ESAF Small Finance Bank Ltd
ESAF Small Finance Bank Ltd (ESAFSFB) last reported results for the quarter ended Jun 2026, with sales of ₹1,098 crore and net profit of ₹80 crore. The stock last traded at ₹43, a market capitalisation of ₹2,217 crore. Over the past 52 weeks the stock has ranged between ₹19.7 and ₹46. Figures are as of 6 Oct 2026 and are not real time.
ESAF Small Finance Bank Ltd share price and key metrics
- Current price
- ₹43
- Market cap
- ₹2,217 cr
- Book value
- ₹34.6
- ROE
- -8.86%
- ROCE
- 5.65%
- Dividend yield
- 0.00%
- 52w high / low
- 46.0/19.7
Metrics as of 6 Oct 2026. Not real time.
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ESAF Small Finance Bank Ltd growth and returns
- 10 Years
- %
- 5 Years
- 17%
- 3 Years
- 7%
- TTM
- 4%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- %
- TTM
- 99%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- %
- 1 Year
- 46%
- 10 Years
- 4%
- 5 Years
- 1%
- 3 Years
- -4%
- Last Year
- -9%
ESAF Small Finance Bank Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹1,098 cr, up 32.6% from ₹828 cr a year earlier. Net profit turned positive at ₹80 cr.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 995 | 948 | 892 | 828 | 820 | 894 | 995 | 1,098 |
| Expenses | 834 | 881 | 820 | 682 | 672 | 693 | 692 | 725 |
| Operating profit | -294 | -396 | -386 | -304 | -301 | -260 | -174 | -141 |
| OPM % | -30% | -42% | -43% | -37% | -37% | -29% | -18% | -13% |
| Other income | 40 | 114 | 145 | 195 | 145 | 269 | 201 | 248 |
| Interest | 456 | 463 | 458 | 450 | 448 | 462 | 477 | 514 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -255 | -282 | -241 | -109 | -155 | 9 | 27 | 107 |
| Tax % | -25% | -25% | -24% | -26% | -25% | 22% | 13% | 25% |
| Net profit | -190 | -211 | -183 | -81 | -116 | 7 | 24 | 80 |
| EPS (₹) | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 | 0.14 | 0.46 | 1.55 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
ESAF Small Finance Bank Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,858 | 3,537 | 3,807 |
| Operating profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,105 | -974 | -876 |
| OPM % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -29% | -28% | -23% |
| Net profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -166 | -5 |
| EPS (₹) | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -3.23 | -0.10 |
TTM is the trailing twelve months to the most recent quarter.
ESAF Small Finance Bank Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 | 516 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,271 |
| Borrowings | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,753 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 25,850 |
| Other liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 479 |
| Total liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
| Fixed assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 226 |
| CWIP | 0 | 0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 | 290 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,399 |
| Other assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 23,953 |
| Total assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 30,868 |
As reported by the company. Total assets equal total liabilities by construction.
ESAF Small Finance Bank Ltd cash flow
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | -239 | 1,089 | 1,127 | -584 | -571 | 1,001 | 3,176 | -1,960 |
| Cash from investing | -171 | -635 | -638 | -982 | -573 | -583 | -769 | -192 |
| Cash from financing | 488 | -499 | 653 | 1,259 | 399 | 235 | -1,852 | 1,347 |
| Net cash flow | 78 | -45 | 1,143 | -308 | -745 | 654 | 556 | -805 |
| Free cash flow | -277 | 1,036 | 1,078 | -638 | -641 | 930 | 3,024 | -2,242 |
| CFO / operating profit | -40% | 152% | 162% | -82% | -43% | 71% | 451% | -226% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
ESAF Small Finance Bank Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% | -9% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
ESAF Small Finance Bank Ltd shareholding pattern
Promoters held 63.25% at Jun 2026, broadly unchanged since Jun 2025. FIIs 0.31% and DIIs 3.80%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 63.38% | 63.36% | 63.31% | 63.31% | 63.30% | 63.29% | 63.28% | 63.25% |
| FIIs | 0.15% | 0.16% | 0.27% | 0.16% | 0.16% | 0.01% | 0.01% | 0.31% |
| DIIs | 5.56% | 5.02% | 5.00% | 5.00% | 5.00% | 4.97% | 4.63% | 3.80% |
| Public | 30.92% | 31.45% | 31.41% | 31.51% | 31.53% | 31.74% | 32.08% | 32.63% |
| No. of shareholders | 1,15,818 | 1,18,512 | 1,16,912 | 1,16,490 | 1,13,955 | 1,11,691 | 1,09,246 | 1,07,631 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
ESAF Small Finance Bank Ltd corporate filings
- ESAF Small Finance Bank reports compliance with Half Yearly NCDs as of September 30, 2026Otherslow impact
Cruxal's analysis: The company has filed a compliance report for its listed privately placed NCDs, covering…
Read the full analysis - ESAF Small Finance Bank's ESG score upgraded by CareEdge ESG RatingsCompany Updatelow impact
Cruxal's analysis: The company, with a market cap of approximately 2,248 crore and current stock price of…
Read the full analysis - ESAF Small Finance Bank reports quarterly business updates for September 2026, with no significant financial or operational changes disclosedCompany Updatelow impact
Cruxal's analysis: The company issued a routine business update covering the quarter ended September 30…
Read the full analysis - Intimation of Closure of Trading Window pursuant to SEBI (PIT) Regulations, 2015.Insider Trading / SASTlow impact
- ESAF Small Finance Bank Board Approves Raising 500 Crore via Tier II Basel II Compliant NCDsBoard Meetingmedium impact
Cruxal's analysis: ESAF Small Finance Bank has received board approval to raise up to 500 crore through the…
Read the full analysis - ESAF Small Finance Bank allots equity shares under ESOP Scheme 2019Company Updatelow impact
Cruxal's analysis: ESAF Small Finance Bank has announced the allotment of equity shares following the…
Read the full analysis - ESAF Small Finance Bank to Consider Tier II Capital Raise via Private Placement of Non-Convertible DebenturesBoard Meetingmedium impact
Cruxal's analysis: ESAF Small Finance Bank has announced a board meeting scheduled for September 23, 2026…
Read the full analysis - ESAF Small Finance Bank allots equity shares under ESOP 2019Company Updatelow impact
Cruxal's analysis: ESAF Small Finance Bank has announced the allotment of equity shares pursuant to the…
Read the full analysis - CARE Ratings revises ESAF Small Finance Bank outlook to Stable from Negative on improved profitability and asset qualityCompany Updatehigh impact
Cruxal's analysis: ESAF Small Finance Bank has received a credit rating outlook upgrade to 'Stable' from…
Read the full analysis - ESAF Small Finance Bank announces reconstitution of Board CommitteesCompany Updatelow impact
Cruxal's analysis: ESAF Small Finance Bank has issued an intimation regarding the reconstitution of its…
Read the full analysis - ESAF Small Finance Bank Tier II Bond Rating Upgraded to BWR A-/Stable by Brickwork RatingsCompany Updatemedium impact
Cruxal's analysis: ESAF Small Finance Bank has received a credit rating upgrade for its 20 crore Tier II…
Read the full analysis - ESAF Small Finance Bank Appoints M/s. Rodi Dabir & Co. as Joint Statutory AuditorCompany Updatelow impact
Cruxal's analysis: ESAF Small Finance Bank has announced the appointment of M/s. Rodi Dabir & Co., Chartered…
Read the full analysis - ESAF Small Finance Bank Announces Board Appointments and Re-appointment to Strengthen GovernanceCompany Updatelow impact
Cruxal's analysis: ESAF Small Finance Bank has announced the appointment of Shri. Hari Velloor as a…
Read the full analysis - ESAF Small Finance Bank concludes 10th AGM; shareholders approve key resolutions including remuneration revisions and debt issuanceAGM/EGMlow impact
Cruxal's analysis: ESAF Small Finance Bank Limited successfully concluded its 10th Annual General Meeting on…
Read the full analysis - ESAF Small Finance Bank Q1 FY27 Earnings Call Highlights: Strong Asset Quality Improvement and 23% YoY Business GrowthCompany Updatehigh impact
Cruxal's analysis: ESAF Small Finance Bank reported a strong Q1 FY27, with total business reaching INR…
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