ESAF Small Finance Bank Limited (IN:ESAFSFB)
:ESAFSFB
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ESAFSFB Stock Chart & Stats
₹25.68
-₹0.14(-0.36%)
At close: 4:00 PM EST
₹25.68
-₹0.14(-0.36%)
Day’s Range― - ―
52-Week Range₹19.74 - ₹36.13
Previous CloseN/A
Volume192.49K
Average Volume (3M)22.82K
Market Cap
₹14.21B
Enterprise Value₹30.01B
Total Cash (Recent Filing)₹10.26B
Total Debt (Recent Filing)₹21.13B
Price to Earnings (P/E)10.8
Beta1.00
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.64%
Share Statistics
EPS (TTM)-11.49
Shares Outstanding515,676,500
10 Day Avg. Volume23,527
30 Day Avg. Volume22,820
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)0.57
Price to Sales (P/S)0.24
P/FCF Ratio4.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Inclusion-focused Retail Banking ModelESAF’s inclusion-oriented retail model and deposit mobilization (savings and term deposits funding loans) create durable net‑interest and fee revenue streams. A deposit-funded lending franchise supports steady NII generation and client stickiness in underserved micro/SME segments over the medium term.
Proven Revenue Scaling FY2022–FY2024The bank’s prior multi-year revenue expansion demonstrates capacity to grow loan book and customer reach, indicating product-market fit and operational scalability. That historical scaling provides a foundation to restore core interest income if credit normalization and execution on deposit mobilization resume.
Operating Cash Flow Recovery In FY2026A solid operating cash‑flow rebound in FY2026 signals improving cash conversion and operational recovery. Sustained cash generation would reduce reliance on external funding, support working capital and lending activity, and improve the bank’s flexibility to execute strategic priorities.
Bears Say
Meaningful Recent Losses And Earnings VolatilityMaterial losses in FY2025 and continued negative earnings in FY2026 erode retained equity and impair the bank’s ability to self-finance growth. Persistent profitability weakness increases the need for external capital, constrains strategic investments, and raises execution risk for returning to sustainable earnings.
Rising Leverage, Weaker Capital BaseA sharp increase in debt alongside declining equity has reduced balance-sheet flexibility. Higher leverage elevates refinancing and interest‑rate risk, can pressure regulatory capital ratios for a bank, and limits the capacity to extend new lending or absorb credit shocks without raising fresh capital.
Inconsistent Cash Conversion And FCF VolatilityMulti-year swings in operating and free cash flow create planning uncertainty for a deposit-funded lender. Inconsistent cash conversion complicates liquidity management, increases reliance on short-term funding in weak years, and raises execution risk for steady credit growth or capital restoration initiatives.
ESAF Small Finance Bank Limited News
ESAFSFB FAQ
What was ESAF Small Finance Bank Limited’s price range in the past 12 months?
ESAF Small Finance Bank Limited lowest stock price was ₹19.74 and its highest was ₹36.13 in the past 12 months.
What is ESAF Small Finance Bank Limited’s market cap?
ESAF Small Finance Bank Limited’s market cap is ₹14.21B.
When is ESAF Small Finance Bank Limited’s upcoming earnings report date?
ESAF Small Finance Bank Limited’s upcoming earnings report date is Jul 24, 2026 which is in 64 days.
How were ESAF Small Finance Bank Limited’s earnings last quarter?
ESAF Small Finance Bank Limited released its earnings results on Apr 30, 2026. The company reported ₹0.46 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.46.
Is ESAF Small Finance Bank Limited overvalued?
According to Wall Street analysts ESAF Small Finance Bank Limited’s price is currently Overvalued.
Does ESAF Small Finance Bank Limited pay dividends?
ESAF Small Finance Bank Limited pays a Notavailable dividend of ₹0.7 which represents an annual dividend yield of 2.64%. See more information on ESAF Small Finance Bank Limited dividends here
What is ESAF Small Finance Bank Limited’s EPS estimate?
ESAF Small Finance Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does ESAF Small Finance Bank Limited have?
ESAF Small Finance Bank Limited has 515,676,500 shares outstanding.
What happened to ESAF Small Finance Bank Limited’s price movement after its last earnings report?
ESAF Small Finance Bank Limited reported an EPS of ₹0.46 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.01%.
Which hedge fund is a major shareholder of ESAF Small Finance Bank Limited?
Currently, no hedge funds are holding shares in IN:ESAFSFB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
ESAF Small Finance Bank Limited
ESAF Small Finance Bank provides banking products and services in India. It offers savings, current, and NRI accounts; fixed, recurring, and social deposits; and debit cards. The company provides used and new car, two and three-wheeler, light commercial vehicle, school, personal, lease rental discounting, education, dairy development, MSME, dream home, clean energy, business, micro housing, gold, agricultural loans, and other loans; salary overdrafts and loans against property; micro-finance; payment services; national pension system; investment products; mobile, Internet, and SMS banking, etc.; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited.
Technical Analysis
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