ESAF Small Finance Bank

ESAF Small Finance Bank

31.21
+0.06
(0.19%)
Market Cap
1,608.60 Cr
EPS
-10.13
PE Ratio
19.65
Dividend Yield
0.00 %
Industry
Banks
52 Week High
53.15
52 Week Low
24.31
PB Ratio
0.83
Debt to Equity
0.00
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%

Company News

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Caret
neutral
ESAF Small Finance Bank Schedules Board Meeting on August 8 to Approve Quarterly Financial Results1 day ago
ESAF Small Finance Bank has scheduled a Board of Directors meeting on August 8, 2025 to consider and approve the unaudited standalone financial results for the quarter ended June 30, 2025. The trading window for designated persons and their immediate relatives has been closed from July 1, 2025 until August 10, 2025, which is 48 hours after the declaration of results. The bank trades on BSE with scrip code 544020 and on NSE with symbol ESAFSFB.
Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
741.05
#1 55,204.70
25.30
1,446.00
19.10
#1 761
#1 15.58
40.26
43.22
8,364.00
15.85
#1 7,200.60
11.40
726
-65.73
33.54
57.05
6,505.40
44.27
6,311.73
30.09
147
-79.72
26.00
460.10
4,839.20
11.19
4,709.79
26.60
501
-40.27
40.16
21.91
2,413.60
99.59
3,764.93
27.62
24
-98.12
31.99
31.21
#6 1,608.60
#5 19.65
#4 3,862.22
#2 35.61
#8 -521
#8 -523.09
38.90
303.70
1,374.10
#1 10.28
994.50
15.32
132
6.67
53.40
127.80
1,358.30
16.94
1,953.75
#1 41.14
115
-49.64
34.96
Forecast
Actual
Growth Rate
Revenue Growth
35.61 %
Net Income Growth
40.79 %
Cash Flow Change
275.39 %
ROE
-3.12 %
ROCE
9.94 %
EBITDA Margin (Avg.)
4.18 %

Yearly Financial Results

Annual Financials
2019
2020
2021
2022
2023
2024
2025
Revenue
1,141
1,546
1,768
2,148
3,142
4,260
3,862
Expenses
538
646
879
1,248
1,676
2,190
3,212
EBITDA
144
279
170
107
448
621
0
Operating Profit %
48 %
54 %
46 %
36 %
41 %
43 %
17 %
Depreciation
17
23
29
33
42
51
0
Interest
458
621
720
793
1,017
1,449
1,811
Profit Before Tax
127
256
141
74
406
570
-693
Tax
37
66
36
19
104
145
-172
Net Profit
90
190
105
55
302
426
-521
EPS in ₹
2.37
4.45
2.46
1.22
6.73
8.96
-10.13

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
6,296
Fixed Assets
86
116
133
159
188
205
300
Current Assets
884
1,057
2,065
1,776
1,185
1,999
0
Capital Work in Progress
4
4
6
0
0
3
0
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
0
Total Liabilities
7,058
9,470
12,339
17,708
20,224
26,087
6,296
Current Liabilities
145
154
293
528
489
505
0
Non Current Liabilities
6,913
9,316
12,046
17,180
19,735
25,582
5,382
Total Equity
894
1,084
1,352
1,412
1,715
2,492
1,945
Reserve & Surplus
466
656
903
962
1,266
1,977
1,430
Share Capital
428
428
450
450
450
515
515

Cash Flow

Cash Flow
2019
2020
2021
2022
2023
2024
Net Cash Flow
78
-45
1,143
-308
-745
654
Investing Activities
-171
-635
-638
-982
-573
-583
Operating Activities
-239
1,089
1,127
-585
-571
1,001
Financing Activities
488
-499
653
1,259
399
235

Share Holding

% Holding
Jul 2021
Nov 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
74.43 %
63.39 %
63.39 %
63.39 %
63.39 %
63.38 %
63.36 %
63.31 %
63.31 %
FIIs
0.00 %
0.00 %
0.00 %
0.81 %
0.12 %
0.15 %
0.16 %
0.27 %
0.17 %
DIIs
0.00 %
13.13 %
10.27 %
10.26 %
8.90 %
5.56 %
5.03 %
5.00 %
5.00 %
Government
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 %
Others
25.57 %
15.40 %
16.81 %
14.47 %
14.75 %
15.13 %
15.26 %
15.24 %
14.87 %
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

Dividend History

Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.7 0.00
Dividend Yield (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.85 0.00

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
16 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
16 May 2025 28.53 31.02
10 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
10 Feb 2025 37.15 36.27
13 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Nov 2024 44.30 42.91
14 Aug 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
14 Aug 2024 52.25 50.96
07 Aug 2024 DIVIDEND Dividend
₹ 0.70 /share
07 Aug 2024 60.40 49.97
29 Dec 2023 ANNUAL GENERAL MEETING Annual General Meeting
NA
29 Dec 2023 69.00 68.88

Announcements

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS1 day ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation1 day ago
Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results Of The Bank For The Quarter Ended June 30 2025.1 day ago
Intimation On Grant Of Stock Options Under ESAF Employee Stock Option Scheme 2019. 9 days ago
Announcement under Regulation 30 (LODR)-Change in Management9 days ago
Board Meeting Outcome for Outcome Of The Board Meeting Held On Thursday July 24 20259 days ago
Announcement under Regulation 30 (LODR)-AllotmentJul 17, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jul 04, 2025
Key Business Updates For The Quarter Ended June 30 2025 Jul 04, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 01, 2025
Intimation On Sale Of NPA And Technically Written Off Loans To Asset Reconstruction Company (ARC)Jun 30, 2025
Closure of Trading WindowJun 25, 2025
Sale Of NPA And Technically Written Off Loans To ARCJun 18, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On June 18 2025Jun 18, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Jun 04, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD May 31, 2025
Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 26, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 22, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 19, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 19, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationMay 17, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 16, 2025
Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015May 16, 2025
Intimation On Grant Of Stock Options Under ESAF Employee Stock Option Scheme 2019May 16, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementMay 16, 2025
Audited Standalone Financial Results For The Quarter And Year Ended March 31 2025.May 16, 2025
Outcome Of The Board Meeting Held On May 16 2025.May 16, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On May 16 2025May 16, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 13, 2025
Board Meeting Intimation for Considering And Approving The Audited Standalone Financial Results Of The Bank For The Quarter And Financial Year Ended March 31 2025.May 12, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD May 05, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 15, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Apr 04, 2025
Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Apr 03, 2025
Key Business Updates For The Year Ended March 31 2025.Apr 02, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Mar 31, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 28, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Mar 28, 2025
Closure of Trading WindowMar 26, 2025
Board Meeting Outcome for Outcome Of The Board Meeting Held On March 21 2025.Mar 21, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Mar 20, 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 By Way Of Private Placement.Mar 18, 2025
Announcement under Regulation 30 (LODR)-Credit RatingMar 17, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Mar 04, 2025
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 27, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptFeb 15, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeFeb 11, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseFeb 10, 2025

Technical Indicators

RSI(14)
Neutral
38.90
ATR(14)
Less Volatile
1.01
STOCH(9,6)
Oversold
13.12
STOCH RSI(14)
Oversold
11.59
MACD(12,26)
Bearish
-0.32
ADX(14)
Weak Trend
22.83
UO(9)
Bearish
35.47
ROC(12)
Downtrend And Accelerating
-8.58
WillR(14)
Oversold
-87.56

Mutual Fund Holdings