ESAF Small Finance Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from ESAF Small Finance Bank's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 22% in 3 years, but profit fell: ₹103 less profit per ₹100 of extra sales. Lower than 94% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 84% of Financial Services companies in India.
Growth Efficiency Ratio
−₹103Sales grew 22% in 3 years, but profit fell: ₹103 less profit per ₹100 of extra sales.
Lower than 94% of Financial Services companies in India.
Asset Productivity Ratio
+22% / +53%In 3 years sales changed by +22% while total assets changed by +53%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
ESAF Small Finance Bank made a loss over the last year. ESAF Small Finance Bank owes ₹0.94 for every ₹1 it owns. ESAF Small Finance Bank made a loss in each of the last two years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
LossESAF Small Finance Bank made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
1.18The share price is 1.18 times ESAF Small Finance Bank's book value per share, lower than 58% of Financial Services companies in India.
Market cap
₹2,109 CrThe total market value of all of ESAF Small Finance Bank's shares at today's price (share price × number of shares), smaller than 57% of Financial Services companies in India. PosiCap size class: Mini Cap.
Net worth (book value)
₹1,787 CrWhat ESAF Small Finance Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹34.61Net worth divided by the number of shares. The share price of ₹40.86 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
-0.3%ESAF Small Finance Bank lost 0.3% of its shareholders' money over the last year, lower than 94% of Financial Services companies in India.
Owes vs Owns
0.94×ESAF Small Finance Bank owes ₹0.94 for every ₹1 it owns (high), higher than 96% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneESAF Small Finance Bank does not currently pay a dividend.
Revenue growth
-0%Revenue fell 0% in the year to Mar 2026, and grew 7% a year on average over 3 years.
Profit growth
LossESAF Small Finance Bank made a loss in each of the last two years.
Profit margin
-6.6%ESAF Small Finance Bank lost ₹7 for every ₹100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For ESAF Small Finance Bank: ₹2,109 Cr ÷ ₹1,787 Cr (31 Mar 2026) = 1.2.
What is ESAF Small Finance Bank's return on equity?
ESAF Small Finance Bank lost 0.3% of its shareholders' money over the last year, lower than 94% of Financial Services companies in India.
How much does ESAF Small Finance Bank owe compared with what it owns?
ESAF Small Finance Bank owes ₹0.94 for every ₹1 it owns (high), higher than 96% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does ESAF Small Finance Bank pay a dividend?
No. ESAF Small Finance Bank does not currently pay a dividend.
Is ESAF Small Finance Bank's revenue growing?
Revenue fell 0% in the year to Mar 2026, and grew 7% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.