ESAF SF Bank Peer Comparison

NSE: ESAFSFB | BSE: 544020

₹43.40

₹-1.12 (-2.52%)

As on 01-Oct-2026IST

Market cap

₹2,241 Cr

Revenue (TTM)

₹3,807 Cr

P/E Ratio

P/B Ratio

1.2

Div. Yield

0 %

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	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Market cap (₹ Cr)	2,241	12,742	7,843	5,111	2,395
Interest Income (₹ Cr)	3,807	7,338	7,106	5,648	3,381
Net Interest Income (₹ Cr)	1,898.22	4,202.39	3,635.01	2,811.29	1,497.01
NIM (%)	7.90	8.50	7.24	7.50	6.10
RoA (%)	-0.02	1.72	0.90	0.88	-3.32
Price to Earnings	--	14.07	15.36	13.46	--
Price-To-Book	1.20	1.81	1.25	1.11	0.89

Income Statement (₹ Cr)

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Interest Earned	3,806.72	7,337.51	7,105.77	5,648.03	3,381.44
Other Income	864.16	1,114.54	1,036.96	984.72	412.03
Total Income	4,670.88	8,452.05	8,142.74	6,632.75	3,793.47
Interest Expended	1,908.50	3,135.12	3,470.76	2,836.74	1,884.43
Operating Expenses	1,826.34	3,419.23	3,317.04	2,562.63	1,880.76
Operating Profit before Prov. & Cont.	711.97	1,710.13	1,264.97	1,165.66	56.35
Provisions and Contingencies	948.22	701.47	685.25	853.64	1,261.43
Profit Before Tax	-228.40	911.03	128.13	326.43	-1,506.62
Taxes	-7.08	290.28	159.23	0.00	-287.74
Profit after Tax	-5.10	905.95	510.45	379.74	-945.42
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	-5.10	905.95	510.45	379.74	-945.42

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Shareholder's Funds	1,786.53	6,815.68	6,124.83	4,470.21	2,775.60
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	25,850.16	45,668.33	46,533.09	35,784.49	21,653.98
Borrowings	2,752.74	3,736.01	5,772.55	5,496.76	2,829.44
Other Liabilities & Provisions	478.55	1,321.19	2,179.89	1,696.27	1,610.05
Total Liabilities	30,867.98	57,541.21	60,610.36	47,447.73	28,869.07

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Cash and Balance with Reserve Bank of India	1,113.71	3,109.67	5,563.29	2,492.17	1,692.15
Balances with Banks and Money at Call	60.82	334.00	103.00	66.01	629.08
Investments	6,399.11	12,724.25	10,148.83	9,812.00	6,914.05
Advances	21,594.22	39,760.55	42,751.29	33,827.69	18,069.59
Net Block	226.16	457.27	526.56	190.68	332.70
Other Assets	1,184.14	1,119.67	1,328.67	1,051.18	1,106.38
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	30,867.98	57,541.21	60,610.36	47,447.73	28,869.07

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Cash From Operating Activities	-1,960.29	1,843.20	-3,315.83	593.64	780.69
Cash Flow from Investing Activities	-191.67	-2,480.67	-185.42	-4,132.66	-3,308.58
Cash from Financing Activities	1,347.37	911.35	3,641.25	1,640.54	1,412.49
Net Cash Inflow / Outflow	-804.59	273.88	140.00	-1,898.47	-1,115.39

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Yield on Advances	16.38	17.43	15.89	15.82	18.70
Yield on Investments	7.71	7.23	8.45	5.60	6.41
Interest Spread	9.96	11.24	9.39	9.14	10.93
NIM (%)	7.90	8.50	7.24	7.50	6.10
ROE (%)	-0.29	13.79	8.52	8.65	-36.58
ROA (%)	-0.02	1.72	0.90	0.88	-3.32
Cost to Income Ratio	71.64	65.65	71.67	67.76	97.05

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Revenue Growth (%)	3.91	14.72	10.00	18.46	-8.11
EBIT Growth (%)	27.80	1.24	-5.19	-1.87	-94.40
Net Profit Growth (%)	99.23	71.50	598.15	-12.26	-167.69
EPS Growth (%)	99.17	70.85	597.90	-12.60	-103.30
Book Value Growth (%)	-8.48	12.04	0.82	8.16	-42.22

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Price / Earnings	-439.47	14.07	15.36	13.46	-2.53
Price / Book Value	1.20	1.81	1.25	1.11	0.89
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00
EV/EBITDA	53.13	16.64	25.00	32.37	-7.57
Market Cap (₹ Cr)	1,026.13	9,816.32	5,896.04	3,788.22	1,818.80

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.