ESAF Small Finance Bank Limited
ESAF Small Finance Bank Limited operates in Other Bank, part of the Financial Services sector. It booked ₹1,175 cr of revenue in its latest quarter (Q2 FY27) and kept 13.6% of sales as profit. It is the 6th largest of 9 Other Bank companies we track, by market value.
| Segment | FY25 | FY26 | Share |
|---|---|---|---|
| Retail | 3,530 | 3,662 | 82% → 84% |
| Treasury | 535 | 405 | 12% → 9% |
| Other Banking Operations | 123 | 178 | 3% → 4% |
| Wholesale | 142 | 103 | 3% → 2% |
| NA | 0 | 0 | 0% → 0% |
| Total | 4,329 | 4,348 |
From the company's standalone segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 78% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 192–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 48
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in ESAFSFB?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹1,175 cr |
| Other Income | ₹213 cr |
| Total Income | ₹1,388 cr |
| Interest Expended | ₹531 cr |
| Employee Cost | ₹180 cr |
| Other Operating Expenses | ₹314 cr |
| Total Expenditure | ₹1,026 cr |
| Operating Profit before Provisions | ₹362 cr |
| Provisions & Contingencies | ₹148 cr |
| Profit before Tax | ₹215 cr |
| Tax Expense | ₹54 cr |
| Net Profit | ₹160 cr |
| Net margin on total income | 11.5% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 1,196 cr | 1,098 cr | 1,175 cr |
| Total income | 1,196 cr | 1,346 cr | 1,388 cr |
| Expenses | — | — | — |
| Profit before tax | 27 cr | 107 cr | 215 cr |
| Tax | 4 cr | 27 cr | 54 cr |
| Net profit (owners' share) | 24 cr | 80 cr | 160 cr |
| Net margin (owners' share, on revenue) | 2.0% | 7.3% | 13.6% |
| EPS (₹) | 0.46 | 1.55 | 3.10 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| AU Small Finance Bank Limited | ₹880 | ₹66,120 cr | 19.2 | 15.7% | 15.3% | — |
| Ujjivan Small Finance Bank Limited | ₹57 | ₹11,082 cr | 7.6 | 19.4% | 17.0% | — |
| Equitas Small Finance Bank Limited | ₹53 | ₹6,024 cr | 6.9 | 13.3% | 10.6% | — |
| Jana Small Finance Bank Limited | ₹377 | ₹3,994 cr | 5.9 | 13.8% | 10.7% | — |
| Utkarsh Small Finance Bank Limited | ₹12 | ₹2,164 cr | — | -4.9% | -3.8% | — |
| ESAF Small Finance Bank Limitedthis company | ₹41 | ₹2,110 cr | 3.3 | 31.7% | 13.6% | — |
| Suryoday Small Finance Bank Limited | ₹138 | ₹1,469 cr | 4.8 | 13.8% | 10.9% | — |
| Capital Small Finance Bank Limited | ₹270 | ₹1,230 cr | 6.7 | 12.0% | 15.2% | — |
| Fino Payments Bank Limited | ₹116 | ₹962 cr | — | -10.8% | -28.1% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.7 / share | 7 Aug 2024 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.