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ESAF Small Finance Bank
ESAF Small Finance Bank Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Sep 2026 | 20,701 | -394.6 | 1.14 | 1.26 | 39.46 |
| Sep 2026 | 20,658 | -397.0 | 1.15 | 1.26 | 39.70 |
| Sep 2026 | 20,064 | -430.0 | 1.24 | 1.26 | 43.00 |
| Sep 2026 | 20,064 | -430.0 | 1.24 | 1.26 | 43.00 |
| Sep 2026 | 20,064 | -430.0 | 1.24 | 1.26 | 43.00 |
| Sep 2026 | 20,063 | -430.0 | 1.24 | 1.26 | 43.00 |
| Oct 2026 | 19,549 | -434.0 | 1.25 | 1.26 | 43.40 |
| Oct 2026 | 19,164 | -376.4 | 1.20 | 1.26 | 41.40 |
ESAF Small Finance Bank Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 8,323,200,000.0 | 7,191,200,000.0 | 7,017,200,000.0 | 5,092,200,000.0 |
| Net Profit | 800,800,000.0 | 235,100,000.0 | 71,200,000.0 | -1,158,100,000.0 |
| EPS | 1.6 | 0.5 | 0.1 | -2.2 |
ESAF Small Finance Bank Revenue & Profit: Last 4 Years
| Line Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|
| Revenue | 25,116,532,000.0 | 25,185,244,000.0 | 28,114,281,000.0 | 20,553,944,000.0 |
| Net Profit | -1,664,024,000.0 | -5,213,895,000.0 | 4,255,677,000.0 | 3,023,331,000.0 |
| EPS | -3.2 | -10.1 | 9.0 | 5.9 |
ESAF Small Finance Bank Balance Sheet
| Line Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
| Total Assets | 308,679,774,000.0 | 271,782,894,000.0 | 260,868,821,000.0 | 202,236,790,000.0 | — |
| Total Liabilities | 290,814,405,000.0 | 252,292,406,000.0 | 235,950,886,000.0 | 185,086,755,000.0 | — |
| Total Equity | 17,865,369,000.0 | 19,490,488,000.0 | 24,917,935,000.0 | 17,150,035,000.0 | — |
Owes vs Owns
ESAF Small Finance Bank owed ₹0.94 for every ₹1 it owned in Mar 2026, up from ₹0.92 in Mar 2023.
| Period | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|
| Owes vs Owns | 0.94× | 0.93× | 0.90× | 0.92× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
ESAF Small Finance Bank Assets & Liabilities Breakdown (₹ Cr)
What it owns — Mar 2026
Cash & short-term investments 3.8%Receivables 1.7%Fixed assets (tangible) 1.7%Long-term investments 20.7%Other assets 72.1%
How it's funded — Mar 2026
Long-term debt 7.3%Other liabilities 86.8%Shareholders' equity 5.8%
| Line Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 1,174.5 | 1,979.1 | 1,422.9 | 767.0 |
| Receivables | 513.6 | 383.2 | 386.2 | 256.8 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 516.0 | 300.4 | 207.6 | 187.9 |
| Intangible assets | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term investments | 6,399.1 | 5,995.3 | 5,541.0 | 4,888.5 |
| Other assets | 22,264.7 | 18,520.3 | 18,529.2 | 14,123.4 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term debt | 2,252.7 | 1,405.7 | 2,572.5 | 2,680.2 |
| Payables | 28.5 | 10.4 | 65.5 | 56.2 |
| Other liabilities | 26,800.2 | 23,813.1 | 20,957.1 | 15,772.3 |
| Shareholders' equity | 1,786.5 | 1,949.0 | 2,491.8 | 1,715.0 |
| Net tangible assets | 1,786.5 | 1,949.0 | 2,491.8 | 1,715.0 |
ESAF Small Finance Bank Cash Flow
| Line Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|
| Operating Activities | -19,602,892,000.0 | 31,763,222,000.0 | 10,009,278,000.0 | -5,707,044,000.0 |
| Investing Activities | -1,916,722,000.0 | -7,688,315,000.0 | -5,825,353,000.0 | -5,732,176,000.0 |
| Financing Activities | 13,473,727,000.0 | -18,516,204,000.0 | 2,351,033,000.0 | 3,990,663,000.0 |