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Discovery themes featuring this stockDiscovery themes featuring this stock| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
66.66 | 7,627 Cr | 14.94 | 1.24 | 0.00 | 8.33 | 6.83 | 0.18 | ||
404.30 | 4,278 Cr | 11.27 | 0.96 | 0.00 | 8.49 | 6.78 | 0.79 | ||
12.17 | 2,166 Cr | -2.29 | 0.78 | 0.00 | -34.06 | 2.26 | -4.16 | ||
40.78 | 2,105 Cr | -412.69 | 1.18 | 0.00 | -0.29 | 6.12 | -0.60 | ||
138.90 | 1,476 Cr | 7.70 | 0.71 | 1.08 | 9.23 | 6.91 | 0.89 | ||
260.95 | 1,186 Cr | 7.87 | 0.80 | 1.91 | 10.12 | 6.22 | 1.23 | ||
126.25 | 1,051 Cr | 50.08 | 1.30 | 0.00 | 2.61 | 2.83 | 1.10 | ||
| Median: 7 Co. | — | 126.25 | 2,105 Cr | 7.87 | 0.96 | 0.00 | 8.33 | 6.22 | 0.79 |
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ESAF Small Finance Bank Limited is a scheduled Indian small finance bank focused on micro, retail, MSME, agri and select corporate banking, operating an expanding branch footprint across largely rural and semi-urban geographies and offering deposits, lending, cards and digital banking services under the ESAF brand.
Q1 FY27 was a structural inflection: total business crossed INR 50,140 crores, gross advances grew 27% year-on-year to INR 23,216 crores, deposits rose 19% to INR 26,924 crores, and PPOP improved strongly to INR 349 crores, reflecting disciplined pricing, lower slippages and improved fee income.
The bank has materially rebalanced its portfolio under the MARG strategy with secured lending at 62% of advances and the MARG portfolio at INR 12,909 crores (42% growth YoY), which now represents roughly 56% of the loan book and is a primary medium-term growth engine.
Emerging household loans are a clear strategic focus: the segment grew 185% YoY, contributes 32% of gross advances, targets ticket sizes under INR 10 lakhs, and represents customer progression from microfinance to mainstream retail relationships that can deepen lifetime value.
Operational resilience has returned: GNPA declined to 5.4% and net NPA to 0.8% with substantially lower slippages; management targets credit cost to moderate to around 2% by year-end and ROA to reach 2% by FY27 exit, underpinned by ongoing technology and underwriting investments.
Banks
Other Bank
2,105 Cr
Low Risk
-412.7
11.8
—
1.2
45.90
19.74
Sales CAGR
Profit CAGR
ROE
ROCE
Upcoming Result Date: Oct 28, 2026
ESAF Small Finance Bank Ltd (ESAFSFB) is currently trading at 38.75 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
ESAF Small Finance Bank Limited is a scheduled Indian small finance bank focused on micro, retail, MSME, agri and select corporate banking, operating an expanding branch footprint across largely rural and semi-urban geographies and offering deposits, lending, cards and digital banking services under the ESAF brand. Q1 FY27 was a structural inflection: total business crossed INR 50,140 crores, gross advances grew 27% year-on-year to INR 23,216 crores, deposits rose 19% to INR 26,924 crores, and PPOP improved strongly to INR 349 crores, reflecting disciplined pricing, lower slippages and improved fee income. The bank has materially rebalanced its portfolio under the MARG strategy with secured lending at 62% of advances and the MARG portfolio at INR 12,909 crores (42% growth YoY), which now represents roughly 56% of the loan book and is a primary medium-term growth engine. Emerging household loans are a clear strategic focus: the segment grew 185% YoY, contributes 32% of gross advances, targets ticket sizes under INR 10 lakhs, and represents customer progression from microfinance to mainstream retail relationships that can deepen lifetime value. Operational resilience has returned: GNPA declined to 5.4% and net NPA to 0.8% with substantially lower slippages; management targets credit cost to moderate to around 2% by year-end and ROA to reach 2% by FY27 exit, underpinned by ongoing technology and underwriting investments.
Over the past 52 weeks, ESAF Small Finance Bank Ltd has traded between a low of ₹19.74 and a high of ₹45.90. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
ESAF Small Finance Bank Ltd has a market capitalization of approximately 2,104.74. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
ESAF Small Finance Bank Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of -412.69 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 2,104.74 Cr, ESAF Small Finance Bank Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
ESAF Small Finance Bank Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of ESAF Small Finance Bank Ltd is -412.69. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
ESAF Small Finance Bank reported a standalone net profit of ₹80.08 crore in Q1 FY27, compared with a standalone net loss of ₹81.22 crore in Q1 FY26.
The bank informed exchanges that its total business crossed Rs 50,000 crore on June 11, 2026 under a Regulation 30 SEBI LODR intimation.
The provided Q4 summary states results were announced on April 30, 2026, while a separate preview note mentions a May 8, 2026 board meeting for approval of audited results.
ESAF Small Finance Bank announced its Q4 FY26 results on April 30, 2026, as per the official NSE and BSE exchange filings.
