Widely used:Recently Viewed
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
₹1,685 Cr
Revenue (TTM)
₹3,862 Cr
Net Profit (TTM)
₹-521 Cr
ROE
20.3 %
ROCE
14.5 %
P/E Ratio
--
P/B Ratio
0.9
Industry P/E
28.17
EV/EBITDA
5.8
Div. Yield
0 %
Debt to Equity
--
Book Value
₹37.7
EPS
₹-10.1
Face value
10
Shares outstanding
515,427,452
CFO
₹1,129.84 Cr
EBITDA
₹193.51 Cr
Net Profit
₹1,196.46 Cr
|
Company
|
YTD
|
1 Month
|
3 Months
|
1 Year
|
3 Years
|
5 Years
|
10 Years
|
|---|---|---|---|---|---|---|---|
|
ESAF SF Bank
| -25.0 | 4.2 | 11.8 | -42.2 | -- | -- | -- |
|
BSE Bankex
| 10.4 | 1.1 | 9.4 | 8.5 | 18.6 | 20.2 | 11.7 |
|
BSE Small Cap
| -3.1 | 3.1 | 12.3 | 2.2 | 30.1 | 33.2 | 16.9 |
|
Company
|
2024
|
|---|---|
|
ESAF SF Bank
| -39.0 |
|
BSE Small Cap
| 29.0 |
|
BSE Bankex
| 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
|
31.5 | 1,685.5 | 3,862.3 | -521.4 | 3.8 | -22.3 | -- | 0.9 |
| 801.0 | 59,212.5 | 16,063.7 | 2,105.9 | 12.8 | 12.7 | 28.1 | 3.4 | |
| 289.4 | 1,309.9 | 908.5 | 131.7 | 10.9 | 10.1 | 9.9 | 1.0 | |
| 66.7 | 7,708.4 | 6,311.7 | 147.1 | 6.7 | 2.4 | 52.4 | 1.3 | |
| 513.0 | 5,398.7 | 4,709.8 | 501.4 | 9.6 | 12.6 | 10.8 | 1.3 | |
| 106.8 | 11,881.8 | 12,541.1 | 2,086.3 | 14.3 | 15.1 | 5.7 | 0.8 | |
| 142.0 | 1,499.2 | 1,953.8 | 115.0 | 8.8 | 6 | 13 | 0.8 | |
| 48.8 | 9,500.6 | 6,354.4 | 726.1 | 13.3 | 14.3 | 13.1 | 1.6 | |
| 23.7 | 2,613.0 | 3,764.9 | 23.7 | 10.8 | 0.8 | 110.2 | 0.9 |
6 min read•By Kunal Bansal
ESAF Small Finance Bank provides banking products and services in India. It offers savings, current, and NRI accounts; fixed, recurring, and social deposits; and debit cards. The company provides used and new car, two and three-wheeler, light... commercial vehicle, school, personal, lease rental discounting, education, dairy development, MSME, dream home, clean energy, business, micro housing, gold, agricultural loans, and other loans; salary overdrafts and loans against property; micro-finance; payment services; national pension system; investment products; mobile, Internet, and SMS banking, etc.; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank operates as a subsidiary of ESAF Financial Holdings Private Limited. Read more
Incorporated
2016
Chairman
Ravimohan Periyakavil Ramakrishnan
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 total asset value of ESAF Small Finance Bank Ltd stood at ₹ 27,178 Cr as on 31-Mar-25
The share price of ESAF Small Finance Bank Ltd is ₹31.50 (NSE) and ₹31.55 (BSE) as of 24-Jun-2025 15:04 IST. ESAF Small Finance Bank Ltd has given a return of -42.18% in the last 1 years.
ESAF Small Finance Bank Ltd has a market capitalisation of ₹ 1,685 Cr as on 24-Jun-2025. As per Value Research classification, it is a Small Cap company.
The P/B ratio of ESAF Small Finance Bank Ltd is 0.87 times as on 24-Jun-2025, a 31% discount to its peers’ median range of 1.27 times.
Since, TTM earnings of ESAF Small Finance Bank Ltd is negative, P/E ratio is not available.
Step 1. Open a demat account through a broker. You would need to provide your email, PAN, bank account details, aadhar details, etc., for KYC
Step 2. Sign in to the broker’s application through a mobile app or website. Use the Login ID and password provided by your broker.
Step 3. Transfer funds from your bank account into the wallet present in your brokerage account.
Step 4. Search for the ESAF Small Finance Bank Ltd and enter the required number of quantities and click on buy to purchase the shares of ESAF Small Finance Bank Ltd.
ESAF Small Finance Bank provides banking products and services in India. It offers savings, current, and NRI accounts; fixed, recurring, and social deposits; and debit cards. The company provides used and new car, two and three-wheeler, light commercial vehicle, school, personal, lease rental discounting, education, dairy development, MSME, dream home, clean energy, business, micro housing, gold, agricultural loans, and other loans; salary overdrafts and loans against property; micro-finance; payment services; national pension system; investment products; mobile, Internet, and SMS banking, etc.; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank operates as a subsidiary of ESAF Financial Holdings Private Limited.
The prominent promoters of ESAF Small Finance Bank Ltd are
| Name of promoters | Holding percentage |
|---|---|
|
Esaf Financial Holdings Private Limited |
52.88%
|
|
Paul Thomas |
6.05%
|
|
Esaf Swasraya Multistate Agro Cooperative Society Limited |
4.35%
|
The chairman of the company is Ravimohan Periyakavil Ramakrishnan, and the managing director is Kadambelil Paul Thomas.
There is no promoter pledging in ESAF Small Finance Bank Ltd.
Some of the close peers are:
| Company | Market Cap(₹ Cr) |
|---|---|
|
9,328
|
|
|
7,348
|
|
|
5,124
|
|
|
2,545
|
|
|
1,485
|
|
|
1,325
|
|
|
59,227
|
|
|
11,463
|
|
|
9,328
|
| ESAF Small Finance Bank Ltd | Ratios |
|---|---|
|
Return on equity(%)
|
-22.29
|
|
Operating margin(%)
|
3.83
|
|
Net Margin(%)
|
-12.04
|
|
Dividend yield(%)
|
0
|
No, TTM profit after tax of ESAF Small Finance Bank Ltd was ₹-521 Cr.
₹-0.78
(
