Board meeting for results: 29 Oct 2026 (NSE event calendar; dates can change) · all upcoming results
Key numbers
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 9 companies in Other Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Net loss in 5 of the last 8 quarters.
- Total income was higher than a year earlier in 2 of the last 4 quarters.
- Dividend paid in 1 of the last 3 financial years.
- Price ₹39.08 on 2026-10-27: -15.0% from the 52-week high, +97.6% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 996 | 950 | 893 | 828 | 820 | 894 | 1,196 | 1,098 |
| Net interest income | 540 | 487 | 436 | 378 | 364 | 432 | 719 | 584 |
| Operating profit | 143 | 127 | 91 | 125 | 93 | 253 | 241 | 349 |
| Other income | 97 | 112 | 143 | 195 | 145 | 269 | 0 | 248 |
| Net profit | -190 | -211 | -183 | -81 | -116 | 7 | 24 | 80 |
| EPS (₹) | -3.69 | -4.10 | -3.56 | -1.58 | 0.00 | 0.14 | 0.46 | 1.55 |
| Gross NPA % | 6.98 | 6.96 | 6.87 | 7.48 | 8.54 | 5.64 | 5.41 | 5.40 |
| Net NPA % | 2.98 | 2.97 | 2.99 | 3.77 | 3.83 | 2.73 | 1.77 | 0.83 |
| Revenue YoY | -17.7% | -5.9% | +33.9% | +32.5% | ||||
| Profit YoY | – | – | – | – |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 3,818 | 3,862 | 4,348 | 4,008 |
| Net profit | 426 | -521 | -166 | -5 |
| EPS (₹) | 8.96 | -10.13 | -3.23 | 2.15 |
| Revenue growth | +1.1% | +12.6% | +9.3% | |
| Profit growth | -222.5% | – | – | |
| Dividend / share (₹) | – | 0.70 | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | +9.3% |
| Net profit | – | – | – |
| EPS | – | – | – |
| Share price | – | -6.6% (2y) | +24.8% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 2,486 | 1,945 | 1,780 |
| Borrowings | 3,223 | 1,406 | 2,753 |
| Cash & equivalents | 0 | 0 | 0 |
| Total assets | 26,087 | 27,178 | 30,868 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | 1,001 | 3,176 | -1,960 |
| Cash from investing | -583 | -769 | -192 |
| Cash from financing | 235 | -1,852 | 1,347 |
| Capex | 0 | 0 | 0 |
| Free cash flow | 1,001 | 3,176 | -1,960 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 17.1% | -26.8% | -9.3% |
Shareholding
| Holder (% of shares) | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Change since Sep 2025 |
|---|---|---|---|---|---|---|
| Promoters | 63.30% | – | 63.28% | 63.25% | 63.23% | -0.07 pts |
| FIIs | 0.16% | – | 0.01% | 0.32% | 0.18% | +0.02 pts |
| DIIs | 5.00% | – | 4.63% | 3.80% | 3.58% | -1.42 pts |
| of which Insurance | 5.00% | – | 4.63% | 3.80% | 3.43% | -1.57 pts |
| Public (non-institutions) | 31.53% | – | 32.08% | 32.64% | 33.00% | +1.47 pts |
| No. of shareholders | 1,13,955 | – | 1,09,246 | 1,07,631 | 1,04,828 | -8.0% |
| Promoter group | % |
|---|---|
| Esaf Financial Holdings Private Limited | 52.81% |
| Paul Thomas | 6.04% |
| Esaf Swasraya Multistate Agro Cooperative Society Limited | 4.34% |
| Beena George | 0.01% |
| Bosco Joseph | 0.01% |
| Mereena Paul | 0.01% |
| Leo Joseph | 0.00% |
| Alok Thomas Paul | 0.00% |
| Emy Acha Paul | 0.00% |
| Savio Joseph | 0.00% |
| Abhishek Joe Paul | 0.00% |
| Benno Joseph | 0.00% |
| Mercy Jimmy | 0.00% |
| Sunny Thomas | 0.00% |
| Ashish Chris Paul | 0.00% |
| Public holders above 1% | % |
|---|---|
| Yusuffali Musaliam Veettil Abdul Kader . | 4.48% |
| Muthoot Finance Limited | 3.63% |
| George Ittan Maramkandathil | 2.58% |
| Edelweiss Life Insurance Company Limited | 1.55% |
1,04,828 shareholders. Pledged: – of promoter shares.
From the company's quarterly shareholding-pattern filings on the exchange (NSE/BSE), latest as of Sep 2026. "pts" = percentage points; the number of shareholders is as filed by the company. No filing on our file for Dec 2025 (shown as –).
Peers in Other Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹63,716 cr | 20.1x | 2.9x | 15.7% | 1.49% | 1.99% | +31.4% | 0.11% |
| UJJIVANSFB | ₹10,815 cr | 9.4x | 1.4x | 16.6% | 1.83% | 2.10% | +35.1% | – |
| EQUITASBNK | ₹7,393 cr | 14.5x | 1.2x | 8.4% | 0.84% | 2.42% | +25.2% | 0.00% |
| JSFB | ₹4,124 cr | 8.6x | 0.8x | 10.3% | 0.95% | 2.34% | – | – |
| UTKARSHBNK | ₹2,100 cr | – | 0.8x | -32.9% | -3.27% | 6.09% | – | – |
| ESAFSFB | ₹2,016 cr | 18.2x | 1.1x | -0.3% | -0.02% | 5.40% | – | – |
| SURYODAY | ₹1,397 cr | 7.3x | 0.7x | 9.6% | 0.96% | 6.60% | +31.9% | – |
| CAPITALSFB | ₹1,172 cr | 7.8x | 0.8x | 10.8% | 1.24% | 2.47% | – | 1.54% |
| FINOPB | ₹1,010 cr | 48.4x | 1.3x | 2.7% | 0.39% | 0.00% | +91.0% | – |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Retail | ₹3,662 cr | 84.2% | ₹-426 cr | -11.6% |
| Treasury | ₹405 cr | 9.3% | ₹-10 cr | -2.4% |
| Other Banking Operations | ₹178 cr | 4.1% | ₹171 cr | 96.0% |
| Wholesale | ₹103 cr | 2.4% | ₹36 cr | 34.5% |
| Capital & Reserves | ₹0 cr | – | ₹0 cr | – |
| Unallocated | ₹0 cr | – | ₹0 cr | – |
| NA | ₹0 cr | – | ₹0 cr | – |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2024-08-07 | Dividend | Dividend - Rs 0.70 Per Share |
| 2024-08-07 | Other | Annual General Meeting |
Latest filings
- Allotment of Securities
ESAF Small Finance Bank Limited has informed the Exchange regarding allotment of equity shares pursuant to exercise of ESOP under ESAF Employee Stock Option Scheme 2019.
- General Updates
ESAF Small Finance Bank Limited has informed the Exchange about Successful completion of migration to the new Core Banking System.
- Analysts/Institutional Investor Meet/Con. Call Updates
ESAF Small Finance Bank Limited has informed the Exchange about Earnings Conference Call on the Unaudited Standalone Financial Results for the quarter and half year ended September 30, 2026.
- General Updates
ESAF Small Finance Bank Limited has informed the Exchange about Upgradation of Core Banking System of the Bank.
- General Updates
ESAF Small Finance Bank Limited has informed the Exchange about upgrading of ESG Score by CareEdge ESG Ratings.
- General Updates
ESAF Small Finance Bank Limited has informed the Exchange about Key Business Updates for the Quarter ended September 30, 2026.
- Outcome of Board Meeting
ESAF Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on September 23, 2026.
- Allotment of Securities
ESAF Small Finance Bank Limited has informed the Exchange regarding allotment of equity shares under ESAF Employee Stock Option Scheme 2019.
- Credit Rating
ESAF Small Finance Bank Limited has informed the Exchange about Credit Rating
- General Updates
ESAF Small Finance Bank Limited has informed the Exchange about General Updates
- Credit Rating
ESAF Small Finance Bank Limited has informed the Exchange about Credit Rating
- Change in Auditors
ESAF Small Finance Bank Limited has informed the Exchange regarding Change in Auditors of the company.
- Change in Director(s)
ESAF Small Finance Bank Limited has informed the Exchange regarding Change in Director(s) of the company.
- Shareholders meeting
ESAF Small Finance Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with…
- Analysts/Institutional Investor Meet/Con. Call Updates
ESAF Small Finance Bank Limited has informed the Exchange about Transcript of the Earnings Call held on August 3, 2026.
Filed by the company on NSE in the last 3 months (routine notices left out). The text under each title is a short extract of the company's own filing; the link opens the full original file on the NSE website. Fetched 27 Oct 2026.
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance Service: Banking activities by Central, Commercial and Saving Banks
| Sector | Financial Services |
| Industry | Other Bank |
| Sub-industry | Other Bank |
| Symbol | ESAFSFB |
| BSE code | 544020 |
| ISIN | INE818W01011 |
| Face value | ₹10.0 |
| Incorporated | 2016-05-05 |
| Website | www.esaf.bank.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-27 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-27.