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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 - ₹42.95
Previous CloseN/A
Volume192.49K
Average Volume (3M)22.82K
Market Cap
₹21.85B
Enterprise Value₹23.71K
Total Cash (Recent Filing)₹11.75B
Total Debt (Recent Filing)₹27.53B
Price to Earnings (P/E)―
Beta1.15
Next Earnings
Nov 12, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.64%
Share Statistics
EPS (TTM)-3.23
Shares Outstanding516,003,200
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
Retail / Inclusion-focused Business ModelA focused retail and inclusion strategy, delivered via branches and digital channels, creates a diversified, sticky customer base in underserved segments. That structural positioning supports steady loan demand and fee opportunities, underpinning durable core earnings and deposit access over months.
Historical Revenue ScalingStrong revenue scaling in earlier years shows the bank’s ability to expand distribution and originate loans at scale. These operational gains create capacity for operating leverage and cross-sell, which can sustain medium-term revenue recovery as credit trends normalize and growth re-accelerates.
Cash-flow Recovery In FY2026A rebound to positive operating cash flow demonstrates the franchise can generate liquidity when underlying operations stabilize. Improved cash conversion enhances the bank’s ability to fund day-to-day operations, service obligations, and rebuild buffers over a multi-month horizon.
Bears Say
Profitability DeteriorationThe shift to meaningful losses materially weakens retained earnings and reduces capacity to absorb credit shocks or fund organic growth. Persistent negative profitability limits capital generation, raises dependency on external funding, and elevates risk to long-term earnings recovery.
Rising Leverage And Weaker EquityA sharp rise in debt combined with falling equity constrains financial flexibility and raises funding cost sensitivity. Higher leverage increases vulnerability to interest-rate or credit stress and limits the bank’s room to expand lending without strengthening capital.
Volatile Cash ConversionInconsistent operating and free cash flow creates planning uncertainty for provisioning, branch investment, and liquidity management. Volatility raises refinancing and working-capital risks, especially given the recent step-up in debt, and can pressure margins over the medium term.
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 ₹42.95 in the past 12 months.
What is ESAF Small Finance Bank Limited’s market cap?
ESAF Small Finance Bank Limited’s market cap is ₹21.85B.
When is ESAF Small Finance Bank Limited’s upcoming earnings report date?
ESAF Small Finance Bank Limited’s upcoming earnings report date is Nov 12, 2026 which is in 100 days.
How were ESAF Small Finance Bank Limited’s earnings last quarter?
ESAF Small Finance Bank Limited released its earnings results on Jul 31, 2026. The company reported ₹1.552 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 516,003,200 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 ₹1.552 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 16.059%.
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
Operating within India, ESAF Small Finance Bank delivers a broad spectrum of banking and financial solutions. Its offerings encompass various account types, including savings, current, and non-resident Indian (NRI) accounts, complemented by diverse deposit products such as fixed, recurring, and social deposits, along with debit cards. The bank provides an extensive portfolio of lending options, featuring loans for vehicles (spanning new and used cars, two-wheelers, three-wheelers, and light commercial vehicles), personal financing (personal, education, and school loans, as well as those for dream homes), business and development initiatives (MSME, clean energy, dairy development, lease rental discounting), agriculture, micro-housing, and gold-backed loans. Further financial services include salary overdrafts, loans against property, and micro-finance programs. Beyond these, the bank facilitates payment services, investment products, the National Pension System, and modern digital banking conveniences via mobile, internet, and SMS platforms. Founded in 1992, ESAF Small Finance Bank is based in Thrissur, India, and operates as a subsidiary of ESAF Financial Holdings Private Limited.
Technical Analysis
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