ESAF Small Finance Bank Limited

Web: esafbank.com NSE: ESAFSFB BSE: 544020 SECTOR: Financial Services - Banks

36 0(-1%)

Near 52W High of 37

Volume

33L as on 22, Jun

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

53/100

Growth Score

0/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,832

No. of Shares

51.6

P/E

8.48

P/B

0.82

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

9.72

ROCE

Profit Growth

Listing Date

10-Nov-23

Promoter Holding

63.28%

FII Holding

0.01%

DII Holding

4.63%

Price Chart

Price Performance

1 Week21%

1 Month25%

3 Months53%

6 Months41%

1 Year41%

YTD41%

Moving Average

5 Day SMA33

10 Day SMA30

20 Day SMA29

30 Day SMA29

50 Day SMA28

61 Day SMA27

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	43	38	40	44
Resistance 2	40	37	38	40
Resistance 1	38	37	37	39
Pivot Point	35	36	35	36
Support 1	33	36	33	34
Support 2	30	35	32	31
Support 3	28	35	30	29

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Promoters	(0.01) 63.28%	(0.01) 63.29%	(0.01) 63.30%	(0.01) 63.31%	(0.01) 63.31%	(0.01) 63.36%	(0.01) 63.38%	(0.01) 63.39%	(0.01) 63.39%	(0.01) 63.39%
FIIs	(0.01) 0.01%	(-0.21) 0.01%	(0.01) 0.16%	(-0.11) 0.16%	(0.11) 0.27%	(0.01) 0.16%	(0.01) 0.15%	(-0.71) 0.12%	(-0.41) 0.81%	(0.01) 1.16%
DIIs	(-0.31) 4.63%	(0.01) 4.97%	(0.01) 5.00%	(0.01) 5.00%	(0.01) 5.00%	(-0.51) 5.02%	(-3.31) 5.56%	(-1.41) 8.90%	(-0.71) 10.26%	(0.01) 10.98%
Public	32.08%	31.74%	31.53%	31.51%	31.41%	31.45%	30.92%	27.57%	25.53%	24.48%
No. of Shareholders	109,246	111,691	113,955	116,490	116,912	118,512	115,818	107,413	102,124	94,713

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Mar 2021
Sales	995	894	820	828	892	948	995	1022	1002	974	943	899	774	701.28	688	690	598	385
Sales Growth % (YoY)	11.6%	-5.7%	-17.6%	-19%	-11%	-2.7%	5.5%	13.8%	29.5%	39%	37.1%	30.2%	29.5%	-	-	-	55.2%	-
Sales Growth % (QoQ)	11.3%	9%	-1%	-7.2%	-5.9%	-4.7%	-2.6%	2%	2.9%	3.3%	4.9%	16.1%	10.4%	1.9%	-0.3%	15.4%	55.3%	-
Expenses	692	693	672	682	820	881	834	619	682	567	487	505	457	481.23	425	355	285	198
Operating Profit	-174	-260	-301	-304	-386	-396	-294	-30	-91	30	109	81	42	-29.88	12	94	92	10
OPM %	-18	-29	-37	-37	-43	-42	-30	-3	-9	3	12	9	5	-4.26	2	14	15	2
Other Income	201	269	145	195	145	114	40	115	150	120	79	93	94	80.91	65	48	49	48
Interest	477	462	448	450	458	463	456	434	411	377	347	313	275	249.93	251	242	220	178
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	27	9	-155	-109	-241	-282	-255	85	59	150	188	174	136	51.03	77	142	141	57
Tax %	13	22	-25	-26	-24	-25	-25	26	26	25	26	25	26	26.69	25	25	25	24
Net Profit	24	7	-116	-81	-183	-211	-190	63	43	112	140	130	101	37.41	58	106	106	43
Net Profit Growth % (QoQ)	242.9%	106%	-43.2%	55.7%	13.3%	-11.1%	-401.6%	46.5%	-61.6%	-20%	7.7%	28.7%	170%	-35.5%	-45.3%	-	146.5%	-
Net Profit Growth % (YoY)	113.1%	103.3%	38.9%	-228.6%	-525.6%	-288.4%	-235.7%	-51.5%	-57.4%	199.4%	141.4%	22.6%	-4.7%	-	-	-	146.5%	-
TTM Net Profit	-166	-373	-591	-665	-521	-295	28	358	425	483	408.41	326.41	302.41	307.41	270	212	106	0
EPS in Rs	0.46	0.14	-2.25	-1.58	-3.55	-4.09	-3.69	1.22	0.84	2.18	3.12	2.89	2.26	0.83	1.28	2.36	2.35	0.96

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017
Sales	3537	3862	3819	2854	1940	1641	1413	1032	597	29
Sales Growth %	-8.4%	1.1%	33.8%	47.1%	18.2%	16.1%	37%	72.8%	1930.8%	-
Expenses	2739	3152	2190	1676	1248	879	646	538	357	31
Operating Profit	-1039	-1101	180	160	-101	43	146	35	-75	-18
OPM %	-29	-28	5	6	-5	3	10	3	-13	-61
Other Income	811	467	442	288	208	127	133	109	102	19
Interest	1837	1811	1449	1017	793	720	621	458	315	16
Depreciation	0	59	51	42	33	29	23	17	0	0
Profit before tax	-228	-693	570	406	74	141	256	127	27	1
Tax %	-27	-25	25	26	26	25	26	29	0	0
Net Profit	-166	-521	426	302	55	105	190	90	27	1
Net Profit Growth %	68.1%	-222.3%	41.1%	449.1%	-47.6%	-44.7%	111.1%	233.3%	2600%	-
EPS in Rs	-3.23	-10.12	8.27	6.73	1.22	2.34	4.45	2.11	0.87	0.03
Dividend Payout %	0	0	8	0	0	0	0	0	0	0

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	3176	1001	-571	-584	1127	1089	-239
Cash from Investing Activity	-769	-583	-573	-982	-638	-635	-171
Cash from Financing Activity	-1852	235	399	1259	653	-499	488
Net Cash Flow	556	654	-745	-308	1143	-45	78

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017
Equity Capital	516	516	515	515	515	449	449	449	428	428	312	302
Reserves	1264	1233	1434	1818	1977	1266	962	903	656	466	31	4
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	485	374	547	559	505	489	528	293	154	145	183	227
Total Liabilities	30868	27129	27178	26646	26087	20224	17708	12339	9470	7058	4724	2994
Fixed Assets	516	435	237	218	205	188	159	133	116	86	69	33
CWIP	0	0	63	0	3	0	0	6	4	4	0	0
Investments	6399	6396	5995	5916	5541	4889	4070	1932	1734	1531	732	579
Other Assets	23953	20298	20883	20512	20338	15147	13478	10268	7616	5438	3924	2382
Total Assets	30868	27129	27178	26646	26087	20224	17708	12339	9470	7058	4724	2994

Delivery

#	Date	26 42% 37	Value (Cr)	Q/T 259	Del 43	Del 7
1	22-Jul	36	6	241	36	2
2	21-Jul	36	5	307	47	2
3	20-Jul	35	2	206	42	1
4	17-Jul	35	3	239	35	1
5	16-Jul	36	4	270	58	2
6	15-Jul	36	6	329	53	3
7	14-Jul	35	4	303	51	2
8	13-Jul	35	7	309	48	3
9	10-Jul	36	13	365	46	6
10	9-Jul	35	3	218	55	2
11	8-Jul	33	3	279	48	2
12	7-Jul	34	3	286	65	2
13	6-Jul	34	6	225	35	2
14	3-Jul	34	2	175	55	1
15	2-Jul	34	9	291	29	3
16	1-Jul	34	3	279	53	1
17	30-Jun	34	2	250	53	1
18	29-Jun	33	3	312	57	2
19	25-Jun	33	2	335	54	1
20	24-Jun	33	5	321	55	3
21	23-Jun	34	7	256	38	3
22	22-Jun	35	12	286	33	4
23	19-Jun	36	73	390	19	14
24	18-Jun	32	10	233	26	3
25	17-Jun	31	8	260	39	3
26	16-Jun	31	60	192	11	7
27	15-Jun	29	2	272	55	1
28	12-Jun	28	3	291	38	1
29	11-Jun	27	1	266	56	1
30	10-Jun	27	1	242	61	1
31	9-Jun	27	1	289	75	1
32	8-Jun	27	2	334	55	1
33	5-Jun	28	1	176	47	0
34	4-Jun	28	1	206	55	0
35	3-Jun	28	1	185	50	0
36	2-Jun	28	1	216	42	0
37	1-Jun	27	2	275	63	1
38	29-May	29	1	294	49	1
39	27-May	29	1	185	46	0
40	26-May	29	1	228	42	0
41	25-May	29	3	338	48	1
42	22-May	28	2	242	51	1
43	21-May	28	2	262	48	1
44	20-May	28	2	366	44	1
45	19-May	28	1	129	49	1
46	18-May	28	3	192	44	1
47	15-May	29	2	263	49	1
48	14-May	30	3	245	44	1

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	1,832c	10c	0.53
22-Jul	1,842c	29c	1.56
21-Jul	1,871c	50c	2.72
17-Jul	1,822c	41c	2.19
16-Jul	1,863c	3c	0.17
15-Jul	1,860c	54c	2.97
14-Jul	1,806c	24c	1.33
13-Jul	1,830c	18c	0.98
10-Jul	1,848c	63c	3.53
09-Jul	1,785c	103c	6.13
08-Jul	1,682c	72c	4.12
07-Jul	1,754c	23c	1.31
06-Jul	1,778c	7c	0.38
02-Jul	1,771c	42c	2.45
01-Jul	1,728c	12c	0.72
30-Jun	1,716c	35c	2.06
29-Jun	1,682c	2c	0.12
26-Jun	1,679c	3c	0.15
25-Jun	1,682c	19c	1.09
24-Jun	1,701c	59c	3.34
23-Jun	1,759c	60c	3.32
22-Jun	1,820c	64c	3.37
19-Jun	1,883c	293c	18.39
17-Jun	1,591c	19c	1.19
16-Jun	1,610c	106c	7.07
15-Jun	1,504c	38c	2.61
12-Jun	1,465c	65c	4.60
11-Jun	1,401c	15c	1.04
10-Jun	1,416c	0	0

Stock Checklist

Price is above from 52 week high low average: 79%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

No mutual fund holding data available.

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