NSE · ESAFSFB
ESAF Small Finance Bank Limited
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹4,348 Cr with net profit ₹-166 Cr — a -3.83% net margin, versus -12.04% the period before.
Shareholding
As of 2026-06-30
- Promoter63.25%
- Public32.64%
- FII0.32%
- DII3.8%
1,07,631 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 2.27× from low to high.
Risk flags
Derived from disclosed data
- Under exchange surveillance — T2T. Trading may carry price bands, periodic call auction or higher margins.
Peer comparison
Banks - Private Sector · ranked #14 of 15 by market cap · medians across 14 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | ₹10,69,436 Cr | 13.53 | 1.78 | 13.61% | 22.46% |
| IDBI Bank Limited | ₹87,761 Cr | 9.41 | 1.45 | 13.59% | 31.54% |
| Federal Bank Ltd. | ₹85,545 Cr | 18.27 | 2.22 | 12.07% | 15.41% |
| Indusind Bank Ltd. | ₹77,524 Cr | 58.63 | 1.19 | 2.01% | 2.92% |
| Yes Bank Limited | ₹69,996 Cr | 18.58 | 1.33 | 7.2% | 12.31% |
| RBL Bank Limited | ₹63,713 Cr | 70.83 | 1.49 | 5.38% | 6.1% |
| City Union Bank Ltd. | ₹22,436 Cr | 15.99 | 2.12 | 13.28% | 19.35% |
| Tamilnad Mercantile Bank Ltd. | ₹14,626 Cr | 10.13 | 1.38 | 13.67% | 23.69% |
| Karnataka Bank Ltd. | ₹12,555 Cr | 8.73 | 0.99 | 10.87% | 15.9% |
| South Indian Bank Ltd. | ₹12,101 Cr | 8.01 | 1.03 | 12.79% | 14.94% |
| ESAF Small Finance Bank Limited(this company) | ₹2,085 Cr | 83.96 | 1.17 | -0.29% | -13.4% |
AI analysis
AI-generated · google/gemini-2.5-flashESAF Small Finance Bank Limited is listed with a market capitalization of Rs 1827 Cr. The company reported revenue of Rs 4329.31 Cr and a negative profit margin of -470.4%.
Positives
- +The debt-to-equity ratio is 0, indicating no debt.
- +Promoter holding is high at 63.285% as of March 2026.
- +No promoter shares are pledged.
Negatives
- −The company reported a negative profit margin of -470.4%.
- −Net profit significantly declined from Rs 425.5677 Cr in March 2024 to Rs -521.3895 Cr in March 2025.
- −Return on Equity (ROE) is negative at -9.31% for the latest period.
- −Earnings per share (EPS) was negative at -10.12 in March 2025.
- −Promoter holding decreased from 63.3935% in March 2024 to 63.285% in March 2026.
Financial Performance
The company's revenue increased to Rs 4329.31 Cr in March 2025 from Rs 4260.25 Cr in March 2024. However, it reported a net loss of Rs -521.3895 Cr in March 2025, a significant decrease from a net profit of Rs 425.5677 Cr in March 2024. Quarterly results show a net profit of Rs 23.51 Cr in March 2026, improving from previous negative quarters.
Profitability & Returns
ESAF Small Finance Bank Limited recorded a Return on Equity (ROE) of -9.31% and a Return on Capital Employed (ROCE) of 5.21% in the latest period. The profit margin for the company stands at -470.4%, indicating significant losses relative to revenue. Earnings per share (EPS) for March 2025 were -10.12, following an EPS of 8.94 in March 2024.
Balance Sheet
The company maintains a debt-to-equity ratio of 0, suggesting no outstanding debt relative to equity. Book value per share is Rs 34.5. The recent decline in net profit and negative EPS performance may impact future balance sheet strength.
Ownership & Pledges
There are no reported promoter share pledges.
Data as of — price: 2026-09-10 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
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