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ESAF Small Finance Bank LtdOther BankINE818W01011Standalone₹39.01+0.71 (+1.85%)Jun-26

Valuation

Market Cap₹2.02K Cr

TTM PE19.50x

Forward PE14.62x

PEG-0.07

Book Value₹34.50

P/B1.14x

TTM EPS₹2.01

Fwd EPS₹2.68

TTM Revenue₹4.01K Cr

TTM PAT₹-5.10 Cr

Last Qtr PAT₹80.08 Cr

Profitability

ROE-0.29%

ROCE3.00%

TTM NPM-0.13%

Curr OPM5.95%

Last OPM1.96%

Curr NPM—

Last NPM—

Curr EPS₹1.55

Last EPS₹0.46

Balance sheet

Equity₹515.66 Cr

Reserve₹1.26K Cr

Total Debt₹2,752.74 Cr

D/E1.55x

Interest %0.00%

Curr Interest₹0.00 Cr

Price / range

Close₹39.19

vs 52W High-12.89%

vs 52W Low+98.53%

MA50—

MA200—

Returns

1D+1.95%

1W-1.79%

1M-3.06%

3M+21.75%

6M+67.28%

1Y+31.20%

2Y-21.42%

3Y—

5Y—

Diwali+44.51%

Sector peers — Other Bank

Company	Close	Mkt Cap	TTM P/E	ROE
AUBANK	1058.60	₹79.29K Cr	27.70	14.30%
UJJIVANSFB	65.02	₹12.65K Cr	13.92	13.29%
EQUITASBNK	74.09	₹8.47K Cr	16.57	8.33%
JSFB	527.30	₹5.55K Cr	14.62	8.50%
UTKARSHBNK	14.17	₹2.52K Cr	-2.06	-34.06%
ESAFSFB	39.19	₹2.02K Cr	19.50	-0.29%
SURYODAY	146.63	₹1.56K Cr	8.12	9.23%
CAPITALSFB	278.90	₹1.27K Cr	8.40	10.31%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	1,097.77+32.5%	1,196.45	894.05	819.82	828.23	4,348.23
Other Income	248.24	0	269.39	145.16	195.14	0
Total Income	1,346.01+31.5%	1,196.45	1,163.44	964.98	1,023.37	4,348.23
Interest	0	0	0	0	0	0
Expenditure	-483.34-7.9%	-477.83	0	0	-448.09	-1,798.82
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	107.02+198.0%	27.09	9.13	0	-109.20	-228.40
Tax	-26.94	-3.58	-2.01	39.61	27.98	62
Equity	515.95	515.66	515.51	515.51	515.43	515.66
OPM	7.95	2.26	1.02	0.00	-10.67	-5.25
Net Profit	80.08+198.6%	23.51	7.12	-115.81	-81.22	-166.40
NPM	5.95	1.96	0.80	-14.13	-7.94	-3.83
EPS	1.55+198.1%	0.46	0	0	-1.58	-3.23

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24
Revenue	4,348.23+12.6%	3,862.22+1.1%	3,818.43
Other Income	0	467.09	441.82
Total Income	4,348.23+0.4%	4,329.31+1.6%	4,260.25
Expenditure	-1,798.82+5.5%	-1,903.51-15.4%	-1,648.83
Interest	0	0	0
PBDT	0	0	0
Depreciation	0	0	0
PBT	-228.40+67.0%	-692.97-221.5%	570.41
Tax	62	171.58	-144.84
Equity	515.66	515.43	514.78
OPM (%)	-5.25	-16.01	13.00
Net Profit	-166.40+68.1%	-521.39-222.5%	425.57
NPM (%)	-3.83	-12.04	10.00
EPS (Rs)	-3.23+68.1%	-10.13-213.1%	8.96
CEPS	-3.22	-10.12	8.94

Metric	FY25-26
Revenue	4,348.23
Other Income	0
Total Income	4,348.23
Interest	0
Expenditure	-1,798.82
PBDT	0
Depreciation	0
PBT	-228.40
Tax	62
Equity	515.66
OPM	-5.25
Net Profit	-166.40
NPM	-3.83
EPS	-3.23

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	4,348.23+12.6%	3,862.22
Other Income	0	467.09
Total Income	4,348.23+0.4%	4,329.31
Expenditure	-1,798.82+5.5%	-1,903.51
Interest	0	0
PBDT	0	0
Depreciation	0	0
PBT	-228.40+67.0%	-692.97
Tax	62	171.58
Equity	515.66	515.43
OPM (%)	-5.25	-16.01
Net Profit	-166.40+68.1%	-521.39
NPM (%)	-3.83	-12.04
EPS (Rs)	-3.23+68.1%	-10.13
CEPS	-3.22	-10.12

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2024	Final Dividend	0.7	07 Aug 2024

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split