ESAF Small Finance Bank
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ESAF Small Finance Bank

26.99
-0.13
(-0.48%)
Market Cap
1,391.53 Cr
PE Ratio
-3.74
Volume
3,63,641.00
Day High - Low
27.35 - 26.71
52W High-Low
36.20 - 24.31
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Key Fundamentals
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Market Cap
1,391.53 Cr
EPS
-10.13
PE Ratio
-3.74
PB Ratio
0.80
Book Value
33.91
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
neutral
ESAF Small Finance Bank's board approved 2,03,194 ESOPs for Executive Director as variable pay, noted director retirement, and reconstituted board committees effective March 2026.
positive
ESAF Small Finance Bank reported a turnaround with PAT of INR 7 crores in Q3 FY26, while gross NPA declined to 5.60% and net NPA to 2.70%. The bank's secured portfolio reached 63% of total advances.
positive
ESAF Small Finance Bank reported a net profit of 71 million rupees in Q3, marking a significant turnaround from the 2.1 billion rupees loss in the same quarter last year.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
958.35
#1 71,582.24
31.46
1,446.00
19.10
#1 761
26.34
41.69
58.06
11,254.72
24.14
7,200.60
11.40
726
70.99
39.03
64.37
7,342.81
-111.85
#1 7,223.20
14.93
147
35.75
38.47
370.80
3,902.93
12.54
5,485.70
17.11
501
-91.24
44.53
13.83
2,461.08
-2.75
4,364.80
#1 21.96
24
-123.08
46.66
132.08
1,403.88
19.55
2,171.00
20.07
115
9.91
54.15
26.99
#7 1,391.53
#6 -3.74
#5 4,329.30
#8 1.62
#8 -521
#1 103.37
41.81
262.10
1,190.43
#1 8.73
994.50
15.32
132
1.18
48.18
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
4,189
Expenses
538
646
879
1,248
1,676
2,190
3,152
2,867
EBITDA
144
279
170
107
448
621
-634
-496
Operating Profit %
48 %
54 %
46 %
36 %
41 %
43 %
18 %
17 %
Depreciation
17
23
29
33
42
51
59
0
Interest
458
621
720
793
1,017
1,449
1,811
1,818
Profit Before Tax
127
256
141
74
406
570
-693
-496
Tax
37
66
36
19
104
145
-172
-123
Net Profit
90
190
105
55
302
426
-521
-373
EPS in ₹
2.37
4.45
2.46
1.22
6.73
8.96
-10.13
-7.20

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
Promoter
74.43 %
63.39 %
63.39 %
63.39 %
63.39 %
63.38 %
63.36 %
63.31 %
63.31 %
63.30 %
63.30 %
FIIs
0.00 %
0.00 %
0.00 %
0.81 %
0.12 %
0.15 %
0.16 %
0.27 %
0.17 %
0.16 %
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 %
Government
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 %
Others
25.57 %
15.40 %
16.81 %
14.47 %
14.75 %
15.13 %
15.26 %
15.24 %
14.87 %
14.81 %
14.57 %
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

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
30 Jan 2026 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
30 Jan 2026 29.28 27.64

Announcements

Intimation On Grant Of Stock Options Under ESAF Employee Stock Option Scheme 20197 hrs ago
Announcement under Regulation 30 (LODR)-Change in Directorate8 hrs ago
Board Meeting Outcome for Outcome Of The Board Meeting Held On February 27 2026.8 hrs ago
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 07, 2026
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Feb 04, 2026
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 03, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 02, 2026
Announcement under Regulation 30 (LODR)-Investor PresentationJan 31, 2026
Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 31, 2026
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 30, 2026
Unaudited Standalone Financial Results For The Quarter And Nine Months Ended December 31 2025.Jan 30, 2026
Board Meeting Outcome for Outcome Of The Board Meeting Held On January 30 2026Jan 30, 2026
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 28, 2026
Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results Of The Bank For The Quarter Ended December 31 2025.Jan 23, 2026
Announcement under Regulation 30 (LODR)-AllotmentJan 23, 2026
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 17, 2026
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 07, 2026
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJan 07, 2026
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jan 05, 2026
Key Business Updates For The Quarter Ended December 31 2025Jan 05, 2026
Announcement Under Regulation 30 Of SEBI LODR Regulations 2015Jan 03, 2026
Intimation On Sale Of NPA And Technically Written Off Loans To Asset Reconstruction Company (ARC)Dec 29, 2025
Closure of Trading WindowDec 23, 2025
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

Mutual Fund Holdings

Technical Indicators

RSI(14)
Neutral
42.98
ATR(14)
Less Volatile
0.97
STOCH(9,6)
Oversold
13.78
STOCH RSI(14)
Oversold
10.73
MACD(12,26)
Bearish
-0.21
ADX(14)
Weak Trend
16.07
UO(9)
Bearish
33.61
ROC(12)
Downtrend And Accelerating
-6.80
WillR(14)
Oversold
-83.82