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ESAF Small Finance Bank

ESAFSFB
Small Cap
(%) 1D
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1D1W1M3M6M1YMAX

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ESAF Small Finance Bank Share price and Fundamental Analysis

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ESAF Small Finance Bank Limited was incorporated as ESAF Small Finance Bank Limited' on May 5, 2016 at Thrissur, Kerala, as a Public Limited Company vide Certificate of Incorporation issued by the RoC. The Bank received license to carry on business as a SFB from the Reserve Bank of India on November 18, 2016 and commenced their banking operations from 10 March 2017. As per RBI Approval, the Bank became a Schedule Bank effective from November 12, 2018, which was included in the Second Schedule to the Reserve Bank of India Act, 1934.
Company Incorporation2016
ChairmanRavimohan Periyakavil Ramakrishnan
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
1,685.45
PE Ratio
0
Industry P/E
17.17
PEG Ratio
0
ROE
-26.75%
ROCE
1.94%
ROA
-1.94%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
0
Book Value & P/B
37.74 x 0.87
Face Value
10
Outstanding Shares(Cr)
51.54
Current Ratio
EV to Sales
6.31

Included In

+More

Stock Returns

1 Week+1.97%
1 Month+7.91%
6 Months-18.43%
1 Year-39.09%
3 Years-52.77%
5 Years-52.77%

CAGR

1 Year CAGR

Revenue Growth

+33.81%

Net Profit Growth

+40.76%

Financing Profit Growth

+12.3%

Dividend Growth

N/A

Stock Returns CAGR

-39.09%
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Smart Score

1.7
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Corporate Action

Board-Meetings
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Dividends
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Splits
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Financials

Half Yearly Statement

PARTICULARS

Total Revenue

Total Expenses

Operating Expense

Operating Profit

Interest

Depreciation & Amortization

Profit Before Tax

Tax

Profit after tax

Adj EPS in Rs - Basic

Adj EPS in Rs - Diluted

Profit and Loss Statement

Credit Rating
Director Report
Chairman Report
Auditor Report
Mar 25

Promoters : 63.31%

FIIs : 0.27%

DIIs : 5.00%

Public : 31.41%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
FII Shareholding Increased by 0.11% to 0.27% in March 2025 Qtr
Promoter Shareholding Decreased by 0.04% to 63.31% in March 2025 Qtr
DII Shareholding Decreased by 0.03% to 5.0% in March 2025 Qtr

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Key Ratios

Profitability
Valuation
Liquidity

ROE

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ROCE

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ROA

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NPM

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Dividend History

ESAF Small Finance Bank Competitors

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5 Year FactSheet

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Growth Ratios
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Cashflow Ratios
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Documents

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ESAF Small Finance Bank Management and History

Company Management

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Company History

ESAF Small Finance Bank Limited was incorporated as ESAF Small Finance Bank Limited' on May 5, 2016 at Thrissur, Kerala, as a Public Limited Company vide Certificate of Incorporation issued by the RoC. The Bank received license to carry on business as a SFB from the Reserve Bank of India on November 18, 2016 and commenced their banking operations from 10 March 2017. As per RBI Approval, the Bank became a Schedule Bank effective from November 12, 2018, which was included in the Second Schedule to the Reserve Bank of India Act, 1934.

The Bank is one of the leading small finance banks in India which provides micro, retail and corporate banking, para banking activities, such as debit card, third party financial product distribution, in addition to Treasury and permitted Foreign Exchange Business. The Bank offer online banking services, including electronic funds transfer, bill payment services, usage of credit cards on-line, requesting account statements, and requesting cheque books. The asset products comprise micro loans, retail loans, MSME and corporate loans and agricultural loans.

The history of Bank dates back to 1992, when Kadambelil Paul Thomas, the Managing Director, founded ESAF Society, a society focused on the development of micro-enterprises, community development, and community health development. ESAF Society started lending its micro loan activities in Kerala in 1995. In 2006, K. Paul Thomas along with others acquired Corporate Promoter. Thereafter, ESAF Society transferred its micro loan business undertaking to our Corporate Promoter in 2008 pursuant to a business transfer agreement dated March 31, 2008.

On March 10, 2017, the Bank acquired the business of its Corporate Promoter and consequently, the Corporate Promoter transferred its business undertaking comprising of its lending and financing business to Bank through a Business Transfer Agreement on February 22, 2017. On 17 March 2017, the Bank was officially inaugurated at Thrissur, Kerala. Prior to Fiscal 2018, all of the loans were micro loans. Since then, it introduced retail advances, MSME and corporate advances and agricultural advances. In Fiscal 2020, it began offering platinum debit cards.

As at March 31, 2021, Bank had 550 Branches, 12 Business Correspondents (BCs), 158 banking agents and 327 ATMs in 21 states and 2 union territories. Their Ultra-Small Branches were the erstwhile micro loan branches from when the business was owned by Corporate Promoter. They catered primarily to micro loan customers. As per the RBI's guidelines, all their Ultra -Small Branches were converted to Branches or merged with a Branch before March 10, 2020.

The Bank is proposing an Initial Public Offer aggregating upto Rs 998 crore Equity Shares, comprising a Fresh Issue of upto Rs 800 crore by raising capital and Rs 198 crore through Offer for Sale.

ESAF Small Finance Bank Share Price

ESAF Small Finance Bank share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

ESAF Small Finance Bank Market Cap

Market capitalization of ESAF Small Finance Bank indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how ESAF Small Finance Bank is valued compared to its competitors.

ESAF Small Finance Bank PE Ratio

ESAF Small Finance Bank PE ratio helps investors understand what is the market value of each stock compared to ESAF Small Finance Bank 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

ESAF Small Finance Bank PEG Ratio

The PEG ratio of ESAF Small Finance Bank evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

ESAF Small Finance Bank ROE (Return on Equity)

Return on Equity (ROE) measures how effectively ESAF Small Finance Bank generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

ESAF Small Finance Bank ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of ESAF Small Finance Bank in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

ESAF Small Finance Bank Total Debt

Total debt of ESAF Small Finance Bank shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

ESAF Small Finance Bank Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of ESAF Small Finance Bank compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

ESAF Small Finance Bank CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of ESAF Small Finance Bank over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

ESAF Small Finance Bank Technical Analysis

Technical analysis of ESAF Small Finance Bank helps investors get an insight into when they can enter or exit the stock. Key components of ESAF Small Finance Bank Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where ESAF Small Finance Bank shares often struggle to rise above due to selling pressure.

ESAF Small Finance Bank Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect ESAF Small Finance Bank ’s financial health and profitability.

ESAF Small Finance Bank Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

ESAF Small Finance Bank Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

ESAF Small Finance Bank Financials

The financials of ESAF Small Finance Bank provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

ESAF Small Finance Bank Profit and Loss Statements

The profit and loss statement of ESAF Small Finance Bank highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of ESAF Small Finance Bank .

ESAF Small Finance Bank Balance Sheet

The balance sheet presents a snapshot of ESAF Small Finance Bank ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

ESAF Small Finance Bank Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

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