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ESAF Small Finance Bank
Small Cap•5,479 Employees•IPO 2023
Current Price
₹25.79
-0.64 (-2.42%)Updated
Valuation vs Sector
P/E Ratio
-3.61vs 9.74
P/B Ratio
0.77vs 1.61
Div Yield
0.00%vs 1.95%
Today's Range
₹25.46
₹26.40
₹25.79
52 Week Range
52W Low₹24.31
52W High₹36.20
₹25.79
Downside6.09%
Upside40.36%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹1,452 Cr
Market Cap
Total market value of companyP/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.85
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹-7.22
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
-16.15%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
4.28%
ROCE
Return on Capital Employed. >15% is goodNet Margin
-%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-19.00%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-229.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.72
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹37.81
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
63.30%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
1 points- •ESAF Small Finance Bank exhibits a substantial 63.3% promoter holding, suggesting strong internal confidence and mitigating the risk of hostile takeovers. This high promoter stake signals a long-term commitment to the bank's success and stability.
Weaknesses
7 points- •ESAFSFB shows a high debt-to-equity ratio of 12.70, indicating significant financial leverage and vulnerability to economic downturns or interest rate increases. This high debt level presents a substantial risk to the bank's financial health.
- •The bank's return on equity (ROE) is a negative -23.50%, meaning it's not generating returns for shareholders. This negative ROE is a major concern for potential investors and highlights operational inefficiencies.
Opportunities
2 points- •The price-to-book value ratio of 0.73 suggests the market may undervalue ESAF Small Finance Bank's assets. This presents a potential investment opportunity if the bank's financial performance improves and the market recognizes its true value.
- •Despite current underperformance, the 'Other Bank' sector, where ESAFSFB operates, includes profitable peers like AU Small Finance Bank. This suggests potential for recovery and growth if the bank can address its operational inefficiencies.
Threats
5 points- •The presence of numerous competitors like AU Small Finance and Ujjivan Small Finance Bank in the 'Other Bank' sector poses significant competitive pressure. This intense rivalry could hinder ESAFSFB's growth and market share.
- •As a Small Finance Bank, ESAFSFB operates in a highly regulated financial services sector. Potential changes in banking regulations or stricter compliance requirements could increase operational costs and impact profitability.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹28.19 | +₹2.40 | +9.29% |
| R3 | ₹27.25 | +₹1.46 | +5.65% |
| R2 | ₹26.82 | +₹1.03 | +4.01% |
| R1 | ₹26.31 | +₹0.52 | +2.00% |
| PIVOT | ₹25.88 | 0.09 | 0.36% |
| CURRENT | ₹25.79 | - | - |
| S1 | ₹23.49 | -₹2.30 | -8.93% |
| S2 | ₹24.43 | -₹1.36 | -5.29% |
| S3 | ₹24.94 | -₹0.85 | -3.28% |
| S4 | ₹25.37 | -₹0.42 | -1.64% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+15.5% vs avg
4.44L
(04 Mar 2026)Delivery %+1.1% vs avg
52.9%
(04 Mar 2026)Avg Volume (20D)20-day average
3.84L
(04 Feb - 04 Mar)Avg Delivery %Trend ↑
51.9%
(04 Feb - 04 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
DCB Bank Ltd
18.30 %
Highest Dividend Yield
Karnataka Bank Ltd
2.40 %
Peer Comparison
| Company Name |
|---|
 DCB Bank Ltd |
 Equitas Small Finance Bank Ltd |
 Fino Payments Bank Ltd |
 HDFC Bank Ltd |
 Jana Small Finance Bank Ltd |
 Karnataka Bank Ltd |
 Suryoday Small Finance Bank Ltd |
 Utkarsh Small Finance Bank Ltd |
About
ESAF Small Finance Bank Ltd
ESAF Small Finance Bank (ESAFSFB) is an Indian banking institution offering a comprehensive range of financial products and services to a diverse customer base encompassing retail, rural, and corporate clients. Its operations are structured across four key segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking, allowing for specialized focus and efficient service delivery.
The bank's retail banking offerings are extensive, covering various deposit accounts such as savings, current, NRI accounts, and different types of fixed deposits (recurring, social, term). Customers can access their accounts and conduct transactions through a variety of channels including personal net banking, mobile banking, SMS banking, missed call banking, and USSD banking. Debit and credit cards are also provided for convenient transactions.
ESAFSFB provides a wide array of loan products catering to individual and business needs. This includes personal loans, home loans (including affordable housing and dream home options), vehicle loans (cars, two-wheelers, three-wheelers, and light commercial vehicles), agricultural loans (including farmer interest group loans and agri gold loans), business loans (for MSMEs and micro-enterprises), educational loans, and loans against property. They also offer specialized financing for sectors like clean energy, dairy development, and microfinance, along with unique products like ESAF FPO finance and trade receivables e-discounting.
Beyond core banking and lending, ESAFSFB offers a substantial suite of ancillary financial services. These include micro-banking services, utility bill payments through internet banking and UPI, investment products like national pension systems, and distribution of third-party financial products such as life, general, and health insurance. Furthermore, the bank engages in treasury services and provides comprehensive foreign exchange services, encompassing currency exchange, remittances, and non-resident repatriation services.
Established in 1992 and headquartered in Thrissur, India, ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited. Its broad portfolio and multi-faceted approach position it as a significant player in the Indian financial landscape, serving a wide range of customer segments and contributing to economic development across various sectors.
COMPANY FACTS - ESAFSFB
Registered Address
ESAF Bhavan, Mannuthy P. O.,
THRICHUR
KERALA
IN
Tel: 914877123456
Website:https://www.esafbank.com/
Investor Relations:http://www.esafbank.com/report/esaf-small-finance-bank-annual-reports/
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 5,479
IPO Date: 10/11/2023
MANAGEMENT - ESAFSFB
Mr. Gireesh Chandrathil Parameswaran Nair
Chief Financial Officer
Paul Kadambelil
Managing Director
Ranjith Raj Parameswaran Nambisan
Company Secretary
Assan Akbar
Director
Joseph Antony
Director
Alex George
Director
Ajayan Mangalath Gopalakrishnan Nair
Nominee Director
Mr. George Joseph
Director
Thomas Kalappila
Director
Mohan Pappachan
Nominee Director
Ravimohan Ramakrishnan
Director
Kolasseril Ranjani
Director
Investor Questions Answered
ESAF Small Finance Bank Ltd (ESAFSFB) Stock FAQs
Get answers to the most common questions about ESAF Small Finance Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of ESAF Small Finance Bank Ltd (ESAFSFB) is ₹25.79. Today, the stock has declined by ₹0.64 (2.42%), trading in a range of ₹25.46 to ₹26.4. The stock opened at ₹26.4 with a trading volume of 4,43,597 shares.
ESAF Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,452 crores, P/E ratio of 0.00, ROE of -16.15%, and ROCE of 4.28%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of ESAF Small Finance Bank Ltd (ESAFSFB) is ₹36.2, while the 52-week low is ₹24.31. Currently trading at ₹25.79, the stock is 12.4% away from its 52-week low and 28.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy ESAF Small Finance Bank Ltd stock at ₹25.79 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a loss of 2.42%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
ESAF Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹25.79, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
ESAF Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: -16.15%, ROCE: 4.28%, Dividend Yield: 0.00%, EPS: ₹-7.22, Book Value: ₹37.81, Debt-to-Equity: 0.72, and Current Ratio: N/A. The company's market cap stands at ₹1,452 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
ESAF Small Finance Bank Ltd stock opened at ₹26.4 and is currently trading at ₹25.79, showing a decline of ₹0.64 (2.42%). The intraday high is ₹26.4 and low is ₹25.46. The trading volume stands at 4,43,597 shares, indicating moderate market participation today.
ESAF Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹-7.22, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
ESAF Small Finance Bank Ltd has a market capitalization of ₹1,452 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹25.79) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
ESAF Small Finance Bank Ltd has a book value of ₹37.81 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹25.79, which is 31.8% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
ESAF Small Finance Bank Ltd has a Return on Equity (ROE) of -16.15% and Return on Capital Employed (ROCE) of 4.28%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
ESAF Small Finance Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
ESAF Small Finance Bank Ltd has a debt-to-equity ratio of 0.72, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
ESAF Small Finance Bank Ltd has an Earnings Per Share (EPS) of ₹-7.22, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹25.79 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
ESAF Small Finance Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
ESAF Small Finance Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze ESAF Small Finance Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (-16.15%), debt-to-equity (0.72), and growth rates. 2) Technical Analysis - Check 52-week range (₹24.31 - ₹36.20), moving averages, and chart patterns. 3) Valuation - Compare current price (₹25.79) with book value (₹37.81) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of ESAF Small Finance Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹25.79 is 158x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in ESAF Small Finance Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹24.31 - ₹36.20). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.72 indicates leverage. 4) Liquidity Risk - Based on trading volume of 4,43,597 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
ESAF Small Finance Bank Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of -16.15%, market cap of ₹1,452 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.72), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for ESAF Small Finance Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹25.79, with a 52-week range of ₹24.31 to ₹36.20. Based on fundamentals like P/E (0.00), ROE (-16.15%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling ESAF Small Finance Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹25.79. 2) Fundamental Deterioration - Declining ROE (currently -16.15%), increasing debt (D/E: 0.72), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for ESAF Small Finance Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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