ESAF SMALL FINANCE BANK L·SMALL FINANCE BANKS - SFBS 47.44BANKS 52.98·Banks

Price

40.86

-2.02%
O:41.7
H:41.9
L:39.75
C:40.86

52W Range

19.7846
+107%/-11%

Market Cap

₹2,108.82 Cr

Traded: ₹2.06 Cr (0.10%) 0.0x

Free Float: ₹462.68 Cr (0.45% of FF traded)

Volume · 60D trend

5.07 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-6% 3M:-6% 6M:+28% 12M:+45%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E--
P/B1.2
P/S--
EV/EBIT--

Business Strength

ROE-8.9%
ROCE5.7%
OPM--
NPM--

Growth (3Y CAGR)

EPS+68.1%
Sales+7.0%
Profit--
3Y Return--

Balance Sheet

Debt/Equity16.0
Debt28,603 Cr
Pledge0.0%
CWIP/Fixed Asset128.3%

Cash Position

CFO/NP1180.7%
FCF-2,242 Cr
FCF 3Y Avg1,712 Cr
Cash/MCap51.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float21.9%
ESAFSFB40.86 -2.02% NSEBSE5% 29 Oct
NOUS
BNF
MCap2.1K Cr
Vol5.07 L
RVol
Del%
TVal2.06 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 11.00 L
0.02% FF
60d high
₹ 14.92 Cr
60d low
₹ 11.00 L
60d mean
₹ 3.23 Cr
vs mean
▼ 96.60%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+17.0%
+7.0%
--
+4.0%
Decelerating
ROE
+4.0%
+1.0%
-4.0%
--
--
Decelerating
Return
--
--
--
+31.0%
--
--
Profit
--
--
--
--
+99.0%
--

Quarterly Results

Jun 2026

31 Jul
Rev
--
----
OPM--
NPM--
PAT
--▲80 Cr
EPS
+198% YoY▲1.6

Mar 2026

PDF
Rev
--
----
OPM--
NPM--
PAT
+113% YoY▲24 Cr
EPS
+113% YoY▲0.5

Dec 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+103% YoY▲7 Cr
EPS
+103% YoY▲0.1

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+12% YoY▼-116 Cr
EPS
+39% YoY▼-2.3

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-229% YoY▲-81 Cr
EPS
-230% YoY▲-1.6

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
-523% YoY▲-183 Cr
EPS
-523% YoY▲-3.5

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-288% YoY▼-211 Cr
EPS
-288% YoY▼-4.1

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-194% YoY▼-190 Cr
EPS
-218% YoY▼-3.7

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-52% YoY▲63 Cr
EPS
-58% YoY▲1.2

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
-57% YoY▼43 Cr
EPS
-63% YoY▼0.8

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+200% YoY▼112 Cr
EPS
--▼2.2

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+143% YoY▲140 Cr
EPS
--▲3.1

Jun 2023

Rev
--
----
OPM--
NPM--
PAT
+23% YoY▲130 Cr
EPS
--▲2.9

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
-4% YoY101 Cr
EPS
--2.3

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-4.4x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-2.0K Cr
Investing Cash Flow-192 Cr
Financing Cash Flow1.3K Cr
Free Cash Flow-2.2K Cr

Detailed Financials

Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023
Mar 2023
Sales----------------------------
Expenses725692693672682820881834619682567487505457
Operating Profit----------------------------
Other Income24820126914519514511440115150120799394
Interest514477462448450458463456434411377347313275
Depreciation00000000000000
Profit Before Tax107279-155-109-241-282-2558559150188174136
Tax %25.0%13.0%22.0%-25.0%-26.0%-24.0%-25.0%-25.0%26.0%26.0%25.0%26.0%25.0%26.0%
Net Profit80247-116-81-183-211-1906343112140130101
Exceptional Items--000000-58000000
EPS (Rs)1.60.50.1-2.3-1.6-3.5-4.1-3.71.20.82.23.12.92.3
Sales Growth (YoY)----------------------------
Sales Growth (QoQ)----------------------------
OP Growth (YoY)----------------------------
OP Growth (QoQ)----------------------------
Profit Growth (YoY)--113.0%103.0%12.0%-229.0%-523.0%-288.0%-194.0%-52.0%-57.0%200.0%143.0%23.0%-4.0%
EPS Growth (YoY)198.1%113.0%103.4%39.0%-229.5%-522.6%-287.6%-218.3%-57.8%-62.8%--------
EPS Growth (QoQ)237.0%228.6%106.2%-42.4%55.5%13.2%-10.8%-402.5%45.2%-61.5%-30.1%8.0%27.9%--
OP Margin----------------------------
Net Margin----------------------------
Material Cost %----------------------------
Employee Cost %--17.4%19.0%19.3%23.0%20.7%18.9%19.4%10.1%10.4%9.2%9.4%8.9%9.8%
P/S----------------------------
P/E----------------------------
P/B1.181.06------------------------

Shareholding Pattern

Shareholders:1.1L (+13.6%)
Current MixJun 2026

Exchange Filings

50
Company Update22 Oct 2026

Intimation of Earnings Conference Call on the Unaudited Standalone Financial Results for the quarter and half year ended September 30, 2026.

Company Update16 Oct 2026

Intimation regarding upgradation of Core Banking System of the Bank

Board Meeting16 Oct 2026

ESAF Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/10/2026 ,inter alia, to consider and approve the Unaudited Standalone ....

Company Update12 Oct 2026

Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended September 30, 2026.

Others05 Oct 2026

Half Yearly Report on Listed Privately Placed NCDs as on September 30, 2026.

Company Update02 Oct 2026

Intimation on the upgrading of ESG Score by CareEdge ESG Ratings.

Company Update01 Oct 2026

Key Business Updates for the Quarter ended September 30, 2026.

Board Meeting23 Sept 2026

Outcome of the Board meeting held on September 23, 2026.

Company Update22 Sept 2026

Allotment of Equity Shares pursuant to exercise of ESOPs under ESAF Employee Stock Option Scheme 2019.

Board Meeting17 Sept 2026

ESAF Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 23/09/2026 ,inter alia, to consider and approve the proposal to raise ....

Company Update02 Sept 2026

Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.

Company Update02 Sept 2026

Intimation on recent rating action by CARE Ratings.

Company Update21 Aug 2026

Intimation on reconstitution of Committees of the Board.

Company Update18 Aug 2026

Intimation on recent rating action by Brickwork Ratings

Company Update14 Aug 2026

Intimation on Appointment of Joint Statutory Auditors

Company Update14 Aug 2026

Intimation regarding change in directors.

AGM/EGM14 Aug 2026

Scrutinizer Report on the Remote E-voting and E-voting conducted at the 10th AGM of the Bank.

AGM/EGM14 Aug 2026

Outcome and Proceeding of the Tenth (10th) Annual General Meeting of ESAF Small Finance Bank Limited.

Company Update07 Aug 2026

Transcript of the Earnings Call held on August 3, 2026.

Result31 Jul 2026

Unaudited Standalone Financial Results for the Quarter ended June 30, 2026.

Company Update27 Jul 2026

Intimation is hereby given that a conference call for analysts and investors to discuss the results of the Unaudited Standalone Financial Results for the Quarter ended June 30, 2026 is ....

Company Update24 Jul 2026

Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.

Board Meeting23 Jul 2026

ESAF Small Finance Bank Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 31/07/2026 ,inter alia, to consider and approve the Unaudited Standalone ....

Company Update21 Jul 2026

Announcement under Regulation 30 of SEBI LODR Regulations, 2015.

Others20 Jul 2026

Business Responsibility and Sustainability Report for the Financial Year 2025-26.

Others20 Jul 2026

Annual Report of ESAF Small Finance Bank Limited for the Financial Year 2025-26.

Corp. Action20 Jul 2026

Intimation of the Book Closure for Annual General Meeting of ESAF Small Finance Bank Limited

AGM/EGM20 Jul 2026

Notice is hereby given that the Tenth (10th) Annual General Meeting (AGM) of the Shareholders of ESAF Small Finance Bank Limited (the Bank) will be held on Friday, August 14, 2026 at 3:00 ....

Company Update14 Jul 2026

Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.

Company Update11 Jul 2026

Newspaper Publication regarding intimation of the 10th Annual General Meeting of the Bank.

Company Update10 Jul 2026

Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter ended June 30, 2026.

Company Update10 Jul 2026

Intimation of the date of the 10th Annual General Meeting of the Bank.

Company Update02 Jul 2026

Key Business Updates for the Quarter ended June 30, 2026.

Insider Trading / SAST26 Jun 2026

Pursuant to provisions of SEBI (PIT) Regulations, 2015 and the Insider Code of Conduct of the Bank, the Trading window for dealing in securities of the Bank shall remain closed for designated ....

Company Update25 Jun 2026

Intimation on Allotment of Non-Convertible Debentures (Tier II Bonds) on private placement basis.

Company Update23 Jun 2026

Intimation of investor/analyst meet

Company Update17 Jun 2026

Clarification with respect to Volume Movement.

Company Update17 Jun 2026

The Exchange has sought clarification from ESAF Small Finance Bank Ltd on June 17, 2026, with reference to Movement in Volume. <BR><BR>The reply is awaited.

BSE
Company Update17 Jun 2026

Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015.

Company Update12 Jun 2026

Total Business of the Bank crossing Rs. 50000 Crore - Intimation under Regulation 30 of SEBI LODR Regulations.

Others04 Jun 2026

Outcome of the Board meeting held on June 4, 2026

Company Update22 May 2026

Allotment of Equity Shares under ESAF Employee Stock Option Scheme 2019.

Company Update22 May 2026

Annual Secretarial Compliance Report for the year ended March 31, 2026.

Company Update08 May 2026

Transcript of the Earnings Conference Call held on May 4, 2026.

Company Update04 May 2026

Outcome of the Earnings Conference Call held on May 4, 2026

Company Update01 May 2026

Newspaper Publication of the Audited Standalone Financial Results of the Bank for the Quarter and Financial Year ended March 31, 2026.

Company Update01 May 2026

Investor Presentation on the Audited Standalone Financial Results of the Bank for the Quarter and Financial Year ended March 31, 2026

Company Update30 Apr 2026

Press Release on the Audited Standalone Financials Results of the Bank for the Quarter and Financial Year ended March 31, 2026

Company Update30 Apr 2026

Intimation regarding change in management

Company Update30 Apr 2026

Intimation regarding change in director

Annual Reports

4

2026

2025

2024

2023

Credit Ratings

6
careRating update
02 Sept 2025Report
brickworkRating update
19 Aug 2025Report
careRating update
28 Mar 2025Report
careRating update
17 Mar 2025Report
brickworkRating update
04 Oct 2024Report
careRating update
04 Jul 2024Report

Concalls

11

Feb 2026

28 Feb 2026

Nov 2025

30 Nov 2025

Aug 2025

31 Aug 2025

Aug 2025

31 Aug 2025

May 2025

31 May 2025

Feb 2025

28 Feb 2025

Nov 2024

30 Nov 2024

Aug 2024

31 Aug 2024

May 2024

31 May 2024

Feb 2024

29 Feb 2024

Nov 2023

30 Nov 2023