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 26-Mar, ESAF Small Finance Bank Ltd's stock price is at Rs. 22.00, reflecting a significant decline and marking a new 52-week low. The stock has underperformed the benchmark Sensex and shows persistent bearish sentiment, compounded by poor financial health indicators and lack of investor confidence.

As of 26-Mar, ESAF Small Finance Bank Ltd's stock price is falling, currently at Rs. 22.00, which reflects a decrease of Rs. 0.16 or 0.72%. The stock has been on a downward trend, having lost 5.66% over the past week and 18.91% over the past month, significantly underperforming the benchmark Sensex, which has declined by only 1.87% and 8.51% in the same periods, respectively. <BR><BR>Today marks a new 52-week low for the stock, indicating a concerning performance trend. The stock has been declining for five consecutive days, and it is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which suggests a persistent bearish sentiment among investors. Additionally, while there has been a rise in investor participation with a delivery volume increase of 144.82% on March 24, this has not translated into price stability or growth.<BR><BR>The company's financial health raises further concerns, as it has a low Capital Adequacy Ratio of 0%, indicating inadequate buffers against risk-based assets. The high Cost to Income ratio of 76.32% suggests inefficiencies in controlling costs. Furthermore, the stock's return of -17.73% over the past year, coupled with a significant profit decline of 57.5%, reflects poor performance. The lack of investment from domestic mutual funds, which hold 0% of the company, may also indicate a lack of confidence in the stock's valuation and future prospects. Overall, these factors contribute to the stock's current decline.

Why is ESAF Small Finance Bank Ltd falling/rising?

As of 27-Mar, ESAF Small Finance Bank Ltd's stock price is at Rs. 21.07, reflecting a significant decline of 5.56%. The stock has consistently underperformed, hitting a new 52-week low and facing concerns over financial health, including a 0% Capital Adequacy Ratio and a high Cost to Income ratio of 76.32%.

As of 27-Mar, ESAF Small Finance Bank Ltd's stock price is falling, currently at Rs. 21.07, which reflects a decrease of Rs. 1.24 or 5.56%. The stock has underperformed significantly over various periods, with a 1-week decline of 8.71% and a 1-month drop of 21.96%. Year-to-date, the stock is down 21.06%, and over the past year, it has generated a return of -14.94%, indicating a consistent downward trend.<BR><BR>Today's performance highlights a new 52-week low of Rs. 21, with the stock opening down by 2.47% and reaching an intraday low of Rs. 21, which is a 5.87% decrease. The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, further indicating weakness in its price momentum. Additionally, the bank's sector has also seen a decline, with the Private Bank sector falling by 2.28%.<BR><BR>The company's financial health raises concerns, particularly due to a low Capital Adequacy Ratio of 0%, which signifies inadequate buffers against risk-based assets. Furthermore, the bank has struggled with a high Cost to Income ratio of 76.32%, indicating inefficiencies in managing costs. Despite reporting positive results after several negative quarters, the overall sentiment remains negative, as evidenced by the stock's poor performance relative to benchmarks and the lack of investment from domestic mutual funds, which hold 0% of the company. This combination of factors contributes to the ongoing decline in ESAF Small Finance Bank Ltd's stock price.

Why is ESAF Small Finance Bank Ltd falling/rising?

As of 28-Mar, ESAF Small Finance Bank Ltd's stock price is declining at Rs. 21.07, reflecting a significant drop of -5.56%. The bank faces financial instability with a low Capital Adequacy Ratio and negative return on assets, contributing to negative investor sentiment and ongoing stock price decline.

As of 28-Mar, ESAF Small Finance Bank Ltd is experiencing a decline in its stock price, currently at Rs. 21.07, which reflects a change of -1.24 (-5.56%). The stock has underperformed significantly in various time frames, with a 1-week decline of -8.71% and a 1-month drop of -21.96%. Year-to-date, the stock has decreased by -21.06%, while over the past year, it has fallen by -14.94%. <BR><BR>Today's trading activity indicates a particularly poor performance, as the stock opened with a loss of -2.47% and reached an intraday low of Rs. 21, marking a new 52-week low. The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting a bearish trend. Additionally, the bank sector as a whole has also seen a decline, with a -2.28% drop.<BR><BR>The company's financial health raises concerns, particularly with a low Capital Adequacy Ratio of 0%, indicating inadequate buffers against risk-based assets. Furthermore, the bank has struggled to control costs, reflected in a high Cost to Income ratio of 76.32%. The return on assets (ROA) is negative at -1.4, and the stock is trading at a premium compared to its peers, despite generating a return of -14.94% over the past year, alongside a significant profit decline of -57.5%. <BR><BR>Investor sentiment appears to be cautious, as evidenced by the fact that domestic mutual funds hold 0% of the company, which may indicate a lack of confidence in its valuation or business prospects. Overall, the combination of poor recent performance, financial instability, and negative investor sentiment contributes to the ongoing decline in the stock price of ESAF Small Finance Bank Ltd.

Why is ESAF Small Finance Bank Ltd falling/rising?

As of 29-Mar, ESAF Small Finance Bank Ltd's stock price is at Rs. 21.07, down 5.56%, reflecting a significant decline over the past month and year. The stock is underperforming its sector, trading below key moving averages, and facing negative sentiment due to weak financial indicators and lack of investor confidence.

As of 29-Mar, ESAF Small Finance Bank Ltd's stock price is falling, currently at Rs. 21.07, reflecting a decrease of Rs. 1.24 or 5.56%. This decline is evident in the stock's performance over various periods, with a significant drop of 21.96% over the past month and 14.94% over the last year. The stock has also reached a new 52-week low today, indicating a lack of investor confidence.<BR><BR>Today's trading session saw the stock open with a loss of 2.47% and touch an intraday low of Rs. 21, which is a 5.87% decrease. The stock is underperforming its sector by 2.92% and is trading below all key moving averages, suggesting a bearish trend. Additionally, the bank's weak financial indicators, such as a Capital Adequacy Ratio of 0% and a high Cost to Income ratio of 76.32%, contribute to the negative sentiment surrounding the stock. <BR><BR>Despite a recent declaration of positive results after several quarters of losses, the overall performance remains concerning, with a return of -14.94% over the past year and a significant profit decline of 57.5%. The lack of investment from domestic mutual funds, which hold 0% of the company, further underscores the market's apprehension regarding the stock's valuation and future prospects.

Which are the latest news on ESAF Small Fin?

Which are the latest news on ESAF Small Fin?

Which are the latest news on ESAF Small Fin?