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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 - ₹36.96
Previous CloseN/A
Volume192.49K
Average Volume (3M)22.82K
Market Cap
₹18.40B
Enterprise Value₹31.69B
Total Cash (Recent Filing)₹11.75B
Total Debt (Recent Filing)₹27.53B
Price to Earnings (P/E)―
Beta1.20
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.64%
Share Statistics
EPS (TTM)-3.23
Shares Outstanding515,951,800
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 FranchiseA focused retail and microfinance franchise builds a granular liability base and stable loan flow from inclusion-oriented customers. This business model supports deposit stability, diversified retail deposits, and enduring customer relationships that sustain lending volumes through cycles.
Historical Revenue ScalingSustained top-line expansion across FY2022–FY2024 indicates the bank has demonstrated distribution reach and product-market fit. Even if growth slowed later, prior scaling suggests durable operational capability to gather customers, cross-sell, and expand loan books over the medium term.
Cash Flow Recovery In FY2026A return to solid operating cash flow in FY2026 shows the bank can generate real cash after a period of strain. This recovery enhances capacity to fund operations and lending without solely relying on external wholesale funding, improving medium-term financial resilience if maintained.
Bears Say
Profitability DeteriorationMaterial deterioration into losses undermines retained earnings and the bank's internal capital generation. Persistent negative profitability compresses buffers against credit shocks, limits reserve-building, and can force tighter lending or higher-cost funding, constraining sustainable growth.
Rising Leverage, Weaker EquityA step-up in debt alongside declining equity reduces capital headroom and increases funding and regulatory vulnerability. Higher leverage elevates sensitivity to funding costs and interest cycles, and can limit the bank's ability to expand loans or absorb asset-quality shocks without raising fresh capital.
Volatile Cash ConversionInconsistent operating and free cash flow complicates planning and casts doubt on sustainable internal funding. Volatility suggests reliance on working-capital swings or episodic items, increasing the likelihood of periodic reliance on wholesale funding and pressure on margins during downturns.
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 ₹36.96 in the past 12 months.
What is ESAF Small Finance Bank Limited’s market cap?
ESAF Small Finance Bank Limited’s market cap is ₹18.40B.
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 11 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 515,951,800 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
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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