ESAF Small Finance Bank Ltd: Stock Analysis & Fundamentals

Updated this week

ESAF Small Finance Bank Ltd (Banks - Small Finance) — fundamental analysis, earnings data, and key metrics. ROE: -23.5%. This stock is not currently in the Nifty 500 momentum outperformers list.

What's Happening

📊Debt increased 50% YoY — leverage rising

Key Numbers

Current Price

₹21

Market Cap

1.1K Cr

Valuation

N/A

← Back to Banks - Small Finance Dashboard

Frequently Asked Questions: ESAF Small Finance Bank Ltd

Based on publicly available financial data. This is educational research, not investment advice.

What were ESAF Small Finance Bank Ltd's latest quarterly results?

ESAF Small Finance Bank Ltd's latest quarterly results (Dec 2025) show

PAT Growth YoY: +103.4%
Revenue Growth YoY: -5.7%
Net Interest Margin: -29.11%
Gross NPA: 5.64%

What is ESAF Small Finance Bank Ltd's price-to-book ratio?

ESAF Small Finance Bank Ltd's price-to-book ratio is 0.6x.

Price-to-Book (P/B): 0.6x
Book Value per Share: ₹34
Current Price: ₹21

Is ESAF Small Finance Bank Ltd a fundamentally strong company?

ESAF Small Finance Bank Ltd's fundamental strength based on key financial ratios

Return on Equity (ROE): -23.0%

Is ESAF Small Finance Bank Ltd debt free?

ESAF Small Finance Bank Ltd has a debt-to-equity ratio of N/A.

Total Debt: ₹2,000 Cr

What is ESAF Small Finance Bank Ltd's return on equity (ROE) and ROCE?

ESAF Small Finance Bank Ltd's return ratios over recent years

FY2023: ROE 19.0%
FY2024: ROE 20.0%
FY2025: ROE -23.0%

Is ESAF Small Finance Bank Ltd's cash flow positive?

ESAF Small Finance Bank Ltd's operating cash flow is positive (FY2025).

Cash from Operations (CFO): ₹3,000 Cr
Free Cash Flow (FCF): ₹2,000 Cr

What is ESAF Small Finance Bank Ltd's dividend yield?

ESAF Small Finance Bank Ltd currently does not pay a significant dividend (yield 0.00%).

Dividend Yield: 0.00%
Current Price: ₹21

Who holds ESAF Small Finance Bank Ltd shares — promoters, FII, DII?

ESAF Small Finance Bank Ltd's shareholding pattern (Dec 2025)

Promoters: 63.3%
FII (Foreign): 0.0%
DII (Domestic): 5.0%
Public: 31.7%

Is promoter holding increasing or decreasing in ESAF Small Finance Bank Ltd?

ESAF Small Finance Bank Ltd's promoter holding has decreased recently.

Current Promoter Holding: 63.3% (Dec 2025)
Previous Quarter: 63.3% (Sep 2025)
Change: -0.01% (decreasing — worth monitoring)

Is ESAF Small Finance Bank Ltd a new momentum entry or an established outperformer?

ESAF Small Finance Bank Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.

Is ESAF Small Finance Bank Ltd worth studying for long term investment?

Based on quantitative research signals, here is why ESAF Small Finance Bank Ltd may be worth studying

Cash flow is positive — CFO ₹3,000 Cr

What is the investment thesis for ESAF Small Finance Bank Ltd?

ESAF Small Finance Bank Ltd investment thesis summary:

What is the future outlook for ESAF Small Finance Bank Ltd?

ESAF Small Finance Bank Ltd's forward outlook based on current data signals

Insufficient data for a forward assessment — monitoring for more signals

The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.