ESAF Small Finance Bank
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ESAF Small Finance Bank

26.65
+0.20
(0.76%)
Market Cap
₹1,374.00 Cr
PE Ratio
-2.31
Volume
3,71,914.00
Day High - Low
₹27.10 - ₹26.28
52W High-Low
₹42.99 - ₹24.31
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Key Fundamentals
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Market Cap
1,374.00 Cr
EPS
-10.13
PB Ratio
0.78
Book Value
33.92
EBITDA
-633.70
Dividend Yield
0.00 %
Industry
Banks
Return on Equity
-26.75
Debt to Equity
0.00
Forecast For
Actual

Company News

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Caret
positive
ESAF Small Finance Bank completed sale of non-performing assets worth ₹1,693.65 crore to asset reconstruction companies for ₹183.18 crore consideration through Swiss Challenge Method.
neutral
ESAF Small Finance Bank has completed the sale of a loan portfolio worth ₹1,694.00 crores for ₹183.00 crores, representing a significant portfolio divestment transaction for the small finance bank.
positive
ESAF Small Finance Bank has approved the sale of non-performing assets and written-off loans to an asset reconstruction company for up to ₹17 billion to strengthen its balance sheet.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
994.50
#1 74,282.40
34.23
1,446.00
19.10
#1 761
-1.80
66.53
52.99
10,271.92
24.17
7,200.60
11.40
726
-47.77
49.41
62.99
7,185.39
-76.28
#1 7,223.20
14.93
147
#1 86.82
60.07
425.30
4,476.59
10.73
5,485.70
17.11
501
-22.44
42.76
14.82
2,637.25
-3.43
4,364.80
#1 21.96
24
-778.02
40.66
140.85
1,497.09
22.74
2,171.00
20.07
115
-33.04
53.25
26.65
#7 1,374.00
#6 -2.31
#5 4,329.30
#8 1.62
#8 -521
#2 39.08
53.48
263.55
1,197.01
#1 8.76
994.50
15.32
132
4.80
43.00

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Growth Rate
Revenue Growth
1.62 %
Net Income Growth
-222.51 %
Cash Flow Change
217.34 %
ROE
-256.62 %
ROCE
-46.90 %
EBITDA Margin (Avg.)
-44.04 %

Yearly Financial Results

Annual Financials
2019
2020
2021
2022
2023
2024
2025
TTM
Revenue
1,141
1,546
1,768
2,148
3,142
4,260
4,329
4,087
Expenses
538
646
879
1,248
1,676
2,190
3,152
3,048
EBITDA
144
279
170
107
448
621
-634
-788
Operating Profit %
48 %
54 %
46 %
36 %
41 %
43 %
18 %
13 %
Depreciation
17
23
29
33
42
51
59
0
Interest
458
621
720
793
1,017
1,449
1,811
1,827
Profit Before Tax
127
256
141
74
406
570
-693
-788
Tax
37
66
36
19
104
145
-172
-197
Net Profit
90
190
105
55
302
426
-521
-591
EPS in ₹
2.37
4.45
2.46
1.22
6.73
8.96
-10.13
-11.50

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 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
Promoter
74.43 %
63.39 %
63.39 %
63.39 %
63.39 %
63.38 %
63.36 %
63.31 %
63.31 %
63.30 %
FIIs
0.00 %
0.00 %
0.00 %
0.81 %
0.12 %
0.15 %
0.16 %
0.27 %
0.17 %
0.16 %
DIIs
0.00 %
13.13 %
10.27 %
10.26 %
8.90 %
5.56 %
5.03 %
5.00 %
5.00 %
5.00 %
Government
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 %
Others
25.57 %
15.40 %
16.81 %
14.47 %
14.75 %
15.13 %
15.26 %
15.24 %
14.87 %
14.81 %
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

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 Annual General Meeting
NA
29 Dec 2023 69.00 68.88
07 Aug 2024 DIVIDEND Dividend
₹ 0.70 /share
07 Aug 2024 60.40 49.97
14 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
14 Aug 2024 52.25 50.96
13 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Nov 2024 44.30 42.91
10 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
10 Feb 2025 37.15 36.27
16 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
16 May 2025 28.53 31.02
08 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
08 Aug 2025 31.14 31.39
24 Sept 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
24 Sept 2025 29.47 29.33
11 Nov 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
11 Nov 2025 27.98 28.06

Announcements

Intimation On Sale Of NPA And Technically Written Off Loans To Asset Reconstruction Company (ARC)2 days ago
Closure of Trading Window8 days ago
Receipt Of Communication From Reserve Bank Of India Regarding The Revised Scheme Of Arrangement Submitted By The Promoter Company Of The BankDec 19, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotDec 12, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateDec 12, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On December 12 2025Dec 12, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Dec 04, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSDec 01, 2025
Receipt Of Communication From Promoter Company Regarding Revised Scheme Of Arrangement. Nov 24, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 18, 2025
Intimation On The Upgrading Of ESG Rating To Careedge-ESG 1 By Careedge ESG RatingsNov 15, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 14, 2025
Clarification W.R.T Audio Recording Uploaded Towards Q2FY26 Earnings Call Dated November 12 2025Nov 13, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 13, 2025
Shareholder Meeting / Postal Ballot-Notice of Postal BallotNov 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 12, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 12, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 11, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationNov 11, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateNov 11, 2025
Unaudited Standalone Financial Results For The Quarter And Half Year Ended September 30 2025Nov 11, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On November 11 2025Nov 11, 2025
Announcement under Regulation 30 (LODR)-AllotmentNov 10, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 06, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 05, 2025
Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results For The Quarter Ended September 30 2025.Nov 04, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Nov 04, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On November 3 2025Nov 03, 2025
Board Meeting Intimation for Considering The Proposal To Raise Funds By Way Of Issuance Of Non-Convertible Debentures (Tier II Bonds) On Preferential Basis Through Private Placement.Oct 29, 2025
Receipt Of Communication From RBI On The Scheme Of Arrangement Between The Promoter Company And Its Identified ShareholdersOct 28, 2025
Reg. 34 (1) Annual Report.Oct 23, 2025
Intimation On Receipt Of Reserve Bank Of India Approval For Appointment Of Shri. Karthikeyan M (DIN: 09450145) As Part Time Chairman Of The BankOct 18, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 17, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 13, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 08, 2025
Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Oct 07, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Oct 04, 2025
Key Business Updates For The Quarter Ended September 30 2025Oct 04, 2025
Closure of Trading WindowSep 26, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 24, 2025
Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/sSep 24, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateSep 24, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportSep 24, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMSep 24, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 20, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementSep 20, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On September 20 2025Sep 20, 2025
Closure of Trading WindowSep 15, 2025
Board Meeting Intimation for Considering And Approving Proposal Of Raising Tier I Capital By Way Of Issuance Of Equity Shares Or Any Other Eligible Securities Through Permissible Modes As May Be Permitted Under Applicable Laws.Sep 15, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 09, 2025

Mutual Fund Holdings

Technical Indicators

RSI(14)
Neutral
51.31
ATR(14)
Less Volatile
0.82
STOCH(9,6)
Neutral
49.45
STOCH RSI(14)
Overbought
86.15
MACD(12,26)
Bullish
0.14
ADX(14)
Weak Trend
22.98
UO(9)
Bearish
43.09
ROC(12)
Uptrend And Accelerating
3.89
WillR(14)
Neutral
-39.42