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ESAF Small Finance Bank
ESAF Small Finance Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for ESAF Small Finance Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Valuation
Profitability
Growth
Financial Health
ESAF Small Finance Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for ESAF Small Finance Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
ESAF Small Finance Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,373.21 Cr and reported EPS of ₹-3.23.
ESAF Small Finance Bank segment analysis: revenue and profit mix.
Disclosed business segments at ESAF Small Finance Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
ESAF Small Finance Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
ESAF Small Finance Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy ESAF Small Finance Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
ESAF Small Finance Bank Ltd's investment case rests on 3 positive markers and 12 flagged concerns drawn from the latest reported filings.
What you're getting.
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.
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.
What can break it.
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.
The bank's quarterly profits show extreme volatility, with a -229% change, indicating operational instability and making accurate earnings forecasting challenging. This volatility significantly increases investment risk.
A P/E ratio of 0.00 indicates negative earnings per share (EPS of -12.9), reflecting the bank's current unprofitability. This makes valuation challenging and signals significant financial distress for investors.
Quarterly sales have declined by -19.00%, indicating a contraction in the bank's revenue generation. This trend suggests weakening business activity and could impact future profitability and growth prospects.
What would change my mind.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
ESAF Small Finance Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — ESAF Small Finance Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
 AU Small Finance Bank Ltd |
 Equitas Small Finance Bank Ltd |
ESAF Small Finance Bank LtdCurrent Stock |
 Fino Payments Bank Ltd |
 Suryoday Small Finance Bank Ltd |
 Ujjivan Small Finance Bank Ltd |
 Utkarsh Small Finance Bank Ltd |
ESAF Small Finance Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for ESAF Small Finance Bank Ltd — derived from the live tape, not yesterday's close.
ESAF Small Finance Bank Ltd last traded at ₹26.58 with an intraday range of ₹26.35–₹27.49 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹26.58| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 29.54 | +2.96 | +11.15% |
| R3 | 28.40 | +1.82 | +6.86% |
| R2 | 27.95 | +1.37 | +5.14% |
| R1 | 27.26 | +0.68 | +2.57% |
| PIVOT | 26.81 | 0.23 | 0.85% |
| CURRENT | 26.58 | — | — |
| S1 | 23.84 | -2.74 | -10.30% |
| S2 | 24.98 | -1.60 | -6.01% |
| S3 | 25.67 | -0.91 | -3.44% |
| S4 | 26.12 | -0.46 | -1.72% |
ESAFSFB is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 27.05 ~ 27.49
Trading Below opening range, showing Bearishness
ESAF Small Finance Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for ESAF Small Finance Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in ESAF Small Finance Bank Ltd stood at 55.5% of traded volume, against a 20-day average of 50.9%.
ESAF Small Finance Bank announcements: results, concalls, ratings, M&A.
Filings ESAF Small Finance Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
ESAF Small Finance Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue ESAF Small Finance Bank has declared, sequenced by announce and record date.
ESAF Small Finance Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About ESAF Small Finance Bank Ltd: business, sector, key facts.
What ESAF Small Finance Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
ESAF Small Finance Bank Ltd operates in the Financial Services, listed as NSE: ESAFSFB, BSE: 544020.
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.
Questions investors ask about ESAF Small Finance Bank Ltd (ESAFSFB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of ESAF Small Finance Bank Ltd (ESAFSFB)?
The current share price of ESAF Small Finance Bank Ltd (ESAFSFB) is ₹26.58. Today, the stock has declined by ₹0.72 (2.64%), trading in a range of ₹26.35 to ₹27.49. The stock opened at ₹27.49 with a trading volume of 5,02,121 shares.
02Is ESAF Small Finance Bank Ltd stock a good investment for long-term?
ESAF Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,373.21 crores, P/E ratio of 0.00, ROE of -8.91%, 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.
03What is the 52-week high and low price of ESAF Small Finance Bank Ltd stock?
The 52-week high price of ESAF Small Finance Bank Ltd (ESAFSFB) is ₹36.2, while the 52-week low is ₹19.78. Currently trading at ₹26.58, the stock is 41.4% away from its 52-week low and 26.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy ESAF Small Finance Bank Ltd stock at the current price?
Whether to buy ESAF Small Finance Bank Ltd stock at ₹26.58 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 2.64%. 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.
05What is the dividend yield of ESAF Small Finance Bank Ltd and when is the next dividend?
ESAF Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹26.58, 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.
06What are the key financial ratios and metrics of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: -8.91%, ROCE: 4.28%, Dividend Yield: 0.00%, EPS: ₹-3.23, Book Value: ₹34.96, Debt-to-Equity: 0.00, and Current Ratio: N/A. The company's market cap stands at ₹1,373.21 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is ESAF Small Finance Bank Ltd stock performing today in the market?
ESAF Small Finance Bank Ltd stock opened at ₹27.49 and is currently trading at ₹26.58, showing a decline of ₹0.72 (2.64%). The intraday high is ₹27.49 and low is ₹26.35. The trading volume stands at 5,02,121 shares, indicating moderate market participation today.
08What is the P/E ratio of ESAF Small Finance Bank Ltd and what does it indicate?
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 ₹-3.23, 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.
The data, ratios and commentary about ESAF Small Finance Bank Ltd (ESAFSFB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
Related
Peers, sector trends, screeners and strategy playbooks contextual to this stock.
- AU Small Finance Bank (AUBANK) Share PricePeer
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