| Annual Financials | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM |
Revenue  | 1,141 | 1,546 | 1,768 | 2,148 | 3,142 | 4,260 | 4,329 | 4,348 | 4,671 |
| Expenses | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 2,674 | 2,782 |
| EBITDA | 144 | 279 | 170 | 107 | 448 | 621 | -634 | -163 | -12 |
| Operating Profit % | 48 % | 54 % | 46 % | 36 % | 41 % | 43 % | 18 % | 24 % | 26 % |
| Depreciation | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 66 | 0 |
| Interest | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,837 | 1,901 |
| Profit Before Tax | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -228 | -12 |
| Tax | 37 | 66 | 36 | 19 | 104 | 145 | -172 | -62 | -7 |
| Net Profit | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -166 | -5 |
| EPS in ₹ | 2.37 | 4.45 | 2.46 | 1.22 | 6.73 | 8.96 | -10.13 | -3.23 | -0.10 |
ESAF Small Finance Bank
ESAF Small Finance Bank
39.85
-0.42
(-1.04%)
Market Cap
2,056.07 Cr
PE Ratio
-402.20
Volume
20,56,717.00
Day High - Low
40.92 - 39.28
52W High-Low
44.25 - 19.78
Key Fundamentals
Market Cap
2,056.07 Cr
EPS
-3.23
PE Ratio
-402.20
PB Ratio
1.16
Book Value
34.63
EBITDA
-162.90
Dividend Yield
0.00 %
Industry
Banks Sector
Small Finance Bank Return on Equity
-9.31
Debt to Equity
0.00
Actual
Company News
View All News
ESAF Small Finance Bank Q1 Results: Net Profit Turns Positive YoY10 days ago
ESAF Small Finance Bank posted a net profit of ₹801M in Q1 vs a loss of ₹812M YoY, with revenue rising to ₹11B from ₹8.3B and NNPA improving to 0.83% QoQ.
ESAF Small Finance Bank schedules Q1FY27 earnings conference call on August 3, 2026, at 4:00 PM IST, hosted by Elara Securities for analysts and investors.
ESAF Small Finance Bank files BRSR for FY26
Jul 20, 2026
Jul 20, 2026ESAF Small Finance Bank filed its Business Responsibility and Sustainability Report for FY26, disclosing ESG performance and assurance.
View more
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 |
|---|---|---|---|---|---|---|---|---|
1,068.00 | #1 79,965.39 | 28.41 | 1,446.00 | #1 19.10 | #1 761 | 37.03 | 56.98 | |
69.76 | 13,570.10 | 15.06 | #1 8,039.00 | 11.64 | 693 | #1 206.69 | 58.67 | |
75.49 | 8,633.96 | 16.85 | 6,794.24 | -5.94 | 103 | 182.04 | 46.93 | |
539.75 | 5,685.78 | 15.36 | 5,352.87 | -2.42 | 326 | 52.31 | 53.03 | |
14.02 | 2,494.89 | -2.68 | 3,809.70 | -12.72 | -1,151 | 85.85 | 41.05 | |
39.85 | #6 2,056.07 | #7 -402.20 | #4 4,348.20 | #5 0.44 | #7 -166 | #2 198.65 | 58.27 | |
161.32 | 1,714.67 | #1 8.97 | 2,520.00 | 16.08 | 152 | 113.03 | 38.18 | |
289.55 | 1,315.47 | 8.98 | 1,146.90 | 15.32 | 141 | 29.06 | 44.94 |
Growth Rate
Revenue Growth
0.44 %
Net Income Growth
-68.09 %
Cash Flow Change
-161.72 %
ROE
-65.20 %
ROCE
26.76 %
EBITDA Margin (Avg.)
41.63 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Total Assets | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
| Fixed Assets | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 226 |
| Current Assets | 884 | 1,057 | 2,065 | 1,776 | 1,185 | 1,999 | 2,637 | 2,086 |
| Capital Work in Progress | 4 | 4 | 6 | 0 | 0 | 3 | 63 | 290 |
| Investments | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,399 |
| Other Assets | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 23,953 |
| Total Equity & Liabilities | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
| Current Liabilities | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 479 |
| Non Current Liabilities | 6,913 | 9,316 | 12,046 | 17,180 | 19,735 | 25,582 | 26,631 | 30,390 |
| Total Equity | 894 | 1,084 | 1,352 | 1,412 | 1,715 | 2,492 | 1,949 | 1,787 |
| Reserve & Surplus | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,271 |
| Share Capital | 428 | 428 | 450 | 450 | 450 | 515 | 515 | 516 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
| Net Cash Flow | 78 | -45 | 1,143 | -308 | -745 | 654 | 556 | -805 |
| Investing Activities | -171 | -635 | -638 | -982 | -573 | -583 | -769 | -192 |
| Operating Activities | -239 | 1,089 | 1,127 | -585 | -571 | 1,001 | 3,176 | -1,960 |
| Financing Activities | 488 | -499 | 653 | 1,259 | 399 | 235 | -1,852 | 1,347 |
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 | Jun 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 % | 63.25 % |
| 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 % | 0.32 % |
| 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 % | 3.80 % |
| 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 % | 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 % | 17.91 % |
| 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 % | 14.73 % |
| 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 | 1,07,631 |
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 |
|---|---|---|---|---|---|
| 14 Aug 2026 |  Annual General Meeting | NA | 14 Aug 2026 | 34.54 | 40.27 |
| 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 |
| 31 Jul 2026 | Quarterly Result Announcement | NA | 31 Jul 2026 | 35.71 | 36.48 |
Announcements
Announcement under Regulation 30 (LODR)-Earnings Call Transcript3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Investor Presentation10 days ago
10 days agoBoard Meeting Outcome for Outcome Of Board Meeting Held On July 31 202610 days ago
10 days agoUnaudited Standalone Financial Results For The Quarter Ended June 30 2026.10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 27, 2026
Jul 27, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 24, 2026
Jul 24, 2026Board Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results For The Quarter Ended June 30 2026Jul 23, 2026
Jul 23, 2026Announcement Under Regulation 30 Of SEBI LODR Regulations 2015Jul 21, 2026
Jul 21, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 21, 2026
Jul 21, 2026Business Responsibility and Sustainability Reporting (BRSR)Jul 20, 2026
Jul 20, 2026Intimation Of The Book Closure For Annual General Meeting Of ESAF Small Finance Bank LimitedJul 20, 2026
Jul 20, 2026Reg. 34 (1) Annual Report.Jul 20, 2026
Jul 20, 2026Notice Of The Tenth (10Th) Annual General Meeting ("AGM") Of The Shareholders Of ESAF Small Finance Bank Limited (The "Bank")Jul 20, 2026
Jul 20, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 14, 2026
Jul 14, 2026Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 11, 2026
Jul 11, 2026Intimation Of The Date Of The 10Th Annual General Meeting Of The BankJul 10, 2026
Jul 10, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 10, 2026
Jul 10, 2026Key Business Updates For The Quarter Ended June 30 2026Jul 02, 2026
Jul 02, 2026Closure of Trading WindowJun 26, 2026
Jun 26, 2026Announcement under Regulation 30 (LODR)-AllotmentJun 25, 2026
Jun 25, 2026Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJun 23, 2026
Jun 23, 2026Announcement Under Regulation 30 Of SEBI LODR Regulations 2015 - Clarification With Respect To Volume Movement.Jun 17, 2026
Jun 17, 2026Clarification sought from ESAF Small Finance Bank LtdJun 17, 2026
Jun 17, 2026Announcement Under Regulation 30 Of SEBI (LODR) Regulations 2015.Jun 17, 2026
Jun 17, 2026Announcement Under Regulation 30 Of SEBI LODR - Total Business Of The Bank Crossing Rs. 50000 Crore.Jun 12, 2026
Jun 12, 2026Announcement under Regulation 30 (LODR)-Change in ManagementJun 04, 2026
Jun 04, 2026Announcement under Regulation 30 (LODR)-Change in DirectorateJun 04, 2026
Jun 04, 2026Board Meeting Outcome for Outcome Of The Board Meeting Held On June 4 2026Jun 04, 2026
Jun 04, 2026Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 22, 2026
May 22, 2026Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 22, 2026
May 22, 2026Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 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, 2026Mutual 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 59.94
ATR(14)
Volatile 2.47
STOCH(9,6)
Neutral 75.41
STOCH RSI(14)
Neutral 58.00
MACD(12,26)
Bullish 0.24
ADX(14)
Strong Trend 48.34
UO(9)
Bearish 50.42
ROC(12)
Uptrend And Accelerating 12.77
WillR(14)
Neutral -41.33
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