ESAF Small Finance Bank Limited (ESAFSFB) fundamentals
ESAF Small Finance Bank Limited is a listed company in Banks, part of the Financial Services sector, listed on the NSE as ESAFSFB (ISIN INE818W01011). This page carries its reported financials, balance sheet, cash flow, shareholding pattern and valuation ratios.
What ESAF Small Finance Bank Limited does
ESAF Small Finance Bank Limited (the Bank) is a small finance bank with a focus on unbanked and underbanked customer segments, especially in urban, semi-urban, rural and rural unbanked areas. The Bank provides micro, retail, and corporate banking, para-banking activities such as debit cards, third-party financial product distribution, in addition to treasury and permitted foreign exchange business. The Company's segments include treasury, wholesale banking, retail banking, and other banking operations. The treasury segment primarily consists of interest earnings on its investment portfolio, gains or losses on investment operations, and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para-banking activities, such as debit cards, third-party product distribution, and associated costs.
Valuation and market data
| Last close | ₹40.39 |
|---|---|
| Market capitalisation | ₹2,081 crore |
| Enterprise value | ₹910 crore |
| P/E (TTM) | 0.00 |
| Price to book | 1.16 |
| Price to sales (TTM) | 0.45 |
| Book value per share | ₹34.68 |
| Dividend yield | 0.00% |
| Sector | Financial Services |
| Industry | Banks |
| Listed since | Fri Nov 10 |
Annual results
| Period | Revenue | Profit before tax | Net profit | EPS |
|---|---|---|---|---|
| Mar 2026 | ₹4,348 crore | ₹-228 crore | ₹-166 crore | -3.23 |
| Mar 2025 | ₹4,329 crore | ₹-693 crore | ₹-521 crore | -10.13 |
| Mar 2024 | ₹4,260 crore | ₹570 crore | ₹426 crore | 8.96 |
| Mar 2023 | ₹3,142 crore | ₹406 crore | ₹302 crore | 6.73 |
| Mar 2022 | ₹2,148 crore | ₹74 crore | ₹55 crore | 1.22 |
Figures are as reported (standalone), in ₹ crore.
Shareholding pattern
As of Jun 2026:
| Promoters | 63.3% |
|---|---|
| Foreign institutions (FII) | 0.3% |
| Mutual funds | 0.0% |
| Other domestic institutions | 3.8% |
| Retail and others | 32.6% |
More on BreakPoint
FundaX company research covers every listed company with reported financials. BreakPoint Pro adds the BreakPoint iQ score, the screener and the multibagger board.
Data is sourced from exchange filings and vendor feeds and is for research, not investment advice. Figures can be restated by the company after publication.