ESAF Small Finance Bank (NSE:ESAFSFB)

India · Delayed Price · Currency is INR

42.70

+6.22 (17.05%)

Jul 31, 2026, 3:29 PM IST

ESAF Small Finance Bank Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	18,219	15,704	12,685	22,192	16,366	9,367
Revenue Growth	69.81%	23.80%	-42.84%	35.60%	74.71%	21.14%
Net Income	-51.02	-1,664	-5,214	4,256	3,023	547.32
Earnings Per Share	-0.10	-3.23	-10.13	8.94	6.71	1.22
EPS Growth	-	-	-	33.23%	451.04%	-50.50%

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Retail	39,866	36,616	35,300	36,426	27,871	18,427
Wholesale	953.3	1,033	1,416	942.9	576.7	344.11
Treasury	4,216	4,049	5,350	3,991	2,472	2,342
Other Banking	1,673	1,784	1,227	1,243	496.5	361.51
Total	46,709	43,482	43,293	42,603	31,416	21,475

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	4,143	4,143	8,758	2,087	1,819	3,579
Total Debt	27,527	27,527	14,057	32,225	33,542	29,528
Net Cash (Debt)	-23,385	-23,385	-5,299	-30,138	-31,722	-25,950
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-45.31	-45.36	-10.29	-63.31	-70.45	-57.65

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	-45,340	-2,323	-42,013	-24,213	-44,001
Capital Expenditures	-	-2,832	-1,527	-714.12	-716.51	-540.14
Free Cash Flow	-	-48,172	-3,850	-42,727	-24,929	-44,542
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Profit Margin	-0.28%	-10.60%	-41.10%	19.18%	18.47%	5.84%
FCF Margin	-	-306.75%	-30.35%	-192.53%	-152.32%	-475.51%

Dividends

Fiscal Year	FY 2024
Period Ending	Mar '24 Mar 31, 2024
Dividend Per Share	0.700
Dividend Per Share Growth	-
Dividend Yield	1.30%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	-	-	-	6.59	-	-
PS Ratio	1.19	0.65	1.00	1.26	-	-