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ESAF Small Finance Bank Limited
(ESAFSFB)
ESAF Small Finance Bank Limited (ESAFSFB) vs. iShares MSCI India ETF (INDA)
ESAF Small Finance Bank Limited Business Overview & Revenue Model
ESAF Small Finance Bank Limited Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.96B | 43.29B | 42.60B | 30.73B | 21.48B | 10.51B |
| Gross Profit | 23.88B | 12.69B | 28.11B | 20.55B | 13.55B | 10.51B |
| EBITDA | -8.29B | -6.34B | 6.21B | 0.00 | 0.00 | 1.70B |
| Net Income | -6.65B | -5.21B | 4.26B | 3.02B | 547.32M | 1.05B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 271.78B | 260.87B | 202.24B | 177.08B | 123.39B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 19.79B | 2.06B | 7.67B | 15.12B | 18.19B |
| Total Debt | 0.00 | 14.06B | 45.01B | 45.44B | 48.97B | 24.30B |
| Total Liabilities | -19.49B | 252.29B | 235.95B | 185.09B | 162.96B | 109.87B |
| Stockholders Equity | 19.49B | 19.49B | 24.92B | 17.15B | 14.12B | 13.52B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -3.85B | 7.94B | -6.42B | 5.34B | 2.81B |
| Operating Cash Flow | 0.00 | -2.32B | 8.65B | 8.79B | 5.88B | 3.31B |
| Investing Cash Flow | 0.00 | -7.69B | -5.83B | -5.73B | -9.82B | -6.38B |
| Financing Cash Flow | 0.00 | 15.57B | 54.37B | 22.50B | 50.74B | 26.24B |
ESAF Small Finance Bank Limited Technical Analysis
ESAF Small Finance Bank Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | ₹47.32B | 11.49 | ― | ― | 13.36% | -50.07% | |
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | ₹99.26B | 22.63 | ― | 2.80% | 6.15% | -64.12% | |
| ― | ₹68.54B | ― | ― | 1.66% | 13.47% | -115.98% | |
| ― | ₹36.43B | ― | ― | 2.07% | 12.40% | -166.78% | |
| ― | ₹14.24B | ― | ― | 2.46% | -4.34% | -285.53% |
ESAF Small Finance Bank Limited Corporate Events
ESAF Small Finance Bank Limited announced that it received communication from the Reserve Bank of India regarding a Scheme of Arrangement involving its promoter company and identified shareholders. The RBI has denied approval for Dia Vikas Capital Private Limited to acquire more than 5% of the bank’s paid-up share capital under the scheme. This decision is significant as it affects the promoter shareholding structure, prompting the promoter company’s board to assess implications and explore alternative actions to comply with RBI’s ownership guidelines.
ESAF Small Finance Bank Limited has announced the dispatch of letters to shareholders whose email addresses are not registered, providing them with a web link to access the bank’s Annual Report for the financial year 2024-25. The bank has also scheduled its 9th Annual General Meeting to be held on September 24, 2025, through video conferencing. This move is part of the bank’s compliance with SEBI regulations and aims to ensure that all shareholders have access to important financial information, thereby enhancing transparency and stakeholder engagement.
ESAF Small Finance Bank Limited announced the publication of the notice for its 9th Annual General Meeting, which will be conducted via video conferencing on September 24, 2025. This move reflects the bank’s adaptation to modern communication methods, potentially enhancing accessibility for stakeholders and aligning with regulatory requirements.
ESAF Small Finance Bank Limited announced the availability of the transcript from its earnings conference call for the quarter ending June 30, 2025. The call, held on August 11, 2025, discussed the bank’s unaudited standalone financial results. This release is part of the bank’s efforts to maintain transparency and keep stakeholders informed about its financial performance and strategic direction.
ESAF Small Finance Bank Limited has revised its Investor Presentation for the quarter ended June 30, 2025, due to clerical and typographical errors in the initial submission. The corrected presentation, which outlines the bank’s unaudited standalone financial results for the quarter, is now available on the bank’s website, reflecting the company’s commitment to transparency and accurate financial reporting.
ESAF Small Finance Bank Limited announced the publication of its unaudited standalone financial results for the quarter ended June 30, 2025, in prominent newspapers. This move signifies the bank’s commitment to transparency and regulatory compliance, potentially impacting its market perception positively. By adhering to disclosure requirements, ESAF Small Finance Bank aims to maintain stakeholder trust and reinforce its position within the financial services industry.
ESAF Small Finance Bank reported significant growth in its secured loan disbursements, which increased by 142.4% year-over-year, driven by a substantial rise in the gold loan portfolio. Despite posting a net loss of ₹81 crore for Q1 FY26, the bank showed improvements in its CASA ratio and total deposits, indicating a stable funding base. The bank’s strategic focus on secured assets and prudent risk management, including increased provisions for stressed assets, has strengthened its financial position. With a growing customer base and continued investment in technology, ESAF SFB is poised for sustainable growth, while maintaining its commitment to financial inclusion.
ESAF Small Finance Bank Limited has announced a conference call for analysts and investors to discuss its unaudited standalone financial results for the quarter ending June 30, 2025. This call is scheduled for August 11, 2025, and will feature key executives from the bank. The financial results and related presentations will be made available on the bank’s website, providing stakeholders with insights into the bank’s performance and strategic direction.