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ESAF SF Bank Key Ratios

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NSE: ESAFSFB | BSE: 544020

₹41.41

up-down-arrow ₹-0.26 (-0.62%)

As on 04-Sep-2026 15:59IST

Market cap

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₹2,152 Cr

Revenue (TTM)

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₹3,807 Cr

P/E Ratio

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--

P/B Ratio

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1.2

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Interest Income 10.32 32.54 3.91 7.53 16.60
Interest Expended 7.62 14.06 4.46 20.56 20.62
Net Interest Income 12.81 54.57 3.36 -1.28 13.02
EPS 240.45 198.50 99.22 -124.00 -206.59
Book Value -- -- -8.52 -3.17 2.79
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
Net NPAs info 2.342.410.831.772.99
Net Interest Margin info 7.697.827.905.837.87
Net Margin info -1.961.26-0.11-3.83-12.04
Return on equity info -4.062.24-0.29-8.93-23.53
Return on Assets info -0.230.25-0.02-0.57-1.96

Income Statement

View Detailed Peer Comparison

Provisions and Contingencies

--

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
--
1,523.46
611.29
735.60
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Profitability

View Detailed Peer Comparison

Yield on Advances

--

--

Interest Earned as per cent of total advances

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
16.38
21.40
20.87
20.49
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Yield on Investments

--

--

(Interest on investments + net profit on investments) / total investments

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
7.71
8.03
6.74
6.70
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Spread

--

--

[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
9.96
14.06
14.60
14.85
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
NIM

7.90

--

(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
7.90
5.83
7.87
9.38
9.38
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

-0.29

Lower than Peers by 9.12

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
-0.29
-8.93
-23.53
20.29
19.41
Peer Median
8.83
7.63
20.17
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

-0.02

Lower than Peers by 1.10

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
-0.02
-0.57
-1.96
1.84
1.59
Peer Median
1.08
0.76
1.99
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cost to Income Ratio

--

--

Operating expenses / (Interest earned - Interest Expended + Other Income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
71.64
77.88
58.65
57.93
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

3.91

Lower than Peers by 12.75

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
3.91
-8.30
1.02
33.81
47.10
Peer Median
16.66
14.72
17.34
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

209.71

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
209.71
27.80
-52.08
30.10
1,81,603.91
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

3.36

Higher than Peers by 26.27

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
3.36
68.08
-222.52
40.76
452.39
Peer Median
-22.91
71.50
-46.76
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

99.22

Higher than Peers by 138.39

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
99.22
68.10
-222.36
22.90
452.39
Peer Median
-39.16
70.85
-46.80
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
-8.48
-21.77
45.46
21.49
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

-421.96

Lower than Peers by 438.32

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
-421.96
--
--
6.56
--
Peer Median
16.36
16.36
25.43
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.16

Lower than Peers by 0.08

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
1.16
0.58
0.65
1.12
--
Peer Median
1.24
1.24
1.26
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
--
--
--
1.29
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

4.05

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
4.05
5.31
4.79
5.17
4.26
Peer Median
--
-7.61
44.78
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

2,152

Lower than Peers by 3,533

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
ESAF SF Bank
2,152
1,026
1,264
2,790
--
Peer Median
5,685
5,685
5,191
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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