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    Regional banks
ESAF Small Finance Bank Limited

ESAF Small Finance Bank Limited

40.78
INR
-0.70
(-1.69%)
-0.10EPS
17.18BMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.62
7.46
13.26
17.98
20.42
26.32
39.93
59.16
48.91
48.72
53.87
Basic EPS, GAAP
0.01
0.52
1.75
3.7
2.05
1.06
5.87
8.96
-10.13
-3.23
-0.1
Free Cash Flow per Basic Share
-25.37
10.4
-5.39
20.12
20.94
-12.4
-12.48
19.56
58.72
-43.52
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
0.7
- -
- -
Book Value per Share
5.94
6.67
17.36
21.06
26.26
27.42
33.32
48.41
37.81
34.65
- -
Tangible Book Value per Share
5.94
6.67
17.36
21.06
26.26
27.42
33.32
48.41
37.81
34.65
- -
Basic Weighted Avg Shares
515
515
515
515
515
515
515
475
515
516
513
Sales/Revenue/Turnover
321
3,839
6,825
9,253
10,512
13,547
20,554
28,114
25,185
25,117
27,624
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
94
169
232
286
328
418
510
593
655
- -
Net Income, GAAP
8
270
903
1,904
1,054
547
3,023
4,256
-5,214
-1,664
-51
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
25.54
25.39
- -
- -
- -
Profit Margin (%)
2.38
7.03
13.23
20.58
10.03
4.04
14.71
15.14
-20.7
-6.63
-0.18
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20,528
16,747
17,024
10,403
15,480
22,568
26,802
25,725
14,057
22,527
- -
Total Equity
3,058
3,433
8,937
10,841
13,521
14,116
17,150
24,918
19,490
17,865
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.23
3.91
8.07
4.2
1.67
7.5
9
- -
- -
- -
Return on Common Equity (%)
- -
8.32
14.6
19.25
8.65
3.96
19.34
20.23
-23.48
-8.91
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
516
516
516
Market Capitalization
13,761
10,262
17,181

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
11,745
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
8.21%
-8.34%
Free Cash Flow
- -
-70.45%
-174.2%
Net Income, GAAP
- -
30.9%
-68.08%
Sales/Revenue/Turnover
- -
21.34%
-0.27%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
7,036
6,370
5,989
5,791
25,185
2026
5,730
5,092
7,017
7,191
25,117
2027
8,323
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.22
-3.69
-4.1
-3.56
-10.13
2026
-1.58
-2.25
0.14
0.46
-3.23
2027
1.55
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.7
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Paul Thomas Kadambelil
Full Time Employees
10,994
Sector
Finance
Industry
Regional banks
Address
Building No. VII/83/8 Thrissur KL India 680651
IPO Date
Nov 10, 2023
Website
esafbank.com
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Business
ESAF Small Finance Bank Ltd (ESAFSFB.NS) operates as a small finance bank in India focused on financial inclusion for underbanked and rural populations; it provides a comprehensive suite of banking products and services including savings accounts, current accounts, NRI accounts, fixed deposits, recurring deposits, term deposits, personal loans, microfinance loans, micro housing loans, loans against property, business loans, agriculture loans, sanitation loans, water loans, micro-energy loans, ultra-poor microfinance loans, home improvement loans, education loans, debit cards, and third-party financial product distribution; the bank also offers para-banking activities such as foreign currency non-resident deposit accounts. Headquartered in Thrissur, Kerala, and founded in 1992 as an NGO before transitioning to a non-banking finance company and receiving its small finance bank license from the Reserve Bank of India in March 2017 with operations commencing in January 2018, ESAF maintains a nationwide presence across multiple states with over 400 branches serving micro, retail, and corporate segments primarily targeting low-income households, entrepreneurs, farmers, and MSMEs. In recent developments, the bank plans to raise Rs 300-500 crore in tier-1 capital to bolster its capital adequacy ratio amid consecutive net losses and a decline in tier-1 capital to 18.4% as of June 2025; it has strategically reduced unsecured microloans from 67% to 46% of its portfolio while expanding secured lending in gold loans, mortgage loans, mobility loans, and agriculture loans; additionally, retail deposits crossed Rs 22,894 crore, up 59% year-over-year, and the Reserve Bank of India rejected Dia Vikas Capital's proposal to acquire over 5% stake in October 2025.