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
₹15.99B
Enterprise Value₹31.69B
Total Cash (Recent Filing)₹10.26B
Total Debt (Recent Filing)₹21.13B
Price to Earnings (P/E)―
Beta1.05
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.64%
Share Statistics
EPS (TTM)-11.49
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
Historical Revenue ScalingSustained multi-year revenue scaling through FY2024 demonstrates the bank built distribution, product acceptance, and origination capability. That prior growth creates a larger customer and deposit base, which supports potential reacceleration and margin recovery as credit normalizes and lending activity resumes.
Deposit-funded Retail FranchiseA retail, inclusion-focused model funded by savings and term deposits provides structurally lower-cost and sticky funding versus wholesale markets. Branch plus digital channels diversify deposit mobilization, supporting stable spreads, resilient funding during cycles, and a durable competitive position in small finance banking.
Recent Cash-flow RecoveryThe rebound to positive operating and free cash flow in FY2026 indicates management can restore cash conversion after setbacks. Improved cash generation supports debt servicing, working-capital needs and reinvestment capacity, providing a pathway to rebuild buffers if the improvement is sustained.
Bears Say
Profitability DeteriorationThe shift to meaningful losses erodes retained earnings and undermines internal capital generation. Prolonged or recurring losses would constrain the bank's ability to invest in growth, absorb credit shocks, and meet regulatory capital thresholds without external capital, raising long-term execution and funding risks.
Rising Leverage And Weakened EquityA sharp increase in debt alongside declining equity reduces financial flexibility and increases solvency risk. Higher leverage heightens sensitivity to funding cost shocks and limits strategic options, potentially forcing deleveraging, capital raises, or curtailed lending growth to restore prudent capital ratios.
Inconsistent Cash ConversionMulti-year volatility in operating and free cash flow signals inconsistent cash conversion driven by working-capital cycles or asset growth. This unpredictability complicates capital planning, increases refinancing risk, and can limit the bank's ability to sustainably fund growth or build liquidity buffers in stress periods.
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 ₹15.99B.
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 36 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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