| Annual Financials | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
Revenue  | 1,141 | 1,546 | 1,768 | 2,148 | 3,142 | 4,260 | 4,329 | 3,537 |
| Expenses | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 2,739 |
| EBITDA | 144 | 279 | 170 | 107 | 448 | 621 | -634 | 0 |
| Operating Profit % | 48 % | 54 % | 46 % | 36 % | 41 % | 43 % | 18 % | 23 % |
| Depreciation | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Interest | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,837 |
| Profit Before Tax | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -228 |
| Tax | 37 | 66 | 36 | 19 | 104 | 145 | -172 | -62 |
| Net Profit | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -166 |
| EPS in ₹ | 2.37 | 4.45 | 2.46 | 1.22 | 6.73 | 8.96 | -10.13 | -3.23 |
ESAF Small Finance Bank
ESAF Small Finance Bank
27.60
-0.32
(-1.15%)
Market Cap
1,423.23 Cr
PE Ratio
-8.64
Volume
6,82,166.00
Day High - Low
27.82 - 26.95
52W High-Low
36.20 - 19.78
Q3 Quarterly Results are out. Check out the updated financials2 days ago
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Key Fundamentals
Market Cap
1,423.23 Cr
EPS
-3.23
PE Ratio
-8.64
PB Ratio
0.81
Book Value
34.52
EBITDA
0.00
Dividend Yield
0.00 %
Industry
Banks Sector
Small Finance Bank Return on Equity
-26.75
Debt to Equity
0.00
Actual
Company News
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ESAF Small Finance Bank reports Q4 FY26 PAT of ₹24 crore, GNPA improves to 5.4%, total business at ₹48,276 crore with 15% YoY growth.
ESAF Small Finance Bank uploaded the audio recording of its Q4 FY26 earnings conference call held on May 04, 2026, to its website, alongside its strong Q4 turnaround with ₹235 crore net profit.
ESAF Small Finance Bank reclassified three Key Managerial Personnel to Senior Management Personnel effective May 1, 2026, including Executive VP Retail Banking, Chief Risk Officer, and Head of Internal Audit.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
974.00 | #1 72,877.07 | 27.55 | 1,446.00 | #1 19.10 | #1 761 | 65.16 | 44.02 | |
53.53 | 10,399.35 | 15.20 | #1 6,931.45 | -3.74 | 693 | 238.13 | 36.26 | |
68.04 | 7,763.66 | 75.57 | 6,794.24 | -5.94 | 103 | #1 405.23 | 54.08 | |
453.25 | 4,772.51 | 14.62 | 5,352.87 | -2.42 | 326 | 13.20 | 51.95 | |
13.28 | 2,363.21 | -2.05 | 3,378.78 | -22.59 | -1,151 | -6,366.67 | 43.24 | |
160.95 | 1,710.73 | 11.37 | 2,160.29 | -0.49 | 152 | 247.04 | 55.19 | |
27.60 | #7 1,423.23 | #7 -8.64 | #4 3,537.18 | #7 -18.30 | #7 -166 | #4 112.83 | 53.60 | |
281.10 | 1,276.72 | #1 8.94 | 1,048.60 | 5.44 | 141 | 17.25 | 59.15 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
-18.30 %
Net Income Growth
-68.09 %
Cash Flow Change
217.34 %
ROE
-256.62 %
ROCE
-46.90 %
EBITDA Margin (Avg.)
-32.51 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
| Fixed Assets | 86 | 116 | 133 | 159 | 188 | 205 | 237 |
| Current Assets | 884 | 1,057 | 2,065 | 1,776 | 1,185 | 1,999 | 2,637 |
| Capital Work in Progress | 4 | 4 | 6 | 0 | 0 | 3 | 63 |
| Investments | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 |
| Other Assets | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 |
| Total Equity & Liabilities | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 |
| Current Liabilities | 145 | 154 | 293 | 528 | 489 | 505 | 547 |
| Non Current Liabilities | 6,913 | 9,316 | 12,046 | 17,180 | 19,735 | 25,582 | 26,631 |
| Total Equity | 894 | 1,084 | 1,352 | 1,412 | 1,715 | 2,492 | 1,949 |
| Reserve & Surplus | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 |
| Share Capital | 428 | 428 | 450 | 450 | 450 | 515 | 515 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 78 | -45 | 1,143 | -308 | -745 | 654 | 556 |
| Investing Activities | -171 | -635 | -638 | -982 | -573 | -583 | -769 |
| Operating Activities | -239 | 1,089 | 1,127 | -585 | -571 | 1,001 | 3,176 |
| Financing Activities | 488 | -499 | 653 | 1,259 | 399 | 235 | -1,852 |
Share Holding
| % Holding | Jul 2021 | Nov 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
| Promoter | 74.43 % | 63.39 % | 63.39 % | 63.39 % | 63.39 % | 63.38 % | 63.36 % | 63.31 % | 63.31 % | 63.30 % | 63.30 % | 63.28 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.81 % | 0.12 % | 0.15 % | 0.16 % | 0.27 % | 0.17 % | 0.16 % | 0.01 % | 0.01 % |
| DIIs | 0.00 % | 13.13 % | 10.27 % | 10.26 % | 8.90 % | 5.56 % | 5.03 % | 5.00 % | 5.00 % | 5.00 % | 4.97 % | 4.63 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 8.08 % | 9.53 % | 11.06 % | 12.84 % | 15.78 % | 16.19 % | 16.17 % | 16.65 % | 16.72 % | 17.16 % | 17.54 % |
| Others | 25.57 % | 15.40 % | 16.81 % | 14.47 % | 14.75 % | 15.13 % | 15.26 % | 15.24 % | 14.87 % | 14.81 % | 14.57 % | 14.54 % |
| No of Share Holders | 85 | 1,10,769 | 94,713 | 1,02,124 | 1,07,413 | 1,15,818 | 1,18,512 | 1,16,912 | 1,16,490 | 1,13,955 | 1,11,691 | 1,09,246 |
Dividend History
| Annual Cash Flows | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.7 | 0.00 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.85 | 0.00 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 29 Dec 2023 |  Annual General Meeting | NA | 29 Dec 2023 | 69.00 | 68.88 |
| 07 Aug 2024 |  Dividend | ₹ 0.70 /share | 07 Aug 2024 | 60.40 | 49.97 |
| 14 Aug 2024 | Annual General Meeting | NA | 14 Aug 2024 | 52.25 | 50.96 |
| 13 Nov 2024 |  Quarterly Result Announcement | NA | 13 Nov 2024 | 44.30 | 42.91 |
| 10 Feb 2025 | Quarterly Result Announcement | NA | 10 Feb 2025 | 37.15 | 36.27 |
| 16 May 2025 | Quarterly Result Announcement | NA | 16 May 2025 | 28.53 | 31.02 |
| 08 Aug 2025 | Quarterly Result Announcement | NA | 08 Aug 2025 | 31.14 | 31.39 |
| 24 Sept 2025 | Annual General Meeting | NA | 24 Sept 2025 | 29.47 | 29.33 |
| 11 Nov 2025 | Quarterly Result Announcement | NA | 11 Nov 2025 | 27.98 | 28.06 |
| 30 Jan 2026 | Quarterly Result Announcement | NA | 30 Jan 2026 | 29.28 | 27.64 |
| 30 Apr 2026 | Quarterly Result Announcement | NA | 30 Apr 2026 | 23.90 | 25.87 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
May 08, 2026
May 08, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 04, 2026
May 04, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 01, 2026
May 01, 2026Announcement under Regulation 30 (LODR)-Investor PresentationMay 01, 2026
May 01, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 30, 2026
Apr 30, 2026Announcement under Regulation 30 (LODR)-Change in ManagementApr 30, 2026
Apr 30, 2026Announcement under Regulation 30 (LODR)-Change in DirectorateApr 30, 2026
Apr 30, 2026Outcome Of The Board Meeting Held On April 30 2026Apr 30, 2026
Apr 30, 2026Audited Standalone Financial Results For The Quarter And Financial Year Ended March 31 2026.Apr 30, 2026
Apr 30, 2026Board Meeting Outcome for Outcome Of Board Meeting - Audited Standalone Financial Results For The Quarter And Financial Year Ended March 31 2026.Apr 30, 2026
Apr 30, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 28, 2026
Apr 28, 2026Board Meeting Intimation for Considering And Approving The Audited Standalone Financial Results Of The Bank For The Quarter And Financial Year Ended March 31 2026.Apr 24, 2026
Apr 24, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSApr 13, 2026
Apr 13, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 06, 2026
Apr 06, 2026Key Business Updates For The Quarter Ended March 31 2026Apr 04, 2026
Apr 04, 2026Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Apr 01, 2026
Apr 01, 2026Announcement under Regulation 30 (LODR)-Change in ManagementMar 31, 2026
Mar 31, 2026Closure of Trading WindowMar 23, 2026
Mar 23, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 08, 2026
Mar 08, 2026Intimation On Grant Of Stock Options Under ESAF Employee Stock Option Scheme 2019Feb 27, 2026
Feb 27, 2026Announcement under Regulation 30 (LODR)-Change in DirectorateFeb 27, 2026
Feb 27, 2026Board Meeting Outcome for Outcome Of The Board Meeting Held On February 27 2026.Feb 27, 2026
Feb 27, 2026Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 07, 2026
Feb 07, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Feb 04, 2026
Feb 04, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 03, 2026
Feb 03, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 02, 2026
Feb 02, 2026Announcement under Regulation 30 (LODR)-Investor PresentationJan 31, 2026
Jan 31, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 31, 2026
Jan 31, 2026Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 30, 2026
Jan 30, 2026Unaudited Standalone Financial Results For The Quarter And Nine Months Ended December 31 2025.Jan 30, 2026
Jan 30, 2026Board Meeting Outcome for Outcome Of The Board Meeting Held On January 30 2026Jan 30, 2026
Jan 30, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 28, 2026
Jan 28, 2026Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results Of The Bank For The Quarter Ended December 31 2025.Jan 23, 2026
Jan 23, 2026Announcement under Regulation 30 (LODR)-AllotmentJan 23, 2026
Jan 23, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 17, 2026
Jan 17, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 07, 2026
Jan 07, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJan 07, 2026
Jan 07, 2026Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 05, 2026
Jan 05, 2026Key Business Updates For The Quarter Ended December 31 2025Jan 05, 2026
Jan 05, 2026Announcement Under Regulation 30 Of SEBI LODR Regulations 2015Jan 03, 2026
Jan 03, 2026Intimation On Sale Of NPA And Technically Written Off Loans To Asset Reconstruction Company (ARC)Dec 29, 2025
Dec 29, 2025Closure of Trading WindowDec 23, 2025
Dec 23, 2025Receipt Of Communication From Reserve Bank Of India Regarding The Revised Scheme Of Arrangement Submitted By The Promoter Company Of The BankDec 19, 2025
Dec 19, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotDec 12, 2025
Dec 12, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateDec 12, 2025
Dec 12, 2025Board Meeting Outcome for Outcome Of The Board Meeting Held On December 12 2025Dec 12, 2025
Dec 12, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Dec 04, 2025
Dec 04, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSDec 01, 2025
Dec 01, 2025Receipt Of Communication From Promoter Company Regarding Revised Scheme Of Arrangement.
Nov 24, 2025
Nov 24, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 18, 2025
Nov 18, 2025Mutual Fund Holdings
| Funding House | Current Holding % | 1M Change | 1M Change % | 3M Change % | Last 6M Trend |
|---|---|---|---|---|---|
 Motilal Oswal BSE 1000 Index Fund Direct-Growth | 0.00% | 0 | 0.00% | 0.00% |
Technical Indicators
RSI(14)
Neutral 55.37
ATR(14)
Less Volatile 1.39
STOCH(9,6)
Neutral 48.82
STOCH RSI(14)
Oversold 9.88
MACD(12,26)
Bullish 0.05
ADX(14)
Strong Trend 39.12
UO(9)
Bearish 45.67
ROC(12)
Uptrend But Slowing Down 5.76
WillR(14)
Neutral -59.11
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