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E

ESAF Small Finance Bank Limited ESAFSFB.NS · INR

Financials · NSE · 🇮🇳 India

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42.43

+0.93%

Close of 9 Nov 2026, in INR

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in INR, from our data supplier.

FY2025

Revenue, before interest expense

₹43.29bn

FY2021FY2025

Net income

−₹5.21bn

FY2021FY2025

Total assets

₹271.78bn

FY2021FY2025

Shareholders' equity

₹19.49bn

FY2021FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021
Revenue, before interest expense₹43.29bn₹42.60bn₹31.42bn₹21.48bn₹17.68bn
Net income−₹5.21bn₹4.26bn₹3.02bn₹547.3m₹1.05bn
Diluted earnings per share-10.128.946.711.222.46

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021
Total assets₹271.78bn₹260.87bn₹202.24bn₹177.08bn₹123.39bn
Total liabilities₹252.29bn₹235.95bn₹185.09bn₹162.96bn₹109.87bn
Debt₹14.06bn₹32.30bn₹33.59bn₹29.56bn₹16.97bn
Shareholders' equity₹19.49bn₹24.92bn₹17.15bn₹14.12bn₹13.52bn
Shares outstanding515m476m450m450m428m

Financial ratios

Data as of 3 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating margin-5.3%-16.0%13.4%13.2%2.5%39.9%—
Net margin-3.8%-12.0%10.0%9.8%2.5%10.0%—
Return on equity-9.3%-26.8%17.1%17.6%3.9%7.8%—
Return on assets-0.5%-1.9%1.6%1.5%0.3%0.9%—
Revenue growth0.4%1.6%38.6%43.1%104.3%-32.0%—
Earnings growth-68.1%-222.5%40.8%452.4%-48.1%-44.6%—
Current ratio—0.10x0.09x0.07x0.13x0.22x0.09x
Debt to equity—0.40x0.62x0.92x0.82x0.67x0.38x
Equity ratio5.8%7.2%9.6%8.5%8.0%11.0%—
Interest coverage-0.12x-0.38x0.39x0.40x0.07x0.58x—
Buybacks as a share of market value-0.2%-11.0%-2.8%-0.3%-4.6%-0.4%—

Growth per year

Compound annual rate

3 years5 years10 years
Revenue23.0%——

Valuation history

At each fiscal year end

FY2025FY2024FY2023
Price to earnings-2.64.710.2
Price to sales0.60.71.5

Dividends and splits

Per share, in the currency the company pays

Paid for 0 years. Last went ex-dividend on 7 Aug 2024.

FY2025
Paid in the year0.70

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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