Flash Finance

ESAF Small Finance Bank LimitedESAFSFBBank / NBFC

Banks - Private Sector Latest results: Jun 2026 14 quarters of data
₹44.28
MCap ₹2,285 Cr
ESAF Small Finance Bank Limited — Stock analysis & AI research ESAF Small Finance Bank Limited — Seasonality — best & worst months ESAF Small Finance Bank Limited — Technical indicators & charts ESAF Small Finance Bank Limited — Technical setup — score, trend, support & resistance ESAF Small Finance Bank Limited — Live exchange announcements
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹1,098 Cr
Interest Earned · Jun 2026
+32.6% YoY
₹349 Cr
Operating Profit · Jun 2026
₹80 Cr
Net Profit · Jun 2026
+198.9% YoY
₹1.55
EPS · Jun 2026
+198.1% YoY
5.40%
Gross NPA % · Jun 2026
0.83%
Net NPA % · Jun 2026

📝 ESAF Small Finance Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

ESAF Small Finance Bank Limited reported total income of ₹1,346 crore for the quarter ended June 2026 (Q1 FY27), up 31.6% from ₹1,023 crore in the same quarter last year, and up 12.5% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹1,098 crore and other income ₹248 crore. Net interest income (interest earned minus interest expended of ₹514 crore) worked out to ₹584 crore.

The company swung to a net profit of ₹80 crore from a net loss of ₹81 crore a year earlier. Earnings per share (EPS) came in at ₹1.55.

On asset quality, gross NPA stood at 5.40% and net NPA at 0.83% (gross NPA was 7.48% a year ago); the capital adequacy ratio was 23.86%.

Full year and trailing twelve months

For the full year FY26, ESAF Small Finance Bank Limited posted total income of ₹4,347 crore, a growth of 1.8% over FY25, with a net loss of ₹166 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹4,670 crore with a net loss of ₹5 crore.

Valuation snapshot

At the current price of ₹44.28, ESAFSFB has a market capitalisation of ₹2,285 crore.

Within the Banks - Private Sector industry, it is the 10th-largest of the 14 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 63.23%, foreign institutional investors (FIIs) 0.18%, domestic institutional investors (DIIs) 3.58%, public shareholders 33.00% of ESAF Small Finance Bank Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹2,285 Cr
Current Price ?
₹44.3
P/E ?
N/A
Industry P/E ?
9.00
P/B ?
1.28
P/S ?
0.49
P/FCF ?
-1.02
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
-0.2%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹4,670 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹-5 Cr
EPS (TTM) ?
₹-0.10
ROCE ?
N/A
ROE ?
-0.3%
ROA ?
-0.0%
Gross NPA % ?
5.40%
Net NPA % ?
0.83%
Growth
Total Income — latest qtr ?
₹1,346 Cr
PAT — latest qtr ?
₹80 Cr
YoY qtr sales growth ?
31.6%
YoY qtr profit growth ?
198.9%
Sales growth (3y) ?
7%
Sales growth (5y) ?
17%
Profit growth (3y) ?
N/A
Profit growth (5y) ?
N/A
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
63.23%
Change in promoter holding ?
-0.08%
Pledged percentage ?
N/A
Market
Return 3 months ?
25.8%
Return 6 months ?
84.3%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 7748999439741,0021,0229959488928288208949951,098 +32.6% +10.3%
Other Income 94937912015011540114145195145269201248 +27.3% +23.5%
Total Income 8689921,0221,0941,1521,1371,0351,0621,0371,0239651,1631,1961,346 +31.6% +12.5%
Interest Expended 275313347377411434456463458450448462477514 +14.2% +7.7%
Operating Profit —————————————349 — —
Provisions —————————————242 — —
Profit Before Tax 1361741881505985-255-282-241-109-155927107 +198.2% +296.4%
Net Profit 1011301401124363-190-211-183-81-11672480 +198.9% +233.7%
EPS 2.262.893.122.180.841.22-3.69-4.09-3.55-1.58-2.250.140.461.55 +198.1% +237.0%
Gross NPA % 2.49% 1.65% 2.64% 4.16% 4.76% 6.61% 6.98% 6.96% 6.87% 7.48% 8.54% 5.64% 5.41% 5.40% — —
Net NPA % 1.13% 0.81% 1.19% 2.19% 2.26% 3.22% 2.98% 2.97% 2.99% 3.77% 3.83% 2.73% 1.77% 0.83% — —
Capital Adequacy Ratio — — — — — — — — — — — — — 23.86% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹3,857 Cr ₹3,537 Cr ₹3,807 Cr -8.3%
Other Income ₹414 Cr ₹810 Cr ₹863 Cr +95.7%
Total Income ₹4,271 Cr ₹4,347 Cr ₹4,670 Cr +1.8%
Interest Expended ₹1,811 Cr ₹1,837 Cr ₹1,901 Cr +1.4%
Net Interest Income ₹2,046 Cr ₹1,700 Cr ₹1,906 Cr -16.9%
Operating Profit — — ₹349 Cr —
Provisions — — ₹242 Cr —
Profit Before Tax ₹-693 Cr ₹-228 Cr ₹-12 Cr +67.1%
Tax — — ₹27 Cr —
Net Profit ₹-521 Cr ₹-166 Cr ₹-5 Cr +68.1%
EPS ₹-10.11 ₹-3.23 ₹-0.10 +68.1%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 449515515516 +0.2%
Reserves 1,2661,9771,4341,264 -11.9%
Deposits 14,66619,86823,27625,850 +11.1%
Borrowing 3,3543,2231,4062,753 +95.8%
Other Liabilities 489505547485 -11.3%
Total Liabilities 20,22426,08727,17830,868 +13.6%
Fixed Assets 188205237516 +117.7%
CWIP 03630 -100.0%
Investments 4,8895,5415,9956,399 +6.7%
Other Assets 15,14720,33820,88323,953 +14.7%
Total Assets 20,22426,08727,17830,868 +13.6%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -5711,0013,176-1,960 -161.7%
Cash from Investing Activity -573-583-769-192 +75.0%
Cash from Financing Activity 399235-1,8521,347 +172.7%
Net Cash Flow -745654556-805 -244.8%
Free Cash Flow -6419303,024-2,242 -174.1%
CFO/OP -43%71%448%-244% -154.5%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 19%20%-23%-9% +60.9%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 63.31%63.30%63.29%63.28%63.25%63.23% -0.0%
FIIs 0.16%0.16%0.01%0.01%0.32%0.18% -43.8%
DIIs 5.00%5.00%4.97%4.63%3.80%3.58% -5.8%
Public 31.51%31.53%31.74%32.08%32.64%33.00% +1.1%
No. of Shareholders 1,16,4901,13,9551,11,6911,09,2461,07,6311,04,828 -2.6%

⚖️ Peer comparison

Industry: Banks - Private Sector · 14 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 TMB Tamilnad Mercantile ₹888.35 14,067 9.7 6,979 1,446 8.8% 20.7% 9.0% 13.3% 17.6% 34.9%
2 SOUTHBANK South Indian ₹48.42 12,684 8.0 12,220 1,585 10.8% 13.0% 5.6% 11.7% 11.7% 21.1%
3 UJJIVANSFB Ujjivan Small ₹62.47 12,200 10.6 8,962 1,150 12.7% 12.8% 11.6% -4.5% 26.4% 199.2%
4 KTKBANK Karnataka Bank ₹313.05 11,839 8.2 10,438 1,437 5.6% 13.8% 0.3% 2.9% 4.5% 43.5%
5 EQUITASBNK Equitas Small ₹73.50 8,409 16.4 8,141 511 5.0% 6.3% 8.9% -29.9% 14.1% 182.0%
6 DCBBANK DCB Bank ₹219.94 7,084 8.9 8,390 788 4.1% 9.4% 14.4% 19.2% 6.3% 35.7%
7 JSFB Jana Small ₹529.60 5,604 14.7 6,623 380 5.0% 5.7% 17.0% -34.9% 14.9% 52.2%
8 CSBBANK CSB Bank ₹328.75 5,572 9.0 5,681 634 0.0% 11.2% 24.4% 6.9% 10.6% 6.3%
9 UTKARSHBNK Utkarsh Small ₹14.86 2,644 — 3,793 -945 1.7% -24.9% -12.7% -5100.0% -1.6% 85.8%
10 ESAFSFB ESAF Small ₹38.96 2,011 — 4,670 -5 7.5% -0.1% 1.8% 68.1% 31.6% 198.9%
11 SURYODAY Suryoday Small ₹146.72 1,560 8.1 2,687 192 5.2% 7.2% 16.1% 33.3% 27.5% 114.8%
12 CAPITALSFB Capital Small ₹273.25 1,242 8.2 1,190 150 5.4% 12.6% 15.2% 7.6% 16.4% 29.1%
13 DHANBANK Dhanlaxmi Bank ₹29.42 1,161 10.0 1,871 115 2.7% 6.1% 20.4% 52.2% 19.0% 107.6%
14 FINOPB Fino Payments ₹136.05 1,132 54.2 1,437 21 -1.0% 1.5% -14.3% -43.3% -32.3% -177.3%
❓ Frequently asked questions
What was ESAF Small Finance Bank Limited's total income in Q1 FY27?
ESAF Small Finance Bank Limited reported total income of ₹1,346 crore for the quarter ended June 2026 (Q1 FY27), up 31.6% from ₹1,023 crore in the same quarter last year, and up 12.5% sequentially over the March 2026 quarter.
What was ESAF Small Finance Bank Limited's net profit in Q1 FY27?
The company swung to a net profit of ₹80 crore from a net loss of ₹81 crore a year earlier. Earnings per share (EPS) came in at ₹1.55.
What is ESAFSFB's market capitalisation and P/E ratio?
At the current price of ₹44.28, ESAFSFB has a market capitalisation of ₹2,285 crore.
What are ESAF Small Finance Bank Limited's NPA levels?
On asset quality, gross NPA stood at 5.40% and net NPA at 0.83% (gross NPA was 7.48% a year ago); the capital adequacy ratio was 23.86%.
Who owns ESAF Small Finance Bank Limited? (shareholding pattern)
As of Sep 2026, promoters held 63.23%, foreign institutional investors (FIIs) 0.18%, domestic institutional investors (DIIs) 3.58%, public shareholders 33.00% of ESAF Small Finance Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI