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Swing Capital

ESAF Small Finance Bank Ltd

NSE: ESAFSFB BSE: 544020Banking

Incorporated in 1992, ESAF Small Finance Bank provides micro, retail and corporate banking, para banking activities such as debit card, third party financial product distribution, in addition to treasury and permitted foreign exchange business[1]

₹28
52W: ₹19.7 — ₹36.2
PE 0 · Book ₹34.5 · -19% vs book
Market Cap₹1,443 Cr
Stock P/E—Price to Earnings
ROCE5.64%Return on Capital
ROE8.92%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 0.83 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of -4.24% over last 3 years.
  • −Earnings include an other income of Rs.811 Cr.

Shareholding Pattern

Promoters63.28%
FIIs0.01%
DIIs4.63%
Public32.08%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters63.39%63.38%▼0.063.36%▼0.063.31%▼0.063.31%63.3%▼0.063.29%▼0.063.28%▼0.0
FIIs0.12%0.15%▲0.00.16%▲0.00.27%▲0.10.16%▼0.10.16%0.01%▼0.10.01%
DIIs8.9%5.56%▼3.35.02%▼0.55%▼0.05%5%4.97%▼0.04.63%▼0.3
Public27.57%30.92%▲3.431.45%▲0.531.41%▼0.031.51%▲0.131.53%▲0.031.74%▲0.232.08%▲0.3

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses567682619834881820682672693692
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit1124363-190-211-183-81-116724
EPS ₹2.180.841.22-3.69-4.09-3.55-1.58-2.250.140.46

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 4.63% (-6.35pp change). FIIs: 0.01% (-1.15pp change). Promoters hold 63.28%.

Margin & Efficiency

ROCE improving from 0% (Mar 2017) to 0% (Mar 2026). Working capital days: 0.

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