ESAF SF Bank Peer Comparison

NSE: ESAFSFB | BSE: 544020

₹42.46

₹-0.48 (-1.12%)

As on 30-Oct-2026IST

Market cap

₹2,190 Cr

Revenue (TTM)

₹4,162 Cr

P/E Ratio

8.1

P/B Ratio

1.1

Div. Yield

0 %

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	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Market cap (₹ Cr)	2,190	10,390	6,112	3,941	1,434
Interest Income (₹ Cr)	4,162	7,809	7,554	5,930	2,471
Net Interest Income (₹ Cr)	2,177.41	4,529.12	3,887.05	3,011.33	1,277.86
NIM (%)	--	8.40	--	7.50	--
RoA (%)	0.91	2.05	1.14	1.03	1.25
Price to Earnings	8.09	9.04	8.68	8.29	6.03
Price-To-Book	1.08	1.40	0.93	0.82	0.65

Income Statement (₹ Cr)

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Interest Earned	4,161.61	7,808.56	7,554.42	5,930.03	2,470.68
Other Income	932.33	1,153.77	1,099.53	966.13	445.56
Total Income	5,093.94	8,962.33	8,653.95	6,896.16	2,916.24
Interest Expended	1,984.20	3,279.44	3,667.37	2,918.70	1,192.82
Operating Expenses	1,904.56	3,586.74	3,469.84	2,649.39	1,243.38
Operating Profit before Prov. & Cont.	711.97	1,710.13	1,264.97	1,165.66	384.06
Provisions and Contingencies	847.44	569.48	593.21	852.96	160.46
Profit Before Tax	-228.40	911.03	128.13	326.43	199.57
Taxes	86.86	377.39	219.17	0.00	81.57
Profit after Tax	270.88	1,149.28	704.36	475.11	238.01
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	270.88	1,149.28	704.36	475.11	238.01

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Shareholder's Funds	2,027.20	7,531.91	6,553.15	4,920.65	2,217.66
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	28,465.63	50,643.01	52,482.72	38,220.80	16,183.72
Borrowings	1,783.67	3,025.53	6,885.81	5,247.91	2,531.95
Other Liabilities & Provisions	413.16	1,434.84	2,524.78	1,725.62	509.73
Total Liabilities	30,867.98	57,541.21	60,610.36	47,447.73	19,883.96

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Cash and Balance with Reserve Bank of India	872.85	2,911.01	6,028.71	3,051.64	1,332.84
Balances with Banks and Money at Call	186.13	70.84	938.26	282.78	218.94
Investments	6,369.93	13,125.76	12,246.50	10,062.07	4,418.16
Advances	23,334.94	44,753.26	46,751.47	35,445.41	14,558.59
Net Block	226.16	457.27	526.56	190.68	293.17
Other Assets	1,339.35	1,239.99	1,506.57	1,026.48	614.45
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	30,867.98	57,541.21	60,610.36	47,447.73	19,883.96

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Cash From Operating Activities	-1,960.29	1,843.20	-3,315.83	593.64	652.33
Cash Flow from Investing Activities	-191.67	-2,480.67	-185.42	-4,132.66	-791.57
Cash from Financing Activities	1,347.37	911.35	3,641.25	1,640.54	412.13
Net Cash Inflow / Outflow	-804.59	273.88	140.00	-1,898.47	272.90

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Yield on Advances	16.38	17.43	15.89	15.82	16.77
Yield on Investments	7.71	7.23	8.45	5.60	6.16
Interest Spread	9.96	11.24	9.39	9.14	10.57
NIM (%)	0.00	8.40	0.00	7.50	0.00
ROE (%)	14.21	16.02	11.11	10.12	11.08
ROA (%)	0.91	2.05	1.14	1.03	1.25
Cost to Income Ratio	71.64	65.65	71.67	67.76	73.67

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Revenue Growth (%)	19.31	20.77	15.83	21.12	25.21
EBIT Growth (%)	27.80	1.24	-5.19	-1.87	-1.32
Net Profit Growth (%)	145.82	175.64	872.17	15.58	264.99
EPS Growth (%)	145.76	174.26	871.17	15.07	264.97
Book Value Growth (%)	-8.48	18.40	0.82	10.98	7.99

	ESAF SF Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Suryoday Small
Price / Earnings	8.08	9.04	8.68	8.29	6.03
Price / Book Value	1.08	1.40	0.93	0.82	0.65
Dividend Yield (%)	0.00	0.00	0.00	0.00	1.11
EV/EBITDA	13.81	11.34	14.90	19.01	71.29
Market Cap (₹ Cr)	1,026.13	9,816.32	5,896.04	3,788.22	1,262.26

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