ESAF Small Finance Bank Ltd

ESAF Small Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

ESAF Small Finance Bank Ltd

₹ 27.7 0.25%
21 May - close price
esafbank.com BSE: 544020 NSE: ESAFSFB
About

Incorporated in 1992, ESAF Small Finance
Bank provides micro, retail and corporate banking, para banking activities such as
debit card, third party financial product distribution, in addition to treasury and
permitted foreign exchange business[1]

Key Points

Multi-Nodal Delivery Channels:[1]
a) Banking Outlets:
The company operates full-fledged banking product & services
b) Institutional Business Correspondents (BCs):
It undertakes sourcing and servicing of customers for micro loans, mortgage loans, vehicle loans, MSME loans, agricultural loans, select deposit and third-party products, through its 35 IBCs
c) Digital Banking:
Digital channels viz. internet banking and mobile banking offerings to help customers to pay bills, transfer funds to other banks instantaneously and use scan and pay facilities at merchant
outlets

Website BSE NSE
  • Market Cap ₹ 1,429 Cr.
  • Current Price ₹ 27.7
  • High / Low ₹ 36.2 / 19.7
  • Stock P/E
  • Book Value ₹ 34.5
  • Dividend Yield 0.00 %
  • ROCE 5.64 %
  • ROE -8.92 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.80 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -4.24% over last 3 years.
  • Earnings include an other income of Rs.811 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Part of BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
774 899 943 974 1,002 1,022 995 948 892 828 820 894 995
Interest 275 313 347 377 411 434 456 463 458 450 448 462 477
457 505 487 567 682 619 834 881 820 682 672 693 692
Financing Profit 42 81 109 30 -91 -30 -294 -396 -386 -304 -301 -260 -174
Financing Margin % 5% 9% 12% 3% -9% -3% -30% -42% -43% -37% -37% -29% -18%
94 93 79 120 150 115 40 114 145 195 145 269 201
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 136 174 188 150 59 85 -255 -282 -241 -109 -155 9 27
Tax % 26% 25% 26% 25% 26% 26% -25% -25% -24% -26% -25% 22% 13%
101 130 140 112 43 63 -190 -211 -183 -81 -116 7 24
EPS in Rs 2.26 2.89 3.12 2.18 0.84 1.22 -3.69 -4.09 -3.55 -1.58 -2.25 0.14 0.46
Gross NPA % 2.49% 1.65% 2.64% 4.16% 4.76% 6.61% 6.98% 6.96% 6.87% 7.48% 8.54% 5.64% 5.41%
Net NPA % 1.13% 0.81% 1.19% 2.19% 2.26% 3.22% 2.98% 2.97% 2.99% 3.77% 3.83% 2.73% 1.77%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
29 597 1,032 1,413 1,641 1,940 2,854 3,819 3,862 3,537
Interest 16 315 458 621 720 793 1,017 1,449 1,811 1,837
31 357 538 646 879 1,248 1,676 2,190 3,152 2,739
Financing Profit -18 -75 35 146 43 -101 160 180 -1,101 -1,039
Financing Margin % -61% -13% 3% 10% 3% -5% 6% 5% -28% -29%
19 102 109 133 127 208 288 442 467 811
Depreciation 0 0 17 23 29 33 42 51 59 0
Profit before tax 1 27 127 256 141 74 406 570 -693 -228
Tax % 0% 0% 29% 26% 25% 26% 26% 25% -25% -27%
1 27 90 190 105 55 302 426 -521 -166
EPS in Rs 0.03 0.87 2.11 4.45 2.34 1.22 6.73 8.27 -10.12 -3.23
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 8% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 17%
3 Years: 7%
TTM: -8%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 68%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -8%
Return on Equity
10 Years: 4%
5 Years: 1%
3 Years: -4%
Last Year: -9%

Balance Sheet

Figures in Rs. Crores

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 302 312 428 428 449 449 449 515 515 516
Reserves 4 31 466 656 903 962 1,266 1,977 1,434 1,264
Deposits 409 2,523 4,317 7,028 8,999 12,815 14,666 19,868 23,276 25,850
Borrowing 2,053 1,675 1,702 1,203 1,694 2,953 3,354 3,223 1,406 2,753
227 183 145 154 293 528 489 505 547 485
Total Liabilities 2,994 4,724 7,058 9,470 12,339 17,708 20,224 26,087 27,178 30,868
33 69 86 116 133 159 188 205 237 516
CWIP 0 0 4 4 6 0 0 3 63 0
Investments 579 732 1,531 1,734 1,932 4,070 4,889 5,541 5,995 6,399
2,382 3,924 5,438 7,616 10,268 13,478 15,147 20,338 20,883 23,953
Total Assets 2,994 4,724 7,058 9,470 12,339 17,708 20,224 26,087 27,178 30,868

Cash Flows

Figures in Rs. Crores

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-239 1,089 1,127 -584 -571 1,001 3,176
-171 -635 -638 -982 -573 -583 -769
488 -499 653 1,259 399 235 -1,852
Net Cash Flow 78 -45 1,143 -308 -745 654 556
Free Cash Flow -277 1,036 1,078 -638 -641 930 3,024
CFO/OP -40% 152% 162% -82% -43% 71% 448%

Ratios

Figures in Rs. Crores

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 0% 8% 15% 19% 9% 4% 19% 20% -23% -9%

Insights

In beta
Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Advances
₹ Crore

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Number of Banking Outlets
Numbers
Total Deposits
₹ Crore
CASA Ratio
%
Cost of Funds
%
Gross NPA
%
Yield on Advances
%
Total Customers
Million
Secured Asset Mix
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
63.39% 63.39% 63.39% 63.38% 63.36% 63.31% 63.31% 63.30% 63.29% 63.28%
1.16% 0.81% 0.12% 0.15% 0.16% 0.27% 0.16% 0.16% 0.01% 0.01%
10.98% 10.26% 8.90% 5.56% 5.02% 5.00% 5.00% 5.00% 4.97% 4.63%
24.48% 25.53% 27.57% 30.92% 31.45% 31.41% 31.51% 31.53% 31.74% 32.08%
No. of Shareholders 94,7131,02,1241,07,4131,15,8181,18,5121,16,9121,16,4901,13,9551,11,6911,09,246

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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