ESAF Small Fin

Who are the top shareholders of the ESAF Small Fin?

The top shareholders of ESAF Small Fin are Esaf Financial Holdings Private Limited with 52.88%, followed by public shareholder Yusuffali Musaliam Veettil Abdul Kader at 4.49%, and individual investors holding 16.17%. There are no pledged promoter holdings or mutual fund schemes associated with the company.

The top shareholders of ESAF Small Fin include Esaf Financial Holdings Private Limited, which holds the largest stake at 52.88%. Other significant shareholders include Yusuffali Musaliam Veettil Abdul Kader, who is the highest public shareholder with a holding of 4.49%. Additionally, individual investors collectively hold 16.17% of the company's shares. There are also 7 foreign institutional investors (FIIs) that hold a combined 0.27% of the shares. Notably, there are no pledged promoter holdings or mutual fund schemes involved with the company.

What does ESAF Small Fin do?

ESAF Small Finance Bank Ltd, established in 2016, operates in the small finance banking sector and reported net sales of ₹893.44 Cr and a net loss of ₹183 Cr for March 2025, with a market cap of ₹1,661 Cr. The bank offers a dividend yield of 2.18%.

Overview:<BR>ESAF Small Finance Bank Ltd operates in the small finance banking sector and is categorized as a small-cap company.<BR><BR>History:<BR>The company was incorporated on May 5, 2016, in Thrissur, Kerala, and received its license to operate as a small finance bank from the Reserve Bank of India on November 18, 2016. It commenced banking operations on March 10, 2017. The latest quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 893.44 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -183 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 1,661 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 2.18% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details:<BR>Address: Bldg. # VII/83/8 ESAF Bhavan, Tri-Palakkad N.Hiway. Mannuthy Trissur Kerala : 680651 <BR>Phone: +91 487 7123 907 <BR>Email: investor.relations@esafbank.com <BR>Website: http://www.esafbank.com

Who are in the management team of ESAF Small Fin?

As of March 2023, the management team of ESAF Small Fin includes K P Thomas (Managing Director & CEO), Ravimohan Periyakavil Ramakrishnan (Part Time Chairman), and several independent directors: V A Joseph, K Thomas Jacob, Vinod Vijayalekshmi Vasudevan, V Ravi, and Kolasserif Chandramohanan Raniani, along with nominees John Samuel and Ajayan Mangalath Gopalakrishnan Nair. This diverse team reflects a robust governance structure.

As of March 2023, the management team of ESAF Small Fin includes the following individuals:<BR><BR>1. **K P Thomas** - Managing Director & CEO<BR>2. **Ravimohan Periyakavil Ramakrishnan** - Part Time Chairman<BR>3. **V A Joseph** - Independent Director<BR>4. **K Thomas Jacob** - Independent Director<BR>5. **Vinod Vijayalekshmi Vasudevan** - Independent Director<BR>6. **V Ravi** - Independent Director<BR>7. **Kolasserif Chandramohanan Raniani** - Independent Director<BR>8. **John Samuel** - Nominee<BR>9. **Ajayan Mangalath Gopalakrishnan Nair** - Nominee<BR><BR>This team comprises a mix of independent directors, nominees, and executive leadership, reflecting a diverse governance structure.

Has ESAF Small Fin declared dividend?

Yes, ESAF Small Finance Bank Ltd has declared a 7% dividend, amounting to ₹0.7 per share, with an ex-date of August 7, 2024. However, total returns over various periods show significant price declines, particularly a -22.86% return over the last 6 months.

ESAF Small Finance Bank Ltd has declared a 7% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 7%<BR>- Amount per share: 0.7<BR>- Ex-date: 07 Aug 24<BR><BR>Dividend Yield: 2.18%.<BR><BR>Total Returns by Period:<BR>Over the 6-month period, the price return was -22.86%, with a dividend return of 0%, resulting in a total return of -22.86%.<BR><BR>For the 1-year period, the price return was -39.11%, the dividend return was 1.32%, leading to a total return of -37.79%.<BR><BR>In the 2-year period, there was no price return, no dividend return, and thus a total return of 0.0%.<BR><BR>Over the 3-year period, the price return was 0%, with no dividend return, resulting in a total return of 0.0%.<BR><BR>For the 4-year period, the price return remained at 0%, with no dividend return, leading to a total return of 0.0%.<BR><BR>In the 5-year period, there was no change in price return or dividend return, resulting in a total return of 0.0%.<BR><BR>Overall, while ESAF Small Finance Bank has declared a dividend, the total returns over various periods indicate significant price declines, particularly in the short term, with minimal contributions from dividends.

Who are the peers of the ESAF Small Fin?

ESAF Small Fin's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, Suryoday Small, and Capital Small. In terms of management risk, growth, and capital structure, AU Small Finance and Ujjivan Small are top performers, while ESAF Small Fin shows average ratings and a 1-year return of -40.60%.

Peers: The peers of ESAF Small Fin are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small, and Average management risk is present at ESAF Small Fin and Suryoday Small. For Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is found at Equitas Sma. Fin and Utkarsh Small F., and Below Average growth is seen at ESAF Small Fin. In terms of Capital Structure, Excellent capital structure is observed at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Utkarsh Small F., while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 12.58%, while the peer with the lowest is Utkarsh Small F. at -55.37%. ESAF Small Fin's 1-year return is -40.60%, which is higher than Utkarsh Small F.'s but lower than AU Small Finance's. Additionally, the peers with negative six-month returns include Utkarsh Small F. and ESAF Small Fin.

How big is ESAF Small Fin?

As of 24th July, ESAF Small Finance Bank Ltd has a market capitalization of 1,684.00 Cr and reported a net loss of 463.39 Cr over the latest four quarters, with total assets valued at 26,086.87 Cr.

As of 24th July, <BR><BR>Market Cap: ESAF Small Finance Bank Ltd has a market capitalization of 1,684.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, with a net loss of 463.39 Cr over the latest four quarters.<BR><BR>Balance Sheet Snapshot: As of March 2024, the shareholder's funds amounted to 2,491.79 Cr, while total assets were valued at 26,086.87 Cr.

Is ESAF Small Fin overvalued or undervalued?

As of August 6, 2025, ESAF Small Finance is considered very expensive and overvalued with a negative PE ratio of -3.37, a price-to-book value of 0.80, and a significant net NPA to book value of 27.74%, reflecting poor financial health and a year-to-date stock performance decline of 27.93%.

As of 6 August 2025, the valuation grade for ESAF Small Finance has moved from attractive to very expensive, indicating a significant shift in its market perception. The company is currently overvalued, with a PE ratio of -3.37, a price-to-book value of 0.80, and a PEG ratio of 0.00. These ratios suggest that the company's earnings are not only negative but also that it is trading below its book value, which raises concerns about its financial health.<BR><BR>In comparison to its peers, ESAF Small Finance stands out with its negative PE ratio, while HDFC Bank and ICICI Bank are considered expensive with PE ratios of 21.95 and 21.06, respectively. Additionally, Kotak Mahindra Bank is categorized as very expensive with a PE ratio of 29.51. The notable outlier of ESAF's net NPA to book value at 27.74% further underscores the challenges it faces. Recent stock performance has been poor, with a year-to-date return of -27.93%, contrasting sharply with the Sensex's gain of 3.08%, reinforcing the notion that ESAF Small Finance is currently overvalued.

Is ESAF Small Fin technically bullish or bearish?

As of 28 October 2025, ESAF Small Fin's technical trend has shifted to bearish, supported by bearish signals from Bollinger Bands and moving averages, despite a mildly bullish weekly MACD.

As of 28 October 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish, with moderate strength indicated by several factors. The weekly MACD is mildly bullish, but this is overshadowed by bearish signals from the Bollinger Bands and moving averages, both of which are bearish on the daily timeframe. The KST and Dow Theory also indicate a bearish outlook on the weekly basis, while the OBV shows a mildly bearish trend on the monthly. Overall, the combination of these indicators suggests a bearish sentiment for ESAF Small Fin.

How has been the historical performance of ESAF Small Fin?

ESAF Small Fin has shown significant growth in interest earned and total income from Mar'21 to Mar'25, but faced a downturn in profitability, reporting a profit before tax of -692.97 Cr in Mar'25 compared to a profit of 570.41 Cr in Mar'24. Despite expanding its asset base, the company struggles with maintaining profitability.

Answer:<BR>The historical performance of ESAF Small Fin shows significant growth in interest earned and total income over the years, although recent results indicate a downturn in profitability.<BR><BR>Breakdown:<BR>ESAF Small Fin's interest earned increased from 1,641.17 Cr in Mar'21 to 3,857.53 Cr in Mar'25, reflecting a strong upward trend. Total income also rose significantly from 1,768.42 Cr in Mar'21 to 4,329.30 Cr in Mar'25. However, net interest income peaked at 2,369.80 Cr in Mar'24 before declining to 2,046.85 Cr in Mar'25. Despite the growth in income, the company reported a profit before tax of -692.97 Cr in Mar'25, a stark contrast to the profit of 570.41 Cr in Mar'24. This decline in profitability is further highlighted by a negative profit after tax of -521.39 Cr in Mar'25, compared to a profit of 425.57 Cr in Mar'24. The company's total assets grew from 12,338.65 Cr in Mar'21 to 27,178.27 Cr in Mar'25, while total liabilities also increased from 12,338.65 Cr to 27,178.29 Cr in the same period. Cash flow showed volatility, with a net increase in cash and cash equivalents of 653.00 Cr in Mar'24, following a decrease of 744.00 Cr in Mar'23. Overall, while ESAF Small Fin has expanded its income and asset base, it faces challenges in maintaining profitability in recent periods.

When is the next results date for ESAF Small Finance Bank Ltd?

The next results date for ESAF Small Finance Bank Ltd is January 30, 2026.

The next results date for ESAF Small Finance Bank Ltd is scheduled for January 30, 2026.

Are ESAF Small Finance Bank Ltd latest results good or bad?

ESAF Small Finance Bank Ltd's latest results are concerning, with a net loss of ₹115.81 crores in Q3 FY26 and deteriorating asset quality, as gross NPAs rose to 8.54%. The bank is facing significant challenges, including declining profitability and a negative return on equity, indicating a difficult financial position.

The latest results for ESAF Small Finance Bank Ltd indicate a challenging situation. In Q3 FY26, the bank reported a net loss of ₹115.81 crores, which is a 12.31% decline compared to the same quarter last year. This marks the continuation of a troubling trend, as the bank has faced losses for three consecutive quarters.<BR><BR>Additionally, the asset quality has deteriorated significantly, with gross non-performing assets (NPA) rising to 8.54%, up from 6.98% a year ago. This is concerning as it indicates increasing stress in the loan portfolio. The net NPA also increased to 3.83%, further highlighting the challenges the bank is facing in managing its assets.<BR><BR>The net interest margin has compressed to 6.0%, down from 9.4% year-on-year, reflecting rising funding costs and pressures on profitability. The bank's return on equity has plummeted to a negative 33.81%, indicating severe strain on shareholder value.<BR><BR>Overall, the results suggest that ESAF Small Finance Bank is currently in a difficult position, grappling with significant losses, deteriorating asset quality, and declining profitability metrics. This situation warrants caution for investors and stakeholders.

Should I buy, sell or hold ESAF Small Finance Bank Ltd?

Why is ESAF Small Finance Bank Ltd falling/rising?

As of 05-Mar, ESAF Small Finance Bank Ltd's stock price is at 25.92, showing a slight increase after a trend reversal following four days of decline. Despite this short-term rise and increased investor interest, the stock has been underperforming over longer periods and is trading below its moving averages.

As of 05-Mar, ESAF Small Finance Bank Ltd's stock price is rising, currently at 25.92, with a change of 0.15 (0.58%) upward. This increase comes after a trend reversal, as the stock has gained after four consecutive days of decline. Despite this recent uptick, the stock has been underperforming over various time frames, with a 1-week decline of 4.28% and a 1-month decline of 9.21%. However, there is a notable rise in investor participation, with delivery volume increasing by 44.71% compared to the 5-day average, indicating growing interest among investors. It is also important to note that the stock is currently trading below its moving averages across multiple periods, suggesting that while there is a short-term rise, the longer-term trend may still be downward.

Why is ESAF Small Finance Bank Ltd falling/rising?

As of 06-Mar, ESAF Small Finance Bank Ltd's stock price is declining, currently at Rs 25.15, due to significant underperformance against the benchmark Sensex, negative financial indicators, and decreasing investor interest. The stock is trading below key moving averages and is close to its 52-week low, reflecting ongoing weakness.

As of 06-Mar, ESAF Small Finance Bank Ltd's stock price is falling, currently at Rs 25.15, which represents a decrease of Rs 0.86 or 3.31%. This decline can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed significantly compared to the benchmark Sensex, with a 1-week decline of 6.85% against the Sensex's 2.91% drop, and a 1-month decrease of 13.81% compared to the Sensex's 5.58% decline. Over the past year, the stock has generated a return of -14.72%, while the Sensex has increased by 6.16%. This stark contrast indicates a consistent underperformance relative to the broader market.<BR><BR>Additionally, the stock is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend. The stock is also close to its 52-week low, being only 3.18% away from Rs 24.35, further indicating weakness in its price performance.<BR><BR>Investor participation appears to be declining, as evidenced by a drop in delivery volume, which fell by 2.47% against the 5-day average. Furthermore, the banking sector as a whole has seen a decline of 2.41%, which may also be impacting ESAF Small Finance Bank Ltd's stock price.<BR><BR>The company's financial health raises concerns as well. It has a low Capital Adequacy Ratio of 0%, indicating inadequate buffers against risk-based assets, and a high Cost to Income ratio of 76.32%, suggesting inefficiencies in managing costs. The net profit has shown a poor long-term growth rate of -206.77%, and the return on assets (ROA) is at -1.4, reflecting a very expensive valuation with a Price to Book Value of 0.7, which is higher than its peers' average historical valuations.<BR><BR>In summary, the combination of poor stock performance relative to the market, negative financial indicators, and declining investor interest are contributing to the falling price of ESAF Small Finance Bank Ltd.

Which are the latest news on ESAF Small Fin?