Education
About Us
Working with TipRanks
Follow Us
ESAF Small Finance Bank Limited (IN:ESAFSFB)
:ESAFSFB
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₹24.00 - ₹36.13
Previous CloseN/A
Volume192.49K
Average Volume (3M)22.82K
Market Cap
₹12.50B
Enterprise Value₹23.36B
Total Cash (Recent Filing)₹10.26B
Total Debt (Recent Filing)₹21.13B
Price to Earnings (P/E)48.2
Beta1.16
Next Earnings
May 08, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.64%
Share Statistics
EPS (TTM)0.14
Shares Outstanding515,625,240
10 Day Avg. Volume23,527
30 Day Avg. Volume22,820
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.69
Price to Sales (P/S)0.31
P/FCF Ratio-3.48
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
Revenue GrowthSustained ~74% revenue growth indicates strong demand traction for the bank's lending and deposit products and suggests expanding customer penetration. Over a multi-quarter horizon this supports scale benefits, higher fee opportunities, and provides a base for restoring profitability if credit costs and operating efficiency improve.
Improved LeverageA lower debt-to-equity ratio reflects meaningful progress in liability management and reduces solvency risk, giving the bank more financial flexibility. Persistently improved leverage enhances capacity to fund lending growth internally, lowers refinancing vulnerability, and supports steadier capital planning over the medium term.
Healthy Core MarginA near-30% gross margin signals sound underlying lending economics and spread generation before provisions and operating costs. This structural margin provides a cushion: if credit loss trends normalize and operating expense control improves, the bank can convert core profitability into positive operating earnings over several quarters.
Bears Say
Negative Net & EBIT MarginsPersisting negative EBIT and net margins show the bank is not covering operating costs and credit provisions from core operations, indicating fundamental profitability issues. Over months this erodes retained earnings, limits capital build-up, and requires either sustained margin expansion or reduced credit/opex pressures to return to profitability.
Negative Return On EquityA deeply negative ROE signals the bank is destroying shareholder capital rather than generating returns, a structural red flag for investors and management. Without consistent profit recovery, negative ROE will constrain the bank's ability to raise equity on favorable terms and to fund growth without diluting shareholders.
Weak Cash GenerationNegative operating and free cash flows create persistent liquidity pressure, limiting the bank's ability to self-fund loan growth, pay dividends, or absorb shocks. Over a multi-quarter horizon this increases dependence on deposit mobilization or external funding and heightens refinancing and interest-rate risk.
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 ₹24.00 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 ₹12.50B.
When is ESAF Small Finance Bank Limited’s upcoming earnings report date?
ESAF Small Finance Bank Limited’s upcoming earnings report date is May 08, 2026 which is in 53 days.
How were ESAF Small Finance Bank Limited’s earnings last quarter?
ESAF Small Finance Bank Limited released its earnings results on Jan 30, 2026. The company reported ₹0.138 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.138.
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 515,625,240 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 ₹0.138 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.23%.
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
Equitas Small Finance Bank Ltd.
―
Jana Small Finance Bank Ltd
―
Suryoday Small Finance Bank Limited
―
Ujjivan Small Finance Bank Ltd.
―
Utkarsh Small Finance Bank Limited
―