8.0

P/B1.07

Book value₹39.2

ROE13.4%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹5.25

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY24	FY25	FY26
Total income	4,260	4,329	4,348
Pre-provision op. profit	1,163	615	712
Operating margin	27.3%	14.2%	16.4%
Interest	1,449	1,811	1,837
Profit before tax	570	-693	-228
Tax	145	-172	-62
Net profit	426	-521	-166
EPS ₹	8.96	-10.13	-3.23
Operating cash flow	1,001	3,176	-1,960
Capex	71	153	283
Dividend paid	0	36	0
Total assets	26,087	27,178	30,868
Equity	2,486	1,945	1,780

Quarterly performance

last 13 quarters · ₹ crore

showing latest 8 of 13 periods

	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	2,014	1,094	1,152	1,138	1,093	1,062	1,037	1,023	965	1,163	1,196	1,346	1,388
Pre-provision op. profit	590	288	285	254	143	127	91	125	93	253	241	349	362
Operating margin	29.3%	26.3%	24.7%	22.3%	13.1%	12.0%	8.7%	12.2%	9.7%	21.7%	20.2%	25.9%	26.1%
Other income	172	120	150	115	97	112	143	195	145	269	0	248	213
Interest	660	377	411	434	456	463	458	450	456	462	477	514	531
Profit before tax	362	150	59	85	-255	-282	-241	-109	-155	9	27	107	214
Tax	92	38	15	22	-65	-71	-58	-28	-40	2	4	27	54
Net profit	270	112	43	63	-190	-211	-183	-81	-116	7	24	80	160
EPS ₹	6.01	2.43	0.91	1.22	-3.69	-4.10	-3.56	-1.58	0.00	0.00	0.46	1.55	3.10
Revenue YoY	—	—	—	—	-45.7%	-3.0%	-10.0%	-10.1%	-11.7%	9.6%	15.4%	31.5%	43.8%
Profit YoY	—	—	—	—	-170.4%	-288.1%	-522.6%	-229.4%	—	—	—	—	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 10 periods

	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	19.6%	1.2%	-12.6%	-26.8%	-34.2%	-33.8%	-21.3%	-9.3%	-0.3%	13.4%
Net margin	9.0%	0.6%	-6.6%	-12.0%	-15.8%	-14.5%	-8.9%	-3.8%	-0.1%	5.3%
EBITDA margin	26.2%	21.7%	18.2%	14.2%	11.5%	10.7%	13.4%	16.4%	20.0%	23.7%
Asset turnover	0.21	0.17	0.17	0.16	0.16	0.15	0.15	0.14	0.15	0.16

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 7 periods

	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	449	515	515	515	516	516	516
Reserves	1,530	1,971	1,818	1,430	1,233	1,264	1,507
Total equity	1,979	2,486	2,333	1,945	1,748	1,780	2,023
Deposits	17,416	19,868	21,614	23,276	22,894	25,850	28,466
Borrowings	2,442	3,223	2,141	1,406	2,113	2,753	1,784
Total assets	22,368	26,087	26,646	27,178	27,129	30,868	32,690
Advances	14,902	18,293	17,586	18,028	18,199	21,594	23,335
Investments	5,591	5,541	5,916	5,995	6,396	6,399	6,370
Fixed assets	190	208	218	300	435	516	586
Cash & bank balances	1,145	1,423	2,138	1,979	1,026	1,175	1,059

Cash flow

annual · ₹ crore · line = free cash flow

	FY24	FY25	FY26
Cash from operations	1,001	3,176	-1,960
Cash from investing	-583	-769	-192
Cash from financing	235	-1,852	1,347
Capex	71	153	283
Free cash flow	930	3,024	-2,243
Dividends paid	0	36	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹23,335 cr71%

Investments

₹6,370 cr19%

Fixed assets

₹586 cr2%

Cash & bank

₹1,059 cr3%

Other assets

₹1,339 cr4%

Peer comparison

largest in Unclassified · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
Avantel Limited	36,86,04,549	138.69	—	1059360.68	0.0%
Ducol Organics And Colours Limited	19,55,275	120.00	—	20089.13	0.0%
Jio Platforms Limited	12,57,181	1,406.40	—	3.57	—
SBI Funds Management Limited	1,01,750	499.55	—	—	—
Tamilnadu Telecommunication Limited	91,314	9.93	—	—	—
Manipal Health Enterprises Limited	76,294	646.70	—	—	—
INDO-MIM Limited	59,042	1,219.50	—	—	—
AvenuesAI Limited	45,138	129.25	153.6	9.51	6.2%
Dhoot Transmission Limited	32,761	1,601.60	—	8.11	—
3M India Limited	31,071	27,570.00	53.8	17.57	32.7%
ESAF Small Finance Bank Limited	2,170	42.04	8.0	1.07	13.4%

StoxGud checklist: Bullish setup · 7/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-1.5%

6 months+52.8%

1 year+50.0%

3Y CAGR-15.3%

5Y CAGR—

10Y CAGR—

50-day avg₹41.73

200-day avg₹32.96

RSI (14)43

FAQs

What is the share price of ESAF Small Finance Bank Limited?

ESAF Small Finance Bank Limited (ESAFSFB) closed at ₹42.04 on NSE on 06 Nov 2026.

What is the market cap of ESAF Small Finance Bank Limited?

₹2,170 crore at the latest close.

What is the P/E ratio of ESAF Small Finance Bank Limited?

8.0, on trailing-twelve-month earnings from its filings.

How fast is ESAF Small Finance Bank Limited growing?

ESAF Small Finance Bank Limited: Latest-quarter revenue is up 43.8% year on year.

How profitable is ESAF Small Finance Bank Limited?

On a trailing-twelve-month basis return on equity is 13.4%, operating margin 23.7%, net margin 5.3%.

How much debt does ESAF Small Finance Bank Limited have?

Debt to equity isn't meaningful for ESAF Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from ESAF Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from SEP '23, annual from FY24, balance sheet from Sep '23. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.