ESAF Small Finance Bank Limited
₹44.01▲ +0.33 (+0.76%)
ESAFSFB·NSE·Financial Services
Market Cap
2283.32 Cr
PE Ratio
-400.70
Volume
5,89,268
Day High - Low
44.98 - 43.50
52W High-Low
46.00 - 19.78
₹44.01▲ +0.33 (+0.76%)
Market Cap2283.32 Cr
PE Ratio-400.70
Volume5,89,268
Day High - Low44.98 - 43.50
52W High-Low46.00 - 19.78
ESAF Small Finance Bank Limited (ESAFSFB): company summary
The company's annual net profit fell to a loss of ₹166 crore, narrowing from a loss of ₹521 crore a year earlier.
ESAF Small Finance Bank Limited (ESAFSFB) is a micro-cap Financial Services company valued at ₹2,283 crore operating in Other Bank on the NSE and BSE.
- Recent price move
- ESAF Small Finance Bank Limited last traded at ₹44.01, modestly up 0.76% on the day.
- Financial performance
- The company's annual net profit fell to a loss of ₹166 crore, narrowing from a loss of ₹521 crore a year earlier. The latest quarter showed a loss of ₹166 crore, compared to a loss of ₹166 crore in the same quarter a year earlier. The net profit margin is -4.7%, and return on equity is -8.9%, while return on capital employed is 5.7%.
- Valuation multiples
- A price-to-earnings ratio is not meaningful here because the company is loss-making; the stock trades at 1.16 times book value.
- Things to watch
- The company has swung from a net profit of ₹302 crore to a loss of ₹166 crore over three years, indicating instability. The net profit margin is -4.7%, showing poor profitability. The company has a low interest coverage ratio, which could signal financial stress.
- Where it stands
- The DocStoX verdict of avoid follows from the company's significant loss and poor profitability. The most critical factor is the net profit margin of -4.7%, which indicates the company is not generating enough income to cover its costs.
Summarised by DocStoX's model on 2026-09-08 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.
DocStoX Score
4.1/10
Weak
Fair Value
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ROE
-9.35%
Weak
P/E
-400.70x
Loss-making
Debt / Equity
0.00
Low
Industry
Financial Services
Other Bank
Overall View
Mixed
Price performance
Day₹43.50
₹44.98
52W₹19.78
₹46.00
DocStoX take
Supported by momentum (7.5) and valuation (6.0), but held back by quality (1.0). Momentum looks strong at 7.5, but that is offset by quality at 1.0. We are calling it Mixed rather than resolving the conflict for you. Scored on 4 of 5 measures.
DocStoX score
Low confidence4.1
/10
Weak
Quality
Weak
ROE -9.3%
Valuation
Fair
P/B 1.2× on assets (no earnings to value)
Growth
No data
No multi-year history
Risk
Moderate
D/E 0.00 (lender)
Momentum
Strong
92% of 52-week range
Scored on 4 of 5 measures — the rest have no data for this company.
At a glance
Market Cap
₹2,283 Cr
52W High / Low
₹46 / ₹20
Dividend Yield
1.73%
Promoter Holding
63.23%
EPS (TTM)
₹-3.23
Book Value
₹34.52
Key highlights
- Loss-making — no meaningful P/E
- Loss-making in some of the last 5 years
0 Positives3 Watchouts
Growth
Financials
Technicals
Peers
News
Forecasts
About the company
More data
Filings, corporate actions and ownership detail — opened on demand.
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Fair ValueOur fair-value estimate, upside, and Bear/Base/Bull scenarios.Intrinsic ValueGraham & earnings-power intrinsic value with margin of safety.DCFDiscounted cash flow — free cash flow, growth, value per share.ValuationP/E, P/B, earnings yield and the full multiples picture.Financial RatiosProfitability, leverage and efficiency ratios at a glance.PeersHow it stacks up against its closest listed competitors.
ESAF Small Finance Bank Limited peers in Financial Services
Other Financial Services stocks on the NSE & BSE. See the full Financial Services sector list.
HDFC Bank LimitedICICI Bank LimitedState Bank of IndiaBajaj Finance LimitedLife Insurance Corporation Of IndiaKotak Mahindra Bank LimitedAxis Bank LimitedBajaj Finserv LimitedShriram Finance LimitedSBI Life Insurance Company LimitedJio Financial Services LimitedICICI Prudential Asset Management Company Limited
Compare ESAF Small Finance Bank Limited with peers
ESAF Small Finance Bank Limited vs HDFC Bank LimitedESAF Small Finance Bank Limited vs ICICI Bank LimitedESAF Small Finance Bank Limited vs State Bank of IndiaESAF Small Finance Bank Limited vs Bajaj Finance LimitedESAF Small Finance Bank Limited vs Life Insurance Corporation Of IndiaESAF Small Finance Bank Limited vs Kotak Mahindra Bank Limited
Related tools & concepts
Value ESAF Small Finance Bank Limited with the ratios and calculators DocStoX uses in its analysis.
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