ESAF Small Fin
NSE: ESAFSFB · Other Bank
Snapshot
Unlock ESAF Small Fin's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
ESAF Small Finance Bank is an Indian financial institution that provides a comprehensive range of banking products, including savings accounts, deposits, and diverse loan portfolios. The bank focuses on financial inclusion, offering micro-finance, MSME loans, and agricultural credit to a broad customer base.
Business Model
The bank generates revenue primarily through net interest margins on its loan portfolio and fee-based income from banking services and payment products. It operates as a subsidiary of ESAF Financial Holdings Private Limited, leveraging a network of branches to mobilise deposits and distribute credit.
Growth Outlook
Growth is expected to be driven by the expansion of its micro-finance and MSME loan books, alongside the digitisation of banking services. The bank continues to focus on deepening its presence in rural and semi-urban markets through its diverse product offerings.
Key Risks
- Asset Quality Risk. As a micro-finance focused lender, the bank is susceptible to high default rates during periods of economic downturn or rural distress.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) guidelines regarding small finance banks could impact operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates may compress net interest margins and affect the bank's cost of funds and loan demand.
- Geographic Concentration. The bank's significant exposure to specific regions in India makes it vulnerable to localised natural disasters or regional economic instability.
Price
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Key Metrics
NET PROFIT
₹-166 Cr
TTM · standalone
EPS
₹-3.23
TTM · standalone
P/E
-11.2x
Q4 FY26 · standalone
Peers · Other Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
ESAF Small FinESAFSFB | 1,172 | -11.16 | — | — | — | — | — | +4.6% |
Jana Small Finance Bank LimitedJSFB | 3,809 | 16.04 | — | — | — | — | — | +0.4% |
Utkarsh Small F.UTKARSHBNK | 2,046 | -1.70 | — | — | — | — | — | -35.7% |
Suryoday SmallSURYODAY | 1,307 | 12.97 | — | — | — | — | — | +32.1% |
Capital SmallCAPITALSFB | 1,012 | 9.59 | — | — | — | — | — | +6.8% |
Fino PaymentsFINOPB | 954 | 25.16 | — | — | — | 6.5% | — | -43.4% |
Financials
ESAF Small Fin
NSE: ESAFSFB · Other Bank
Snapshot
Unlock ESAF Small Fin's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
ESAF Small Finance Bank is an Indian financial institution that provides a comprehensive range of banking products, including savings accounts, deposits, and diverse loan portfolios. The bank focuses on financial inclusion, offering micro-finance, MSME loans, and agricultural credit to a broad customer base.
Business Model
The bank generates revenue primarily through net interest margins on its loan portfolio and fee-based income from banking services and payment products. It operates as a subsidiary of ESAF Financial Holdings Private Limited, leveraging a network of branches to mobilise deposits and distribute credit.
Growth Outlook
Growth is expected to be driven by the expansion of its micro-finance and MSME loan books, alongside the digitisation of banking services. The bank continues to focus on deepening its presence in rural and semi-urban markets through its diverse product offerings.
Key Risks
- Asset Quality Risk. As a micro-finance focused lender, the bank is susceptible to high default rates during periods of economic downturn or rural distress.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) guidelines regarding small finance banks could impact operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates may compress net interest margins and affect the bank's cost of funds and loan demand.
- Geographic Concentration. The bank's significant exposure to specific regions in India makes it vulnerable to localised natural disasters or regional economic instability.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on ESAF Small Fin and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹-166 Cr
TTM · standalone
EPS
₹-3.23
TTM · standalone
P/E
-11.2x
Q4 FY26 · standalone
Peers · Other Bank
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