ESAF Small Finance Bank Limited
ESAFSFB · 544020 · Financial Services · Other Bank
- Market cap
- Rs 2,215 Cr
- P/E
- No data: the source has not published this figure.
- P/B
- 1.24x
- 52W high / low
- Rs 46 / Rs 19.78
Our computed net_margin (-0.11%) diverges from BSE's own published figure (7.29%) by more than 100%. BSE's figure is a different, BSE-computed number (not necessarily TTM, standalone-only) — treat as a cross-check/fallback signal, not proof either figure is wrong.
About ESAF Small Finance Bank
ESAF Small Finance Bank Limited is listed on the NSE under the symbol ESAFSFB and on the BSE under scrip code 544020. It is classified in the Financial Services sector, industry: Other Bank. It is a constituent of BSE Financial Services. The company listed on 10 Nov 2023 and has a face value of Rs 10.
The latest available end-of-day price is Rs 42.94 (+4.99% on the day), for a market capitalisation of Rs 2,215 Cr. Price-to-book is 1.24x. The 52-week range is Rs 19.78 to Rs 46. The latest price is 88% of the way from the 52-week low to the 52-week high.
Against the 8-company comparison set from the official BSE basic industry Other Bank, its market capitalisation is 1.0 times the peer median of Rs 2,167 Cr. The comparison set is chosen mechanically from the exchange classification; it is not a ranking.
Latest annual results
For FY26 (year ended 31 Mar 2026), ESAF Small Finance Bank Limited reported total income of Rs 4,348 Cr and net profit of Rs -166.4 Cr, with a net margin of -3.83% and earnings per share of Rs -3.23 (standalone statements).
Year-on-year change: total income +0.44%; net profit not meaningful (a loss in one of the periods); EPS not meaningful (a loss in one of the periods).
At the same date the balance sheet shows total assets of Rs 30,868 Cr, shareholders' equity of Rs 1,780 Cr, a reported gross NPA ratio of 0.05% and a reported net NPA ratio of 0.02%.
On a trailing-twelve-month basis the filings add up to revenue of Rs 4,671 Cr, net income of Rs -5.1 Cr and a net margin of -0.11%.
Shareholding pattern
In the shareholding pattern for 30 Sept 2026, ESAF Small Finance Bank Limited's ownership is split: promoters 63.23%; foreign institutional investors (FIIs) 0.18%; domestic institutional investors (DIIs) 3.58%; retail and other shareholders 33.01%.
Compared with the filing for 30 Jun 2026: promoter holding −0.02 percentage points; FII holding −0.14 percentage points; DII holding −0.22 percentage points.
The same filing lists reported promoter pledge of 0.00% and 1,04,828 shareholders on record.
Recent filings and corporate actions
123 BSE corporate announcements were filed by ESAF Small Finance Bank Limited in the past twelve months; the most frequent category is "Company Update" (86). The most recent is "Audio Recording of the Investor Conference Call held on October 29, 2026." (Company Update), filed on 29 Oct 2026.
The disclosed corporate-action timeline lists 1 entries: dividend (1). The latest is a dividend (Final Dividend - Rs. - 0.7000) with ex-date 7 Aug 2024.
Figures are raw disclosures from official NSE/BSE and SEBI filings plus mechanically computed ratios, restated in words. This is research data, not investment advice, a rating or a recommendation; DalalOS is not a SEBI-registered investment advisor.
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Peer comparison
Official BSE basic industry: Other Bank. Limited to companies within a 0.1x–10x market-cap band.
Edit columns
| Ujjivan Small Finance Bank Limited | Rs 56.13 | Rs 10,951 Cr | Rs 8,962 Cr | Rs 1,149 Cr | 9.50x | 17.82% |
| Equitas Small Finance Bank Limited | Rs 57.17 | Rs 6,539 Cr | Rs 8,143 Cr | Rs 510 Cr | 12.79x | 8.37% |
| Jana Small Finance Bank Limited | Rs 394.2 | Rs 4,171 Cr | Rs 6,896 Cr | Rs 475 Cr | 8.75x | 11.06% |
| ESAF Small Finance Bank LimitedThis company | Rs 42.94 | Rs 2,215 Cr | Rs 4,671 Cr | Rs -5.1 Cr | — | -0.27% |
| Utkarsh Small Finance Bank Limited | Rs 11.9 | Rs 2,118 Cr | Rs 3,793 Cr | Rs -945.4 Cr | — | -32.88% |
| Suryoday Small Finance Bank Limited | Rs 133.12 | Rs 1,415 Cr | Rs 2,686 Cr | Rs 192 Cr | 7.38x | 9.58% |
| Capital Small Finance Bank Limited | Rs 263.5 | Rs 1,198 Cr | Rs 1,191 Cr | Rs 151 Cr | 7.93x | 10.76% |
| Fino Payments Bank Limited | Rs 122.98 | Rs 1,023 Cr | Rs 1,441 Cr | Rs 21 Cr | 48.97x | 2.70% |
| Median | Rs 90.08 | Rs 2,167 Cr | Rs 4,232 Cr | Rs 171 Cr | 9.12x | 8.97% |
Peers are selected mechanically from the official BSE industry hierarchy and current market-cap band. This is a comparison set, not a ranking or recommendation.
Companies related to ESAF Small Finance Bank
Same official industry (Other Bank)
- Ujjivan Small Finance Bank LimitedUJJIVANSFB · Market cap Rs 10,951 Cr
- Equitas Small Finance Bank LimitedEQUITASBNK · Market cap Rs 6,539 Cr
- Jana Small Finance Bank LimitedJSFB · Market cap Rs 4,171 Cr
- Utkarsh Small Finance Bank LimitedUTKARSHBNK · Market cap Rs 2,118 Cr
- Suryoday Small Finance Bank LimitedSURYODAY · Market cap Rs 1,415 Cr
- Capital Small Finance Bank LimitedCAPITALSFB · Market cap Rs 1,198 Cr
- Fino Payments Bank LimitedFINOPB · Market cap Rs 1,023 Cr
Other Financial Services companies of a similar market capitalisation
- Home First Finance Company India LimitedHOMEFIRST · Market cap Rs 11,114 Cr
- JM Financial LimitedJMFINANCIL · Market cap Rs 10,911 Cr
- UTI Asset Management Company LimitedUTIAMC · Market cap Rs 10,599 Cr
- Aptus Value Housing Finance India LimitedAPTUS · Market cap Rs 10,032 Cr
- Can Fin Homes LimitedCANFINHOME · Market cap Rs 9,748 Cr
- SBFC Finance LimitedSBFC · Market cap Rs 9,447 Cr
- Indian Energy Exchange LimitedIEX · Market cap Rs 9,386 Cr
- Aavas Financiers LimitedAAVAS · Market cap Rs 8,797 Cr
Companies are grouped mechanically from the exchange classification and listed by market capitalisation. This is a comparison set, not a ranking or recommendation.