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ESAF Small Finance Bank Ltd Financial Statements & Historical Data

Updated NSE: ESAFSFBBSE: 544020
Report details
Last Updated:
Author: |Social: XLinkedIn
COMPANY FINANCIAL DATA

Reported figures at a glance

Stored figures, not live quotes. Price record: 28 September 2026, 10:38 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price43.0₹ per share
Reported P/ENot availableTimes
Book value per share34.6₹ per share
Reported ROCE5.65 %%
Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

Stored market and accounting figures

Price record: 28 September 2026, 10:38 pm +05:30. Not a live quote.

MeasureStored figure
Market Cap2,224 Cr.
Current Price43.0
High / Low45.0/19.7
Stock P/ENot available
Book Value34.6
Dividend Yield0.00 %
ROCE5.65 %
ROE8.86 %
Face Value10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
ESAF Small Finance Bank Ltd 2,224 Cr. 43.0 45.0/19.7 34.60.00 %5.65 %8.86 % 10.0
Capital Small Finance Bank Ltd 1,279 Cr. 280 328/2078.49 3271.78 %7.07 %10.1 % 10.0
Dhanlaxmi Bank Ltd 1,110 Cr. 28.2 36.8/19.49.62 38.30.00 %5.81 %7.15 % 10.0
Fino Payments Bank Ltd 1,057 Cr. 127 339/11043.2 96.80.00 %4.41 %6.76 % 10.0
CSB Bank Ltd 5,620 Cr. 324 575/2958.46 2820.00 %7.05 %13.5 % 10.0
Industry Average144,828.83 Cr336.7719.83225.500.57%6.43%10.01%6.30

All Competitor Stocks of ESAF Small Finance Bank Ltd

FINANCIALS

Quarterly performance

Compare sales, expenses, operating profit and net profit on one chart, across the same reporting quarters.

Sales, expenses & profits

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue8999439741,0021,0229959488928288208949951,098
Interest 313347377411434456463458450448462477514
Expenses 505487567682619834881820682672693692725
Financing Profit8110930-91-30-294-396-386-304-301-260-174-141
Financing Margin %9%12%3%-9%-3%-30%-42%-43%-37%-37%-29%-18%-13%
Other Income 937912015011540114145195145269201248
Depreciation 0000000000000
Profit before tax 1741881505985-255-282-241-109-155927107
Tax % 25%26%25%26%26%-25%-25%-24%-26%-25%22%13%25%
Net Profit 1301401124363-190-211-183-81-11672480
EPS in Rs 2.893.122.180.841.22-3.69-4.09-3.55-1.58-2.250.140.461.55
Gross NPA %1.65%2.64%4.16%4.76%6.61%6.98%6.96%6.87%7.48%8.54%5.64%5.41%5.40%
Net NPA %0.81%1.19%2.19%2.26%3.22%2.98%2.97%2.99%3.77%3.83%2.73%1.77%0.83%

Last Updated: September 29, 2026, 6:52 am

FINANCIALS

Annual performance

Compare sales, expenses, operating profit and net profit across financial years. Trailing figures remain in the table.

Sales, expenses & profits

₹ crore

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All reported periods

Earnings per share

₹ per share

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: September 26, 2026, 10:33 pm

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue295971,0321,4131,6411,9402,8543,8193,8583,5373,807
Interest 163154586217207931,0171,4491,8111,8371,901
Expenses 313575386468791,2481,6762,1903,1522,6742,782
Financing Profit-18-753514643-101160180-1,105-974-876
Financing Margin %-61%-13%3%10%3%-5%6%5%-29%-28%-23%
Other Income 19102109133127208288442472811864
Depreciation 0017232933425159650
Profit before tax 12712725614174406570-693-228-12
Tax % 0%0%29%26%25%26%26%25%-25%-27%
Net Profit 1279019010555302426-521-166-5
EPS in Rs 0.030.872.114.452.341.226.738.27-10.12-3.23-0.10
Dividend Payout % 0%0%0%0%0%0%0%8%0%0%

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-20252025-2026
YoY Net Profit Growth (%)2600.00%233.33%111.11%-44.74%-47.62%449.09%41.06%-222.30%68.14%
Change in YoY Net Profit Growth (%)0.00%-2366.67%-122.22%-155.85%-2.88%496.71%-408.03%-263.36%290.44%

ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2017-2018 to 2025-2026.

Growth

Last Updated: September 5, 2025, 3:26 pm

FINANCIALS

Balance sheet

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Reserves & borrowings

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: August 17, 2026, 1:00 am

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 302312428428449449449515515516
Reserves 4314666569039621,2661,9771,4341,271
Deposits4092,5234,3177,0288,99912,81514,66619,86823,27625,850
Borrowing2,0531,6751,7021,2031,6942,9533,3543,2231,4062,753
Other Liabilities 227183145154293528489505547479
Total Liabilities 2,9944,7247,0589,47012,33917,70820,22426,08727,17830,868
Fixed Assets 336986116133159188205237226
CWIP 0044600363290
Investments 5797321,5311,7341,9324,0704,8895,5415,9956,399
Other Assets 2,3823,9245,4387,61610,26813,47815,14720,33820,88323,953
Total Assets 2,9944,7247,0589,47012,33917,70820,22426,08727,17830,868
FINANCIALS

Cash generation

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Operating & free cash flow

₹ crore

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Cash Flows

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -2391,0891,127-584-5711,0013,176
Cash from Investing Activity + -171-635-638-982-573-583-769
Cash from Financing Activity + 488-4996531,259399235-1,852
Net Cash Flow 78-451,143-308-745654556
Free Cash Flow -2771,0361,078-638-6419303,024
CFO/OP -40%152%162%-82%-43%71%448%
Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
PeriodMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Free Cash FlowN/AN/A-277.001,036.001,078.00-638.00-641.00930.003,024.00N/A

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

Financial efficiency feed. Source: www.screener.in. Check the source for the accounting basis. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Financial & business efficiency

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Returns on capital & equity

%

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Financial Efficiency Data Table

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

Ownership trends

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Shareholding comparison

%

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All reported periods

Shareholder count

Shareholders

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Shareholding Pattern

MonthDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 63.39%63.39%63.39%63.38%63.36%63.31%63.31%63.30%63.29%63.28%63.25%
FIIs 1.16%0.81%0.12%0.15%0.16%0.27%0.16%0.16%0.01%0.01%0.31%
DIIs 10.98%10.26%8.90%5.56%5.02%5.00%5.00%5.00%4.97%4.63%3.80%
Public 24.48%25.53%27.57%30.92%31.45%31.41%31.51%31.53%31.74%32.08%32.63%
No. of Shareholders 94,7131,02,1241,07,4131,15,8181,18,5121,16,9121,16,4901,13,9551,11,6911,09,2461,07,631
Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Motilal Oswal Nifty Microcap 250 Index Fund 142,909 0.05 0.74142,9092025-04-22 15:56:500%

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Ratios from the alternate data feed

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Profitability ratios

%

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All reported periods
Supporting financial tableAll reported figures · use a chart icon for peer comparison

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) -10.138.966.731.222.46
Diluted EPS (Rs.) -10.128.946.711.222.46
Cash EPS (Rs.) -8.979.267.661.952.98
Book Value[Excl.RevalReserv]/Share (Rs.) 37.8148.4138.1631.4130.08
Book Value[Incl.RevalReserv]/Share (Rs.) 37.8148.4138.1631.4130.08
Dividend / Share (Rs.) 0.700.000.000.000.00
Operating Revenue / Share (Rs.)74.9374.1763.4943.1636.51
Net Profit / Share (Rs.) -10.128.276.731.222.34
Interest Income / Employee (Rs.)3084840.266399240.495668770.364684678.824315469.37
Net Profit / Employee (Rs.)-416445.29713202.11600582.04132170.49277139.10
Business / Employee (Rs.)32990664.5463953268.3156793714.7459048725.6745140709.97
Interest Income / Branch (Rs.)49075222.3650709519.2640766557.1433737834.7829839509.09
Net Profit / Branches (Rs.)-6625025.415651629.484319042.86951857.391916290.91
Business / Branches (Rs.)524832426.94506785062.42408427942.86425253518.26312127490.91
Net Profit Margin (%) -13.4911.1410.592.826.42
Operating Profit Margin (%)-20.7015.1314.234.0410.05
Return On Assets (%) -1.911.631.490.300.85
Return On Equity / Networth (%)-26.7517.0717.623.877.79
Net Interest Margin (X)7.549.089.086.477.46
Cost To Income (%)77.8858.6457.9263.6960.30
Interest Income / Total Assets (%)14.2114.6314.1110.9513.30
Non-Interest Income / Total Assets (%)1.711.691.421.171.02
Operating Profit / Total Assets (%)-3.63-0.060.07-0.86-0.16
Operating Expenses / Total Assets (%)7.216.326.084.875.12
Interest Expenses / Total Assets (%)6.665.555.034.475.83
Enterprise Value (Rs.Cr.)24595.0824515.800.000.000.00
EV Per Net Sales (X)6.376.420.000.000.00
Price To Book Value (X)0.641.120.000.000.00
Price To Sales (X)0.320.730.000.000.00
Retention Ratios (%) 106.91100.00100.00100.00100.00
Earnings Yield (X)-0.410.150.000.000.00
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