ESAFSFB
ESAF Small Finance Bank Limited (ESAFSFB) Stock Analysis
ESAF Small Finance Bank Limited is an Indian small finance bank with roots in Kerala-focused inclusive banking. It provides loans, deposits, and payment services to retail and small-business customers. The bank operates branches across several Indian states. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹44.30
+6.96% 1W | +57.90% 52W
Market Cap
2.3k CR
P/E Ratio
–
52W High
₹46
52W Low
₹19.8
Div. Yield
0%
Beta
1
50 DMA
₹41.6
200 DMA
₹31.9
Profit Margin
-0.3%
Inst. Own.
2.8%
📊 CONSOLIDATION
📊 CONSOLIDATION
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 948 | 892 | 828 | 820 | 894 | 995 | 1,098 |
| Interest | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 448 | 462 | 477 | 514 |
| Expenses | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 | 672 | 693 | 692 | 725 |
| Financing Profit | 81 | 109 | 30 | -91 | -30 | -294 | -396 | -386 | -304 | -301 | -260 | -174 | -141 |
| Financing Margin % | 9% | 12% | 3% | -9% | -3% | -30% | -42% | -43% | -37% | -37% | -29% | -18% | -13% |
| Other Income | 93 | 79 | 120 | 150 | 115 | 40 | 114 | 145 | 195 | 145 | 269 | 201 | 248 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 | 9 | 27 | 107 |
| Tax % | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% | -25% | 22% | 13% | 25% |
| Net Profit | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 | 7 | 24 | 80 |
| EPS in Rs | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 | 0.14 | 0.46 | 1.55 |
| Gross NPA % | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% | 5.64% | 5.41% | 5.40% |
| Net NPA % | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% | 2.73% | 1.77% | 0.83% |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,858 | 3,537 | 3,807 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,837 | 1,901 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 2,674 | 2,782 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,105 | -974 | -876 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -29% | -28% | -23% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 472 | 811 | 864 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 65 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -228 | -12 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | -27% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -166 | -5 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -3.23 | -0.10 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 7.0% | 17.0% | – |
Shareholding Pattern
Promoters63.31%
FIIs0.16%
DIIs5.00%
Public31.51%
Promoters63.30%
FIIs0.16%
DIIs5.00%
Public31.53%
Promoters63.29%
FIIs0.01%
DIIs4.97%
Public31.74%
Promoters63.28%
FIIs0.01%
DIIs4.63%
Public32.08%
Promoters63.25%
FIIs0.31%
DIIs3.80%
Public32.63%
Promoters63.39%
FIIs0.81%
DIIs10.26%
Public25.53%
Promoters63.31%
FIIs0.27%
DIIs5.00%
Public31.41%
Promoters63.28%
FIIs0.01%
DIIs4.63%
Public32.08%
Promoters63.25%
FIIs0.31%
DIIs3.80%
Public32.63%
ESAFSFB
Holdings Analysis
Key strengths & risk signals
64
Overall
43
Fundamental
86
Technical
Risks (1)
Cannot calculate PEG - insufficient growth data.
Strengths (3)
BULLISH TREND! 50-day average (41.6) is above 200-day average (31.9) - positive signal.
EXCELLENT YEAR! Stock gained 57.9% in the last year.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 847,976 vs down days: 422,666. Ratio: 2.01x
Fundamental & Technical Analysis
64Overall
43Fundamental
86Technical
Fundamental Breakdown
Growth Quality
10/30
Revenue CAGR: 6.9% (MODERATE, 8/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! -0.3% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 24.48% public ownership - balanced ownership structure.
Stability Index
4/10
CAREFUL! Company does not have stable profit track. 2 loss-making quarters detected.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (41.6) is above 200-day average (31.9) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (44.3) is above both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATION
52W Performance
10/10
EXCELLENT YEAR! Stock gained 57.9% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 847,976 vs down days: 422,666. Ratio: 2.01x
RSI
3/5
BULLISH! RSI at 60.2 - positive momentum.
52W Range
5/5
STRONG! Trading at 93.5% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 7.0% (1 week), 13.7% (1 month), 25.8% (3 months). Momentum is accelerating.
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
ESAFSFB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-07 | Concall PDF | |
| Q4FY262026-05-08 | Concall PDF | |
| Q3FY262026-02-07 | Concall PDF | |
| Q2FY262025-11-18 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ESAFSFB | ₹44.30 | – | -0.3% | 6.9% | – | +57.9% | 64 | CONSOLIDATION | -198.6% | +240.9% | +45.3% | +15.7% |
| UTKARSHBNK | ₹13.30 | – | -146.1% | 1.4% | – | -24.7% | 53 | APPROACHING RESISTANCE | -85.8% | -82.0% | +0.2% | +10.1% |
| SURYODAY | ₹148.00 | 8.2 | 13.6% | 20.0% | 25.1% | +4.6% | 64 | BREAKOUT | +113.0% | +51.3% | +30.3% | +14.0% |
| DHANBANK | ₹35.80 | 12.6 | 14.9% | 12.7% | 27.7% | +33.1% | 83 | BREAKOUT | +104.1% | -42.8% | +19.1% | -17.1% |
| CAPITALSFB | ₹273.40 | 8.3 | 29.3% | 14.6% | 14.7% | -1.4% | 62 | APPROACHING SUPPORT | +29.1% | +3.0% | +20.3% | +8.9% |
| FINOPB | ₹134.10 | 53.4 | 1.6% | 15.8% | -6.9% | -59.0% | 52 | BREAKDOWN | -177.0% | -293.0% | -36.1% | -12.7% |
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
Data from TradeAlone · Updated daily
ESAFSFB News
Esaf Small Finance Bank Limited Delivers Record Quarterly Profit in Q2 FY272026-10-29Esaf Small Finance Bank Limited (esafsfb) Q2 Fy2027 Investor Presentation: Gross Advances Surge, Asset Quality Improves2026-10-29Esaf Small Finance Bank Limited (esafsfb) Q1 FY27: Strong Turnaround with PAT at ₹80 Crore2026-07-31Esaf Small Finance Bank Limited (esafsfb) Q1 Fy2027 Investor Presentation: Strong Growth in Gross Advances and Deposits2026-07-31
