ESAF Small Fin

Market Cap: Small Cap
Industry: Other Bank
ISIN: INE818W01011
NSEID: ESAFSFB
BSEID: 544020

INR

26.70

1 (3.89%)

BSENSE

Dec 15

BSE+NSE Vol: 6.34 lacs

{
  "main_header": {
    "sid": 10039069,
    "name": "ESAF Small Fin",
    "stock_name": "ESAF Small Fin",
    "full_name": "ESAF Small Finance Bank Ltd",
    "name_url": "stocks-analysis/esaf-small-fin",
    "exchange": 0,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "26.70",
    "chg": 1,
    "chgp": "3.89%",
    "dir": 1,
    "prev_price": "25.70",
    "mcapval": "1,317.00 Cr",
    "mcap": "Small Cap",
    "scripcode": 544020,
    "symbol": "ESAFSFB",
    "ind_name": "Other Bank",
    "ind_code": 50,
    "indexname": "",
    "isin": "INE818W01011",
    "curr_date": "Dec 15",
    "curr_time": "",
    "bse_nse_vol": "6.34 lacs",
    "exc_status": "Active",
    "traded_date": "Dec 15, 2025",
    "traded_date_str": "2025 12 15",
    "score": "",
    "scoreText": "",
    "Live": 0,
    "market_time": 0,
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  "news": {
    "results": [
      {
        "title": "Why is ESAF Small Fin falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-esaf-small-fin-fallingrising-3752555",
        "imagepath": "",
        "date": "2025-12-09 01:24:20",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Recent Price Movement and Market Context</strong></p>\n<p>The stock has been under significant pressure, losing 7.18% over the past week compared to a modest 0.63% decline in the Sensex. Over the last month, ESAF Small Finance Bank’s shares have fallen by 10.05%, while the Sensex gained 2.27%. Year-to-date, the stock has plummeted 41.22%, starkly contrasting with the Sensex’s 8.91% rise. This underperformance extends over the one-year horizon as well, with ESAF Small Finance Bank’s shares down 40.86% against a 4.15% gain in the benchmark index.</p>\n<p>On the day of 08-Dec, the stock traded close to its 52-week low, just 1.46% above the lowest price of ₹24.35. Intraday, it touched a low of ₹24.7, reflecting a 5.47% drop. The weighted average price indicates that a larger volume of shares excha..."
      },
      {
        "title": "ESAF Small Fin Sees Revision in Market Assessment Amidst Challenging Financials",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/esaf-small-fin-downgraded-to-strong-sell-amid-deteriorating-fundamentals-3737130",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/ESAFSmallFin_mojoScore_3737130.png",
        "date": "2025-11-30 10:24:43",
        "description": "ESAF Small Fin has experienced a revision in its market evaluation reflecting ongoing challenges in its financial and operational metrics. The recent adjustment highlights concerns across multiple analytical parameters, underscoring the pressures faced by this small-cap player in the Other Bank sector."
      },
      {
        "title": "How has been the historical performance of ESAF Small Fin?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-esaf-small-fin-3695774",
        "imagepath": "",
        "date": "2025-11-13 00:39:17",
        "description": "Answer:\nThe 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.\n\nBreakdown:\nESAF 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, ..."
      },
      {
        "title": "Are ESAF Small Fin latest results good or bad?",
        "link": "https://www.marketsmojo.com/news/result-analysis/are-esaf-small-fin-latest-results-good-or-bad-3693268",
        "imagepath": "",
        "date": "2025-11-12 19:35:49",
        "description": "The latest financial results for ESAF Small Finance Bank indicate significant challenges across various operational metrics. In Q2 FY26, the bank reported a net profit of -₹81.22 crores, marking a substantial decline compared to the same period last year, and a worsening from the previous quarter's loss. This reflects ongoing difficulties in achieving profitability, exacerbated by a sharp drop in net interest income, which fell to ₹377.87 crores, down 35.76% year-on-year.\n\nThe bank's interest earned also showed a decline, reaching ₹828.23 crores, which is a decrease of 18.99% compared to Q2 FY25. The net interest margin has compressed significantly to 6.0%, down from 9.4% in the previous year, indicating fundamental challenges in maintaining profitability amid rising competitive pressures.\n\nFurthermore, the asset quality metrics reveal a concerning trend, with gross non-performing assets (NPAs) rising to 7...."
      },
      {
        "title": "ESAF Small Finance Bank Q2 FY26: Mounting Losses Signal Deepening Asset Quality Crisis",
        "link": "https://www.marketsmojo.com/news/result-analysis/esaf-small-finance-bank-q2-fy26-mounting-losses-signal-deepening-asset-quality-crisis-3691340",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/ESAFSmallFinanc_quaterlyResult_3691340.png",
        "date": "2025-11-11 20:36:10",
        "description": "ESAF Small Finance Bank Ltd. reported its third consecutive quarterly loss in Q2 FY26, posting a net loss of ₹81.22 crores compared to a profit of ₹62.77 crores in Q2 FY25, marking a staggering 229.39% year-on-year deterioration. The Thrissur-based small finance bank continues to grapple with severe asset quality challenges, with gross non-performing assets climbing to 7.48% and provisions consuming a substantial ₹234.12 crores during the quarter. The stock has plunged 37.07% over the past year, trading at ₹27.67 with a market capitalisation of ₹1,441 crores, reflecting mounting investor concerns about the bank's ability to navigate its mounting credit challenges."
      },
      {
        "title": "Why is ESAF Small Fin falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-esaf-small-fin-fallingrising-3677713",
        "imagepath": "",
        "date": "2025-11-07 00:11:24",
        "description": "As of 06-Nov, ESAF Small Finance Bank Ltd's stock price is currently at 27.32, reflecting a decline of 0.54, or 1.94%. The stock has been underperforming, with a consecutive fall over the last three days resulting in a total drop of 2.71%. It is trading below all key moving averages, indicating a bearish trend. Additionally, the stock's performance over the past week shows a decline of 1.12%, while it has significantly underperformed the benchmark Sensex, which has gained 1.86% over the last month. The bank's weak financial health is highlighted by a low Capital Adequacy Ratio of 0%, a high Cost to Income ratio of 79.65%, and a troubling history of negative results over the last six quarters, which have contributed to a substantial annual net profit decline of 236.43%.\n\nIn the broader market context, ESAF Small Finance Bank's recent performance contrasts sharply with the Sensex, which has shown resilience w..."
      },
      {
        "title": "Is ESAF Small Fin technically bullish or bearish?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-esaf-small-fin-technically-bullish-or-bearish-3654501",
        "imagepath": "",
        "date": "2025-10-29 08:22:00",
        "description": "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...."
      },
      {
        "title": "ESAF Small Finance Bank Faces Mixed Technical Trends Amid Market Volatility",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/esaf-small-finance-banks-technical-trend-changes-from-mildly-bearish-to-bearish-amid-stock-decline-3654762",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/10/ESAFSmallFinanc_technicaldot_3654762.png",
        "date": "2025-10-29 08:15:38",
        "description": "ESAF Small Finance Bank has experienced recent stock price fluctuations, currently trading at 28.50. The technical indicators present a mixed outlook, with some showing bullish trends while others indicate bearish conditions. The bank's performance has lagged behind the Sensex, reflecting significant year-to-date declines."
      },
      {
        "title": "Is ESAF Small Fin technically bullish or bearish?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-esaf-small-fin-technically-bullish-or-bearish-3636910",
        "imagepath": "",
        "date": "2025-10-21 08:24:15",
        "description": "As of 20 October 2025, the technical trend for ESAF Small Fin has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by several key indicators. The MACD on a weekly basis is mildly bullish, which contrasts with the daily moving averages that remain bearish. The RSI shows no signal on the weekly timeframe but is bullish on the monthly, indicating some potential strength. However, Bollinger Bands and KST are both mildly bearish on the weekly, and Dow Theory shows no trend on the weekly while being mildly bearish on the monthly. Overall, the mixed signals suggest a cautious outlook, with bearish tendencies prevailing in the short term...."
      }
    ],
    "total": 171,
    "sid": "10039069",
    "stock_news_url": "https://www.marketsmojo.com/news/esaf-small-finance-bank-10039069"
  },
  "announcements": [
    {
      "caption": "Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot",
      "datetime": "12-Dec-2025",
      "details": "Scrutinizer Report and Voting Results of the Postal Ballot",
      "source": "BSE"
    },
    {
      "caption": "Announcement under Regulation 30 (LODR)-Change in Directorate",
      "datetime": "12-Dec-2025",
      "details": "Announcement under Regulation 30 of SEBI LODR Regulations 2015.",
      "source": "BSE"
    },
    {
      "caption": "Board Meeting Outcome for Outcome Of The Board Meeting Held On December 12 2025",
      "datetime": "12-Dec-2025",
      "details": "Outcome of the Board meeting held on December 12 2025",
      "source": "BSE"
    }
  ],
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "",
      "data": [
        {
          "txt": "ESAF Small Finance Bank Ltd has declared <strong>7%</strong> dividend, ex-date: 07 Aug 24",
          "dt": "2024-08-07",
          "middle_text": "Dividend Alert"
        }
      ]
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "No <strong>Splits</strong> history available",
      "data": []
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "No <strong>Bonus</strong> history available",
      "data": []
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

Why is ESAF Small Fin falling/rising?

2025-12-09 01:24:20

Recent Price Movement and Market Context

The stock has been under significant pressure, losing 7.18% over the past week compared to a modest 0.63% decline in the Sensex. Over the last month, ESAF Small Finance Bank’s shares have fallen by 10.05%, while the Sensex gained 2.27%. Year-to-date, the stock has plummeted 41.22%, starkly contrasting with the Sensex’s 8.91% rise. This underperformance extends over the one-year horizon as well, with ESAF Small Finance Bank’s shares down 40.86% against a 4.15% gain in the benchmark index.

On the day of 08-Dec, the stock traded close to its 52-week low, just 1.46% above the lowest price of ₹24.35. Intraday, it touched a low of ₹24.7, reflecting a 5.47% drop. The weighted average price indicates that a larger volume of shares excha...

ESAF Small Fin Sees Revision in Market Assessment Amidst Challenging Financials

2025-11-30 10:24:43

ESAF Small Fin has experienced a revision in its market evaluation reflecting ongoing challenges in its financial and operational metrics. The recent adjustment highlights concerns across multiple analytical parameters, underscoring the pressures faced by this small-cap player in the Other Bank sector.

How has been the historical performance of ESAF Small Fin?

2025-11-13 00:39:17

Answer: 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. Breakdown: 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, ...

Are ESAF Small Fin latest results good or bad?

2025-11-12 19:35:49

The latest financial results for ESAF Small Finance Bank indicate significant challenges across various operational metrics. In Q2 FY26, the bank reported a net profit of -₹81.22 crores, marking a substantial decline compared to the same period last year, and a worsening from the previous quarter's loss. This reflects ongoing difficulties in achieving profitability, exacerbated by a sharp drop in net interest income, which fell to ₹377.87 crores, down 35.76% year-on-year. The bank's interest earned also showed a decline, reaching ₹828.23 crores, which is a decrease of 18.99% compared to Q2 FY25. The net interest margin has compressed significantly to 6.0%, down from 9.4% in the previous year, indicating fundamental challenges in maintaining profitability amid rising competitive pressures. Furthermore, the asset quality metrics reveal a concerning trend, with gross non-performing assets (NPAs) rising to 7....

ESAF Small Finance Bank Q2 FY26: Mounting Losses Signal Deepening Asset Quality Crisis

2025-11-11 20:36:10

ESAF Small Finance Bank Ltd. reported its third consecutive quarterly loss in Q2 FY26, posting a net loss of ₹81.22 crores compared to a profit of ₹62.77 crores in Q2 FY25, marking a staggering 229.39% year-on-year deterioration. The Thrissur-based small finance bank continues to grapple with severe asset quality challenges, with gross non-performing assets climbing to 7.48% and provisions consuming a substantial ₹234.12 crores during the quarter. The stock has plunged 37.07% over the past year, trading at ₹27.67 with a market capitalisation of ₹1,441 crores, reflecting mounting investor concerns about the bank's ability to navigate its mounting credit challenges.

Why is ESAF Small Fin falling/rising?

2025-11-07 00:11:24

As of 06-Nov, ESAF Small Finance Bank Ltd's stock price is currently at 27.32, reflecting a decline of 0.54, or 1.94%. The stock has been underperforming, with a consecutive fall over the last three days resulting in a total drop of 2.71%. It is trading below all key moving averages, indicating a bearish trend. Additionally, the stock's performance over the past week shows a decline of 1.12%, while it has significantly underperformed the benchmark Sensex, which has gained 1.86% over the last month. The bank's weak financial health is highlighted by a low Capital Adequacy Ratio of 0%, a high Cost to Income ratio of 79.65%, and a troubling history of negative results over the last six quarters, which have contributed to a substantial annual net profit decline of 236.43%. In the broader market context, ESAF Small Finance Bank's recent performance contrasts sharply with the Sensex, which has shown resilience w...

Is ESAF Small Fin technically bullish or bearish?

2025-10-29 08:22:00

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....

ESAF Small Finance Bank Faces Mixed Technical Trends Amid Market Volatility

2025-10-29 08:15:38

ESAF Small Finance Bank has experienced recent stock price fluctuations, currently trading at 28.50. The technical indicators present a mixed outlook, with some showing bullish trends while others indicate bearish conditions. The bank's performance has lagged behind the Sensex, reflecting significant year-to-date declines.

Is ESAF Small Fin technically bullish or bearish?

2025-10-21 08:24:15

As of 20 October 2025, the technical trend for ESAF Small Fin has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by several key indicators. The MACD on a weekly basis is mildly bullish, which contrasts with the daily moving averages that remain bearish. The RSI shows no signal on the weekly timeframe but is bullish on the monthly, indicating some potential strength. However, Bollinger Bands and KST are both mildly bearish on the weekly, and Dow Theory shows no trend on the weekly while being mildly bearish on the monthly. Overall, the mixed signals suggest a cautious outlook, with bearish tendencies prevailing in the short term....

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