ESAF SF Bank Financials
NSE: ESAFSFB | BSE: 544020
₹39.61
₹-0.78
(-1.93%)
As on 11-Sep-2026IST
Market cap
₹2,050 Cr
Revenue (TTM)
₹3,807 Cr
P/E Ratio
--
P/B Ratio
1.1
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
3,806.72
|
3,537.18
|
3,857.53
|
3,818.53
|
2,853.60
|
1,939.93
|
|
|
|
|
|
|
Other Income
|
864.16
|
811.05
|
471.77
|
441.72
|
287.97
|
207.58
|
|
|
|
|
|
|
Total Income
|
4,670.88
|
4,348.23
|
4,329.30
|
4,260.25
|
3,141.57
|
2,147.51
|
|
|
|
|
|
|
Interest Expended
|
1,908.50
|
1,837.44
|
1,810.68
|
1,448.73
|
1,017.32
|
792.79
|
|
|
|
|
|
|
Operating Expenses
|
1,826.34
|
1,798.82
|
1,961.51
|
1,648.83
|
1,230.54
|
862.87
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
936.04
|
711.97
|
557.11
|
1,162.69
|
893.71
|
491.85
|
|
|
|
|
|
|
Provisions and Contingencies
|
948.22
|
940.38
|
1,250.08
|
592.27
|
487.67
|
418.00
|
|
|
|
|
|
|
Profit Before Tax
|
-12.18
|
-228.40
|
-692.97
|
570.42
|
406.04
|
73.85
|
|
|
|
|
|
|
Taxes
|
-7.08
|
-62.00
|
-171.58
|
144.85
|
103.71
|
19.12
|
|
|
|
|
|
|
Profit after Tax
|
-5.10
|
-166.40
|
-521.39
|
425.57
|
302.33
|
54.73
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
-5.10
|
-166.40
|
-521.39
|
425.57
|
302.33
|
54.73
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
1,786.53
|
1,786.54
|
1,949.05
|
2,491.79
|
1,715.00
|
1,411.60
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
25,850.16
|
25,850.16
|
23,276.44
|
19,867.80
|
14,665.62
|
12,815.07
|
|
|
|
|
|
|
Borrowings
|
2,752.74
|
2,752.74
|
1,405.73
|
3,222.53
|
3,354.20
|
2,952.83
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
478.55
|
478.55
|
547.07
|
504.77
|
488.86
|
528.06
|
|
|
|
|
|
|
Total Liabilities
|
30,867.98
|
30,867.98
|
27,178.29
|
26,086.89
|
20,223.68
|
17,707.56
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
1,113.71
|
1,113.71
|
1,351.43
|
1,364.65
|
739.55
|
1,300.67
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
60.82
|
60.82
|
627.68
|
58.28
|
27.50
|
211.24
|
|
|
|
|
|
|
Investments
|
6,399.11
|
6,399.11
|
5,995.26
|
5,541.02
|
4,888.53
|
4,070.30
|
|
|
|
|
|
|
Advances
|
21,594.22
|
21,594.23
|
18,027.87
|
18,293.11
|
13,924.33
|
11,637.01
|
|
|
|
|
|
|
Net Block
|
515.98
|
226.16
|
237.12
|
204.94
|
187.69
|
159.40
|
|
|
|
|
|
|
Other Assets
|
1,184.14
|
1,184.14
|
875.62
|
622.28
|
455.85
|
328.88
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
30,867.98
|
30,867.98
|
27,178.29
|
26,086.89
|
20,223.68
|
17,707.56
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-1,960.29
|
3,176.32
|
1,000.93
|
-570.70
|
-584.50
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-191.67
|
-768.83
|
-582.54
|
-573.22
|
-981.85
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
1,347.37
|
-1,851.62
|
235.10
|
399.07
|
1,258.83
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-804.59
|
555.87
|
653.50
|
-744.86
|
-307.52
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
-0.10
|
-3.23
|
-10.12
|
8.27
|
6.73
|
1.22
|
|
|
|
|
|
|
Cash EPS (₹)
|
-0.10
|
-1.96
|
-8.97
|
9.26
|
7.66
|
1.95
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
36.05
|
34.52
|
37.74
|
48.29
|
38.03
|
31.30
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
--
|
0.70
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-38.02
|
61.63
|
19.44
|
-12.70
|
-13.00
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-60.72
|
34.39
|
7.33
|
-28.06
|
-23.38
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
16.38
|
21.40
|
20.87
|
20.49
|
16.67
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.71
|
8.03
|
6.74
|
6.70
|
5.70
|
|
|
|
|
|
|
Interest Spread
|
--
|
9.96
|
14.06
|
14.60
|
14.85
|
11.64
|
|
|
|
|
|
|
NIM (%)
|
7.90
|
5.83
|
7.87
|
9.38
|
9.38
|
6.66
|
|
|
|
|
|
|
ROE (%)
|
-0.29
|
-8.93
|
-23.53
|
20.29
|
19.41
|
3.97
|
|
|
|
|
|
|
ROA (%)
|
-0.02
|
-0.57
|
-1.96
|
1.84
|
1.59
|
0.36
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
71.64
|
77.88
|
58.65
|
57.93
|
63.69
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
3.91
|
-8.30
|
1.02
|
33.81
|
47.10
|
18.20
|
|
|
|
|
|
|
EBIT Growth (%)
|
209.71
|
27.80
|
-52.08
|
30.10
|
81.70
|
17.95
|
|
|
|
|
|
|
Net Profit Growth (%)
|
3.36
|
68.08
|
-222.52
|
40.76
|
452.39
|
-48.07
|
|
|
|
|
|
|
EPS Growth (%)
|
99.22
|
68.10
|
-222.36
|
22.90
|
452.39
|
-48.07
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
-8.48
|
-21.77
|
45.46
|
21.49
|
4.05
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
-402.02
|
--
|
--
|
6.56
|
--
|
--
|
|
|
|
|
|
|
Price / Book Value
|
1.10
|
0.58
|
0.65
|
1.12
|
--
|
--
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
1.29
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
3.94
|
5.31
|
4.79
|
5.17
|
4.26
|
6.92
|
|
|
|
|
|
|
Close Price (₹)
|
33.50
|
19.86
|
24.59
|
54.45
|
--
|
--
|
|
|
|
|
|
|
High Price (₹)
|
37.20
|
36.20
|
64.50
|
82.40
|
--
|
--
|
|
|
|
|
|
|
Low Price (₹)
|
19.74
|
19.74
|
24.31
|
53.16
|
--
|
--
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
2,049.98
|
1,026.13
|
1,264.50
|
2,790.20
|
--
|
--
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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