Share Price and Basic Stock Data
Last Updated: January 22, 2026, 8:20 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ESAF Small Finance Bank Ltd operates in the private sector finance industry, with a current market capitalization of ₹1,502 Cr and a share price of ₹29.1. The bank has shown significant growth in revenue, reporting ₹688 Cr in September 2022, which rose consistently to ₹943 Cr by September 2023. This upward trend continued with revenues reaching ₹1,022 Cr in June 2024, although a slight decline to ₹995 Cr was noted in September 2024. The trailing twelve months (TTM) revenue stood at ₹3,490 Cr as of March 2025, indicating robust year-on-year growth. The bank’s interest income also exhibited a positive trajectory, increasing from ₹251 Cr in September 2022 to ₹347 Cr in September 2023. However, the bank faced challenges in maintaining operational efficiency, with expenses rising sharply from ₹425 Cr in September 2022 to ₹487 Cr in September 2023, subsequently escalating to ₹834 Cr by September 2024, reflecting a potential concern in cost management.
Profitability and Efficiency Metrics
Profitability metrics for ESAF Small Finance Bank indicate a challenging landscape. The net profit reported a loss of ₹591 Cr for the year ending March 2025, a stark contrast to the net profit of ₹302 Cr in March 2023. The bank’s profit before tax also declined significantly, recording a loss of ₹693 Cr for FY 2025 compared to a profit of ₹406 Cr in FY 2023. The return on equity (ROE) stood at 23.5% as of the latest reporting, suggesting strong profitability relative to shareholder equity; however, it is important to note the negative return on equity projected for FY 2025 at -26.75%. Operating profit margin (OPM) metrics reflect operational challenges, with a significant decline to -20.70% in FY 2025 from a positive margin of 14.23% in FY 2023, indicating inefficiencies in converting revenues into actual profit. The bank’s financing profit margin also turned negative, highlighting the need for strategic financial management.
Balance Sheet Strength and Financial Ratios
ESAF Small Finance Bank’s balance sheet reflects a total asset base of ₹27,178 Cr as of March 2025, up from ₹20,224 Cr in March 2023. The bank’s equity capital stood at ₹515 Cr, with reserves recorded at ₹1,434 Cr for FY 2025. The gross non-performing asset (NPA) ratio increased to 8.54% by September 2025 from 2.49% in March 2023, signaling potential credit quality concerns. The bank’s net NPA ratio also rose to 3.83%, reflecting a deteriorating asset quality. Financial ratios such as the price-to-book value (P/BV) stood at 0.64, suggesting the stock is trading below its book value, which might attract value investors. The cost-to-income ratio soared to 77.88%, indicating that the bank is incurring high costs relative to its income, a concern for operational sustainability. These metrics highlight both the growth in assets and the critical challenges the bank faces in managing its liabilities and asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of ESAF Small Finance Bank reveals a dominant promoter stake of 63.30%, reflecting strong control by the founding members. Institutional investors hold a modest 5.16% stake, with foreign institutional investors (FIIs) at 0.16% and domestic institutional investors (DIIs) at 5.00%. The public shareholding constitutes 31.53%, indicating a healthy distribution among retail investors. The number of shareholders stood at 1,13,955, suggesting growing retail interest. However, the declining trend in FII participation, which fell from 1.16% in December 2023 to 0.16% by September 2025, could point to waning confidence among foreign investors. This decline may raise concerns about the bank’s appeal in the broader market. The relatively stable DII holdings suggest that domestic institutional confidence remains, albeit at modest levels.
Outlook, Risks, and Final Insight
Looking ahead, ESAF Small Finance Bank faces a mixed outlook characterized by both risks and potential opportunities. The bank’s ability to recover from its current net loss of ₹591 Cr and address rising NPA ratios will be critical for regaining investor confidence. Strengths include its solid revenue growth trajectory and a robust promoter stake, which can facilitate strategic decision-making. However, the increasing cost-to-income ratio and deteriorating asset quality pose significant risks that could hinder future performance. If the bank successfully implements cost-control measures and enhances its credit risk management, it could stabilize its profitability. Conversely, failure to address these operational inefficiencies and asset quality issues could lead to further financial strain. The bank’s future will largely depend on its strategic response to these challenges and its ability to leverage its growth potential while managing risks effectively.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,827 Cr. | 220 | 339/180 | 22.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,509 Cr. | 29.3 | 38.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,151 Cr. | 254 | 331/249 | 8.52 | 307 | 1.58 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,873 Cr. | 21.6 | 24.3/16.0 | 21.4 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,016 Cr. | 62.0 | 62.6/30.8 | 24.3 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 157,529.61 Cr | 342.68 | 17.60 | 213.72 | 0.60% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 688 | 701 | 774 | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 950 | 892 | 828 | 820 |
| Interest | 251 | 250 | 275 | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 456 |
| Expenses | 425 | 481 | 457 | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 | 665 |
| Financing Profit | 12 | -30 | 42 | 81 | 109 | 30 | -91 | -30 | -294 | -394 | -386 | -304 | -301 |
| Financing Margin % | 2% | -4% | 5% | 9% | 12% | 3% | -9% | -3% | -30% | -42% | -43% | -37% | -37% |
| Other Income | 65 | 81 | 94 | 93 | 79 | 120 | 150 | 115 | 40 | 112 | 145 | 195 | 145 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 77 | 51 | 136 | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 |
| Tax % | 25% | 27% | 26% | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% | -25% |
| Net Profit | 58 | 37 | 101 | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 |
| EPS in Rs | 1.28 | 0.83 | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 |
| Gross NPA % | 8.11% | 7.24% | 2.49% | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% |
| Net NPA % | 4.34% | 3.73% | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% |
Last Updated: December 27, 2025, 2:06 am
Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 456.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 450.00 Cr. (Jun 2025) to 456.00 Cr., marking an increase of 6.00 Cr..
- For Expenses, as of Sep 2025, the value is 665.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 682.00 Cr. (Jun 2025) to 665.00 Cr., marking a decrease of 17.00 Cr..
- For Other Income, as of Sep 2025, the value is 145.00 Cr.. The value appears to be declining and may need further review. It has decreased from 195.00 Cr. (Jun 2025) to 145.00 Cr., marking a decrease of 50.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -155.00 Cr.. The value appears to be declining and may need further review. It has decreased from -109.00 Cr. (Jun 2025) to -155.00 Cr., marking a decrease of 46.00 Cr..
- For Tax %, as of Sep 2025, the value is -25.00%. The value appears to be increasing, which may not be favorable. It has increased from -26.00% (Jun 2025) to -25.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is -116.00 Cr.. The value appears to be declining and may need further review. It has decreased from -81.00 Cr. (Jun 2025) to -116.00 Cr., marking a decrease of 35.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -2.25. The value appears to be declining and may need further review. It has decreased from -1.58 (Jun 2025) to -2.25, marking a decrease of 0.67.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:46 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,490 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,048 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,385 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -40% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 597 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -788 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -591 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -11.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 2600.00% | 233.33% | 111.11% | -44.74% | -47.62% | 449.09% | 41.06% | -222.30% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2366.67% | -122.22% | -155.85% | -2.88% | 496.71% | -408.03% | -263.36% |
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:26 pm
Balance Sheet
Last Updated: January 7, 2026, 5:25 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 1,233 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 22,894 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,113 |
| Other Liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 374 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
| Fixed Assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 435 |
| 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 | 6,396 |
| Other Assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 20,298 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
Below is a detailed analysis of the balance sheet data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 516.00 Cr.. The value appears strong and on an upward trend. It has increased from 515.00 Cr. (Mar 2025) to 516.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,233.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,434.00 Cr. (Mar 2025) to 1,233.00 Cr., marking a decrease of 201.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 374.00 Cr.. The value appears to be improving (decreasing). It has decreased from 547.00 Cr. (Mar 2025) to 374.00 Cr., marking a decrease of 173.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be improving (decreasing). It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 435.00 Cr.. The value appears strong and on an upward trend. It has increased from 237.00 Cr. (Mar 2025) to 435.00 Cr., marking an increase of 198.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 63.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 63.00 Cr..
- For Investments, as of Sep 2025, the value is 6,396.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,995.00 Cr. (Mar 2025) to 6,396.00 Cr., marking an increase of 401.00 Cr..
- For Other Assets, as of Sep 2025, the value is 20,298.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20,883.00 Cr. (Mar 2025) to 20,298.00 Cr., marking a decrease of 585.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -378.00 | 355.00 | 534.00 | 639.00 | 871.00 | -11.00 | -13.00 | -17.00 | -20.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 142,909 | 0.05 | 0.74 | 142,909 | 2025-04-22 15:56:50 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 |
| Diluted EPS (Rs.) | -10.12 | 8.94 | 6.71 | 1.22 | 2.46 |
| Cash EPS (Rs.) | -8.97 | 9.26 | 7.66 | 1.95 | 2.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Dividend / Share (Rs.) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 74.93 | 74.17 | 63.49 | 43.16 | 36.51 |
| Net Profit / Share (Rs.) | -10.12 | 8.27 | 6.73 | 1.22 | 2.34 |
| Interest Income / Employee (Rs.) | 3084840.26 | 6399240.49 | 5668770.36 | 4684678.82 | 4315469.37 |
| Net Profit / Employee (Rs.) | -416445.29 | 713202.11 | 600582.04 | 132170.49 | 277139.10 |
| Business / Employee (Rs.) | 32990664.54 | 63953268.31 | 56793714.74 | 59048725.67 | 45140709.97 |
| Interest Income / Branch (Rs.) | 49075222.36 | 50709519.26 | 40766557.14 | 33737834.78 | 29839509.09 |
| Net Profit / Branches (Rs.) | -6625025.41 | 5651629.48 | 4319042.86 | 951857.39 | 1916290.91 |
| Business / Branches (Rs.) | 524832426.94 | 506785062.42 | 408427942.86 | 425253518.26 | 312127490.91 |
| Net Profit Margin (%) | -13.49 | 11.14 | 10.59 | 2.82 | 6.42 |
| Operating Profit Margin (%) | -20.70 | 15.13 | 14.23 | 4.04 | 10.05 |
| Return On Assets (%) | -1.91 | 1.63 | 1.49 | 0.30 | 0.85 |
| Return On Equity / Networth (%) | -26.75 | 17.07 | 17.62 | 3.87 | 7.79 |
| Net Interest Margin (X) | 7.54 | 9.08 | 9.08 | 6.47 | 7.46 |
| Cost To Income (%) | 77.88 | 58.64 | 57.92 | 63.69 | 60.30 |
| Interest Income / Total Assets (%) | 14.21 | 14.63 | 14.11 | 10.95 | 13.30 |
| Non-Interest Income / Total Assets (%) | 1.71 | 1.69 | 1.42 | 1.17 | 1.02 |
| Operating Profit / Total Assets (%) | -3.63 | -0.06 | 0.07 | -0.86 | -0.16 |
| Operating Expenses / Total Assets (%) | 7.21 | 6.32 | 6.08 | 4.87 | 5.12 |
| Interest Expenses / Total Assets (%) | 6.66 | 5.55 | 5.03 | 4.47 | 5.83 |
| Enterprise Value (Rs.Cr.) | 24595.08 | 24515.80 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 6.37 | 6.42 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.64 | 1.12 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 0.32 | 0.73 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 106.91 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | -0.41 | 0.15 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
- For Cash EPS (Rs.), as of Mar 25, the value is -8.97. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -8.97, marking a decrease of 18.23.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.70, marking an increase of 0.70.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
- For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
- For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
- For Retention Ratios (%), as of Mar 25, the value is 106.91. This value exceeds the healthy maximum of 70. It has increased from 100.00 (Mar 24) to 106.91, marking an increase of 6.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
- Net Profit Margin: -13.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 17.6)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -13.49%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Building No.VII/83/8, Thrissur/Trichur Kerala 680651 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ravimohan Periyakavil Ramakrishnan | Non Exe. Ind. Part Time Chairman |
| Dr. Kadambelil Paul Thomas | Managing Director & CEO |
| Mr. George K John | Executive Director |
| Dr. Joseph Vadakkekara Antony | Non Executive Director |
| Mr. Biju Varkkey | Ind. Non-Executive Director |
| Mr. Ravi Venkatraman | Ind. Non-Executive Director |
| Mr. Vinod Vijayalekshmi Vasudevan | Ind. Non-Executive Director |
| Mr. Thomas Jacob Kalappila | Ind. Non-Executive Director |
| Mr. John Samuel | Non Exe. & Nominee Director |
| Mr. Ajayan Mangalath Gopalakrishnan Nair | Non Exe. & Nominee Director |
| Mrs. Kolasseril Chandramohanan Ranjani | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's intrinsic value (as of 23 January 2026) is ₹57.78 which is 97.20% higher the current market price of ₹29.30, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,509 Cr. market cap, FY2025-2026 high/low of ₹38.0/24.3, reserves of ₹1,233 Cr, and liabilities of ₹27,129 Cr.
What is the Market Cap of ESAF Small Finance Bank Ltd?
The Market Cap of ESAF Small Finance Bank Ltd is 1,509 Cr..
What is the current Stock Price of ESAF Small Finance Bank Ltd as on 23 January 2026?
The current stock price of ESAF Small Finance Bank Ltd as on 23 January 2026 is ₹29.3.
What is the High / Low of ESAF Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ESAF Small Finance Bank Ltd stocks is ₹38.0/24.3.
What is the Stock P/E of ESAF Small Finance Bank Ltd?
The Stock P/E of ESAF Small Finance Bank Ltd is .
What is the Book Value of ESAF Small Finance Bank Ltd?
The Book Value of ESAF Small Finance Bank Ltd is 33.9.
What is the Dividend Yield of ESAF Small Finance Bank Ltd?
The Dividend Yield of ESAF Small Finance Bank Ltd is 0.00 %.
What is the ROCE of ESAF Small Finance Bank Ltd?
The ROCE of ESAF Small Finance Bank Ltd is 4.28 %.
What is the ROE of ESAF Small Finance Bank Ltd?
The ROE of ESAF Small Finance Bank Ltd is 23.5 %.
What is the Face Value of ESAF Small Finance Bank Ltd?
The Face Value of ESAF Small Finance Bank Ltd is 10.0.