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Banking And Finance | Small Cap
Health Score : 4.88ESAF Small Finance Bank shows mixed financial results. The bank is very liquid, meaning it can easily meet its short-term obligations. However, it relies heavily on debt, which could be a concern. The bank is efficient at using its fixed assets, but struggles with managing inventory and capital. Revenue and asset growth are strong, but profit growth is weak. Its ability to cover interest expenses is also limited. The bank's earnings per share are negative, and it spends a lot on capital expenditures. While the return on capital employed is good, other profitability measures are poor. Overall, the bank has some strengths, particularly in liquidity and asset use, but needs to address its debt levels and improve profitability.
Health Score : 4.88ESAF Small Finance Bank shows mixed financial results. The bank is very liquid, meaning it can easily meet its short-term obligations. However, it relies heavily on debt, which could be a concern. The bank is efficient at using its fixed assets, but struggles with managing inventory and capital. Revenue and asset growth are strong, but profit growth is weak. Its ability to cover interest expenses is also limited. The bank's earnings per share are negative, and it spends a lot on capital expenditures. While the return on capital employed is good, other profitability measures are poor. Overall, the bank has some strengths, particularly in liquidity and asset use, but needs to address its debt levels and improve profitability.
Overall Valuation Score
Markets Depth NSE
Buy Orders
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Quantity
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No buy depth
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0
0
Sell Orders
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Orders
No sell depth
Total
0
0
Markets Today NSE
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0.00
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0.00
Open
0.00
Close
0.00
Prev Close
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Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
-12.34
Industry Median
19.54
Small Cap Median
18.48
P/E RATIO
-12.34
P/B RATIO
1.16
Industry Median
1.30
Small Cap Median
1.30
P/S RATIO
0.59
Industry Median
1.50
Small Cap Median
1.38
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.32
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹39.85 as on Aug 10, 2026.
Growth Score : 4.80The company demonstrates strong growth in revenue and assets, but faces challenges in profit growth. While revenue growth is a positive sign, the negative operating profit, EPS, and net income growth raise concerns about profitability. Addressing the factors affecting profit growth is critical for sustainable expansion. Balancing growth with improved profitability will be essential for long-term success.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 18.22 | 47.11 | 33.81 | 1.13 | -8.42 |
| Operating Profit Growth Rate | -334.88 | 258.42 | 12.5 | -711.67 | 5.63 |
| Earnings Per Share (EPS) Growth | -47.86 | 451.64 | 22.88 | -222.37 | 68.08 |
| Asset Growth Rate | 43.51 | 14.21 | 28.99 | 4.18 | 13.58 |
| Net Income Growth Rate | -47.62 | 449.09 | 41.06 | -222.3 | 68.14 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 3 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 4 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤30th Apr 26
Audited Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
ESAF Small Finance Bank Ltd. is a leading Indian bank committed to financial inclusion, serving unserved and underserved segments. It offers a comprehensive suite of banking and financial services, including microfinance, retail and corporate banking products, catering primarily to semi-urban and rural customers across multiple states.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. ESAF Small Finance Bank Ltd's P/E ratio (TTM) is -12.34, compared to the industry median of 19.54 and large cap median of 18.48.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. ESAF Small Finance Bank Ltd's P/B ratio is 1.16, compared to the industry median of 1.30 and large cap median of 1.30.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. ESAF Small Finance Bank Ltd's P/S ratio is 0.59, compared to the industry median of 1.50 and large cap median of 1.38.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. ESAF Small Finance Bank Ltd's PEG ratio is 0.81.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. ESAF Small Finance Bank Ltd's EV/EBITDA ratio is 2.32.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. ESAF Small Finance Bank Ltd's ROE is -9.33%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. ESAF Small Finance Bank Ltd's ROA is -3.37%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. ESAF Small Finance Bank Ltd's ROCE is 90.39%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. ESAF Small Finance Bank Ltd's operating margin is -29.38%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. ESAF Small Finance Bank Ltd's net margin is -4.69%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. ESAF Small Finance Bank Ltd's current ratio is 49.39.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. ESAF Small Finance Bank Ltd's debt-to-equity ratio is 15.67.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. ESAF Small Finance Bank Ltd's interest coverage ratio is 0.88.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. ESAF Small Finance Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. ESAF Small Finance Bank Ltd's EPS is 68.08.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹39.85. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2017 (as Small Finance Bank, originally ESAF Microfinance and Investments Pvt. Ltd. in 1992)
Headquarters: Thrissur, Kerala
Core Offerings: Microfinance Loans, Retail Loans (housing, vehicle, gold), Savings Accounts, Fixed Deposits, Digital Banking
Stock Listing: NSE (ESAFSFB), BSE (544020)
Promoter: ESAF Financial Holdings Private Limited
ESAF began as a not-for-profit NGO in 1992, transitioning to ESAF Microfinance and Investments Pvt. Ltd. in 2008. It received an 'in-principle' approval from RBI to convert into a Small Finance Bank in 2016, commencing operations as ESAF Small Finance Bank in March 2017. The bank successfully launched its Initial Public Offering (IPO) in November 2023.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | 88.08% (Income from Operations) | PBT: ₹431.13 Cr (FY23) |
| Wholesale Banking | 0.56% (Income from Operations) | PBT: ₹(2.05) Cr (FY23) |
| Treasury | 5.29% (Income from Operations) | PBT: ₹142.14 Cr (FY23) |
| Other Banking Operations | 6.07% (Income from Operations) | PBT: ₹67.79 Cr (FY23) |
Retail Banking: Encompasses services to individual customers, including microfinance, housing loans, vehicle loans, gold loans, savings accounts, current accounts, and fixed deposits. It forms the bulk of the bank's operations, focusing on financial inclusion.
Wholesale Banking: Caters to corporate clients and other institutional entities, providing credit and other banking services, though it's a smaller segment for ESAF SFB.
Treasury: Manages the bank's investment portfolio, liquidity, and asset-liability management, including investments in government securities and other money market instruments.
Other Banking Operations: Includes operations like bancassurance, digital banking initiatives, and other fee-based services.
C. V. George - MD & CEO: Founder of ESAF, he has been instrumental in the organization's growth from an NGO to a prominent Small Finance Bank, with extensive experience in microfinance and development.
No major subsidiaries reported.
Initial Public Offering (IPO) in November 2023.
The ESAF Small Finance Bank Ltd share price today is ₹39.85 on NSE (ESAFSFB), as of 28 Sept 2026.
As of 28 Sept 2026, ESAF Small Finance Bank Ltd share price is ₹39.85, with previous close ₹39.85. Today's range is ₹39.85 to ₹39.85. The 52-week range is ₹N/A to ₹N/A.
As of today, ESAF Small Finance Bank Ltd's market cap is ₹2,096.11 crore (Small Cap).
ESAF Small Finance Bank Ltd's current P/E ratio is -12.34, compared to the BANKING AND FINANCE sector average of 15.
ESAF Small Finance Bank Ltd's current P/B ratio is 1.16.
ESAF Small Finance Bank Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
ESAF Small Finance Bank Ltd's EPS (TTM) is ₹68.08.
ESAF Small Finance Bank Ltd. is a leading Indian bank committed to financial inclusion, serving unserved and underserved segments. It offers a comprehensive suite of banking and financial services, including microfinance, retail and corporate banking products, catering primarily to semi-urban and rural customers across multiple states.
ESAF Small Finance Bank Ltd is promoted by ESAF Financial Holdings Private Limited, holding 63.28% as of 28 Sept 2026.
ESAF Small Finance Bank Ltd is listed on NSE (ESAFSFB) and BSE (544020). Its next quarterly results are expected on August 2024.