ESAF Small Finance Bank Ltd

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.

ESAF Small Finance Bank's latest results are concerning, showing a net loss of ₹81.22 crores in Q2 FY26, a significant decline in net interest income, and rising gross non-performing assets at 7.48%. These factors indicate ongoing operational challenges and a cautious market sentiment regarding the bank's future prospects.

As of 06-Nov, ESAF Small Finance Bank Ltd's stock is at 27.32, down 1.94%, and has declined 2.71% over three days. The stock is underperforming with a low Capital Adequacy Ratio and a significant annual net profit decline, indicating ongoing bearish trends and weak investor confidence.

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 20 October 2025, ESAF Small Fin's trend is mildly bearish, with mixed signals from indicators like MACD, RSI, and Bollinger Bands suggesting a cautious outlook despite some potential strength.

As of 13 October 2025, ESAF Small Fin's technical trend is bearish with moderate strength, driven by bearish signals from moving averages and Bollinger Bands, despite a mildly bullish MACD on the weekly timeframe.

As of October 1, 2025, ESAF Small Fin is in a mildly bearish trend, supported by bearish signals from the weekly MACD and KST, daily moving averages, and Bollinger Bands, while monthly indicators show a lack of clear momentum.

As of October 1, 2025, ESAF Small Fin is in a mildly bearish trend, indicated by bearish momentum from the MACD and KST, daily moving averages, and Bollinger Bands, with no strong bullish signals from the RSI or other indicators.

As of 24-Sep, ESAF Small Finance Bank Ltd's stock price is at 29.00, down 1.13%, and has significantly underperformed its sector and the broader market. The bank faces serious financial challenges, including a 0% Capital Adequacy Ratio and six consecutive quarters of losses, leading to a bleak long-term growth outlook.

As of 23-Sep, ESAF Small Finance Bank Ltd's stock price is 29.48, reflecting a slight increase of 0.55%. Despite today's uptick, the stock has underperformed over the past year with a -40.72% return and significant financial weaknesses, including a 0% Capital Adequacy Ratio.

As of 22-Sep, ESAF Small Finance Bank Ltd's stock price is at 29.32, down 2.88%, and significantly underperforming its sector and the broader market. The bank faces severe financial challenges, including a 0% Capital Adequacy Ratio and negative profits for six quarters, leading to a lack of investor confidence.

As of 18-Sep, ESAF Small Finance Bank Ltd is priced at 29.85, showing a slight weekly increase of 1.98% but a significant year-to-date decline of 29.00%. The stock's weak financial metrics and lack of investor confidence indicate a negative outlook.

As of 17-Sep, ESAF Small Finance Bank Ltd's stock price is at 29.85, down 0.63%. The bank has underperformed significantly over the long term, with a year-to-date decline of 29.00% and negative financial metrics, indicating serious challenges ahead.

As of 16-Sep, ESAF Small Finance Bank Ltd's stock price is at 30.04, showing a recent increase but facing significant challenges such as a 0% Capital Adequacy Ratio and a high Cost to Income ratio of 79.65%. Despite short-term gains, the bank's long-term outlook is poor due to consecutive quarterly losses and a lack of confidence from domestic mutual funds.

As of 15-Sep, ESAF Small Finance Bank Ltd's stock price is at 29.62, with a recent short-term gain but a significant 40.76% decline over the past year, raising concerns about its financial health due to weak capital buffers and high costs. Despite outperforming the Sensex recently, the long-term outlook remains negative, compounded by a lack of institutional investment.