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Clear AllValue Research Rating
Quality Score 
0/0
Growth Score
0/0
Valuation Score
0/0
Momentum Score
0/0
Today’s Range
52 Week Range
Liquidity
Market cap
₹1,207 Cr
Revenue (TTM)
₹3,436 Cr
Net Profit (TTM)
₹-373 Cr
ROE
-23.5 %
ROCE
-10.9 %
P/E Ratio
--
P/B Ratio
0.7
Industry P/E
30.09
EV/EBITDA
2.2
Div. Yield
0 %
Debt to Equity
0.7
Book Value
₹34
EPS
₹-7.2
Face value
10
Shares outstanding
515,662,613
CFO
₹4,306.16 Cr
EBITDA
₹-966.44 Cr
Net Profit
₹675.07 Cr
|
Company
|
YTD
|
1 Month
|
3 Months
|
1 Year
|
3 Years
|
5 Years
|
10 Years
|
|---|---|---|---|---|---|---|---|
|
ESAF SF Bank
| -12.6 | -17.4 | -8.5 | -12.9 | -- | -- | -- |
|
BSE Bankex
| -8.7 | -12.5 | -8.3 | 6.5 | 10.5 | 9.7 | 13.0 |
|
Company
|
2025
|
2024
|
|---|---|---|
|
ESAF SF Bank
| -37.8 | -39.0 |
|
BSE Small Cap
| -6.6 | 29.0 |
|
BSE Bankex
| 15.6 | 6.1 |
5Y Avg -- 3Y Avg -- TTM --
P/E Ratio
--
--Min --Median --Max
P/B Ratio
--
--Min --Median --Max
Earnings Yield (%)
--
Earnings Yield (%) = EBIT / Enterprise value
PEG Ratio
--
Price = Price / Earnings to growth ratio
Company |
Price (₹) | Market Cap (₹ Cr) | Revenue (TTM) | Net Profit (TTM) | OPM (%) | ROE (%) | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
|
ESAF SF Bank
|
23.3 | 1,206.7 | 3,435.5 | -373.1 | -5.6 | -20.2 | -- | 0.7 |
| 903.7 | 67,635.8 | 17,887.8 | 2,313.1 | 11.3 | 13 | 29.2 | 3.6 | |
| 159.0 | 25,695.0 | 21,694.6 | 1,007.3 | 15.4 | 4.1 | 25.5 | 1.0 | |
| 240.2 | 1,090.1 | 1,006.9 | 135.6 | 10.2 | 9.7 | 8 | 0.8 | |
| 34.4 | 31,136.8 | 35,123.2 | 4,787.0 | 3.9 | 12.5 | 6.4 | 0.9 | |
| 56.7 | 6,478.8 | 6,601.9 | -67.5 | 2.1 | -1.1 | -- | 1.1 | |
| 348.4 | 3,670.0 | 5,138.4 | 310.1 | 3.2 | 7.4 | 11.8 | 0.9 | |
| 129.6 | 1,357.3 | 2,029.3 | 68.5 | -0.3 | 3.4 | 19.8 | 0.7 | |
| 53.6 | 10,416.8 | 6,626.4 | 494.1 | 7.3 | 8 | 21.1 | 1.6 | |
| 11.9 | 2,124.8 | 3,421.7 | -960.0 | -9.5 | -35.8 | -- | 0.7 |
6 min read•By Kunal Bansal
ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company offers savings, current, and... NRI accounts; foreign currency non-resident deposit accounts; fixed, recurring, social, and term deposits; personal net, mobile, SMS, missed call, and USSD banking services; and debit and credit cards. It also provides working capital/term, farmer interest group, used and new car, two- and three-wheeler, light commercial vehicle, school, personal, agri gold, lease rental discounting, dream education, gold, dairy development, MSME, dream home, clean energy, business, micro housing, income generation, general, microfinance, QR, micro enterprise, and other loans; as well as ESAF FPO finance; trade receivables e-discounting system; salary overdrafts; and loans against property. In addition, the company offers micro-banking services; unified payment interface services; investment products, including national pension systems; third party financial product distribution, such as life, general, and health insurance, as well as 3-in-1 accounts; treasury services; foreign exchange services comprising purchase and sale of currencies, outward and inward remittances, money transfer service schemes, multicurrency forex card, and non-resident repatriation; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited. Read more
Incorporated
2016
Chairman
--
Managing Director
Kadambelil Paul Thomas
Headquarters
Thrissur, Kerala
Website
Looking for more details about ESAF Small Finance Bank Ltd’s IPO? Explore our IPO Details page.
Our rating system has guided millions of investors in the past 20 years.
The share price of ESAF Small Finance Bank Ltd is ₹23.30 (NSE) and ₹23.30 (BSE) as of 19-Mar-2026 11:14 IST. ESAF Small Finance Bank Ltd has given a return of -12.86% in the last 1 years.
Since, TTM earnings of ESAF Small Finance Bank Ltd is negative, P/E ratio is not available.
The P/B ratio of ESAF Small Finance Bank Ltd is 0.69 times as on 19-Mar-2026, a 22 discount to its peers’ median range of 0.88 times.
PE & PB ratio at the end of financial year.
| Year | P/E Ratio | P/B Ratio |
|---|---|---|
|
2025
|
0.00
|
0.65
|
|
2024
|
6.56
|
1.12
|
|
2023
|
0.00
|
0.00
|
|
2022
|
0.00
|
0.00
|
|
2021
|
0.00
|
0.00
|
The 52-week high and low of ESAF Small Finance Bank Ltd are Rs 36.20 and Rs 23.07 as of 19-Mar-2026.
ESAF Small Finance Bank Ltd has a market capitalisation of ₹ 1,207 Cr as on 19-Mar-2026. As per SEBI classification, it is a Small Cap company.
Before investing in ESAF Small Finance Bank Ltd, assess your goals, risk tolerance, and if the company aligns with your long-term plan. Carefully review its business model, financials, and valuation. Avoid making decisions based on tips or short-term trends.
₹-0.17
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