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ESAF Small Finance Bank Ltd

NSE: ESAFSFB BSE: 544020BankingBank
28.48
+7.15%
NSE · auto-updates while market open
Prev Close
₹32.61
Day High
₹28.63
Day Low
₹26.71
Mkt Cap
₹1,469 Cr
P / E
-
P / B
0.8
ROE
-8.9%
52W High
₹36.20
52W Low
₹19.78
Delivery
38% · avg 50%
Key Metrics
Market Cap
₹1,469 Cr
P / E
-
P / B
0.83
EV / EBITDA
-
ROCE
-
ROE
-8.9%
Debt / Equity
-
Book Value
₹34.52
EPS
-
Div Yield
0.0%
Face Value
₹10
Promoter Holding
63.3%
Revenue · ₹ Cr
4.3k
FY24
4.3k
FY25
4.3k
FY26
Net Profit · ₹ Cr
426
-521
-166
FY24FY25FY26
P / E Ratio · price ÷ TTM EPS
Trading at 45.8× - 568% above its own historical median of 6.9×.
120405911-20-15Apr 24Dec 24Sept 25Jun 26
P/E 45.8×Median 6.9×TTM EPS
Cash Flow Trend · ₹ Cr
1.0K
1.0K
FY24
3.2K
3.2K
FY25
−2.0K
−2.0K
FY26
Operating cash flowFree cash flow (CFO − capex)
Q4 '26 · Bank snapshot
Interest income
₹1.20K Cr
Interest expended
₹477 Cr
Other income
₹0 Cr
Operating exp.
-
Provisions
₹214 Cr
Net profit
₹24 Cr
Bank quality · Q4 '26
Gross NPA
0.05%
Net NPA
0.02%
CET-1
-
CRAR
-
RoA
-
Net Profit
₹24 Cr
Scorecard · 7 axes
Quality
Avg
45/100
Valuation
-
Growth
-
Profitability
Bad
-4.5%
Performance
Bad
-12.4%
Entry Point
Good
79%
Red Flags
Strong
0 flags
Shareholding Pattern
63.3%Promoter
Promoter63.3%
FII0.0%
DII4.6%
Public32.1%
Quarterly Results · ₹ Cr
QuarterQ3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26
Revenue1,061.781,036.781,023.37964.981,163.441,196.45
Net Profit-210.9-183.19-81.222-115.817.1223.51
NPM %-19.9%-17.7%-7.9%-12.0%0.6%2.0%
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