# ESAF Small Finance Bank Ltd (ESAFSFB)
> Exchange: NSE | Sector: Banking | ISIN: 

## Price
Current Price: ₹28.1
Day Change: +1.55%
52W High: ₹36.13
52W Low: ₹19.74
Market Cap: ₹1,508 Cr

## Valuation
P/E: 0
P/B: 0.86
EPS: ₹-7.24
Book Value: ₹34.07
Dividend Yield: 0%

## Returns
1Y Return: 3.44%

## Profitability
ROE: 0%
ROCE: 0%
Debt/Equity: 0
Revenue Growth: 142.3%
Profit Growth: 0%
EBITDA Margin: 0%
Operating Margin: 1.99%

## About
ESAF Small Finance Bank Ltd is a Banks - Regional company listed on NSE. The page combines exchange quotes, financial statements, shareholding, filings, and news so investors can review the business in one place.
Sector: Banking
Industry: Banks - Regional
Sub Industry: Unknown

## Business Model
Overview: ESAF Small Finance Bank Ltd makes money through Interest income, Fees and commissions, Treasury and investment income in Banks - Regional. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Banking.
Source: Derived from stock data
Revenue Streams:
- Interest income
- Fees and commissions
- Treasury and investment income
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Recent Context:
- Concall Transcript: Announcement under Regulation 30 (LODR)-Earnings Call Transcript
- Announcement: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
- BSE Filing: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

## Access
Current tier: anonymous
More history: Register free to see 1 more year.

## Data Freshness
Quote Updated: 2026-05-24T20:00:07.443Z
Price History Updated: 2026-05-18T22:59:01.687Z
Latest Price History Date: 2026-05-18
Technicals Updated: 2026-05-18T22:59:01.687Z
Quant Updated: 2026-05-18T22:59:01.687Z
Sentiment Updated: 2026-05-18T22:59:01.687Z
Financials Status: current
Financials Updated: 2026-05-19T02:30:08.186Z
Financials Last Attempt: 2026-05-19T02:30:08.186Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## P&L (FY25)
Revenue: ₹2518.52 Cr
Operating Profit: ₹0 Cr (OPM 0%)
Net Profit: ₹-521.39 Cr
Tax: ₹-171.58 Cr

## Annual P&L History
FY25: Rev ₹2518.52Cr | PAT ₹-521.39Cr | OPM 0%
FY24: Rev ₹2811.43Cr | PAT ₹425.57Cr | OPM 0%
FY23: Rev ₹2055.39Cr | PAT ₹302.33Cr | OPM 0%

## Balance Sheet (FY25)
Total Assets: ₹27178.29 Cr
Total Liabilities: ₹25229.24 Cr
Borrowings: ₹1405.73 Cr
Cash: ₹1979.11 Cr

## Shareholding
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## Board
- Kadambelil Paul Thomas, MD, CEO & Director
- C. P. Gireesh CP, F.C.A., Executive Vice President of Finance & Chief Financial Officer
- George Chacko Varghese, Chief Compliance Officer
- George  Thomas, Executive Vice President of Human Resources
- Bosco  Joseph, Executive Vice President of Micro Banking

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Source: rupiya.io/stocks/esafsfb
Disclaimer: For research and education only. Not investment advice.