ESAF Small Finance Bank Ltd (ESAFSFB) — shareholding pattern, promoter holding, financials and share price
About ESAF Small Finance Bank Ltd (ESAFSFB)
ESAF Small Finance Bank Ltd operates in the Other Bank industry, within the Financial Services sector. It trades on the NSE as ESAFSFB and on the BSE under scrip code 544020. Its ISIN is INE818W01011.
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]
ESAF Small Finance Bank is a leading small finance bank in India focused on financial inclusion by servicing the underserved segments through micro, retail, and corporate banking products.
In Q3 FY26, the bank reported a turnaround in profitability with a PAT of ₹7 crores, a significant improvement from prior losses, driven by robust operational performance and strategic focus on secured lending.
Listed peers in Other Bank: Equitas Small Finance Bank Ltd, Jana Small Finance Bank Ltd, Utkarsh Small Finance Bank Ltd, Suryoday Small Finance Bank Ltd, Capital Small Finance Bank Ltd, Fino Payments Bank Ltd.
Valuation & Returns
10 Jul 2026At ₹35.66 a share on 10 Jul 2026, ESAF Small Finance Bank Ltd (ESAFSFB) was valued at a price-to-book of 0.94x on a book value of ₹37.78 per share as of Mar 2025. Solomo computes return on equity of -8.54% and return on capital employed of 5.21% from filed results. Earnings ratios use standalone results for the twelve months Jun 2025 to Mar 2026.
- Industry P/E
- 13.51x
- P/B
- 0.94x
- EPS (TTM)
- ₹-3.23
- Book value / share
- ₹37.78
- ROE
- -8.54%
- ROCE
- 5.21%
- ROA
- -0.61%
- Debt / equity
- 12.66x
- Dividend yield
- 0%
- EBITDA margin
- 45.49%
- 52-week range
- ₹19.74 – ₹36.96
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, ESAF Small Finance Bank Ltd (ESAFSFB) reported revenue of ₹3,537 crore, net profit of ₹-166 crore and earnings per share of ₹-3.23. That compares with revenue of ₹3,862 crore and net profit of ₹-521 crore in Mar 2025. Figures are standalone, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹995 crore and net profit ₹24 crore (standalone).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 1,940 | 2,854 | 3,819 | 3,862 | 3,537 |
| Net profit (₹ cr) | 55 | 302 | 426 | -521 | -166 |
| EPS (₹) | 1.22 | 6.73 | 8.27 | -10.12 | -3.23 |
| Measure | 5Y | 3Y | 1Y |
|---|---|---|---|
| Sales growth | 22.27% | 25.80% | 1.15% |
| Profit growth | - | - | -222.52% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 63.25% of ESAF Small Finance Bank Ltd (ESAFSFB) (down 0.03 pp QoQ), foreign institutional investors (FII) hold 0.32% and domestic institutional investors (DII) hold 3.8%. Market capitalisation was ₹1,840 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Dec 2023.
Largest disclosed public shareholders in Jun 2026: Yusuffali Musaliam Veettil Abdul Kader 4.48%, Muthoot Finance Limited 3.63%, George Ittan Maramkandathil 2.58%, Edelweiss Life Insurance Company Limited 1.55%, Bajaj Life Insurance Limited 1.22%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 63.25% | - | 0.32% | 3.8% | 36.75% |
| Mar 2026 | 63.28% | - | 0.01% | 4.63% | 36.72% |
| Dec 2025 | 63.3% | - | 0.01% | 4.97% | 36.7% |
| Sep 2025 | 63.3% | - | 0.16% | 5% | 36.7% |
| Jun 2025 | 63.31% | - | 0.17% | 5% | 36.69% |
| Mar 2025 | 63.31% | - | 0.27% | 5% | 36.69% |
| Dec 2024 | 63.36% | - | 0.16% | 5.03% | 36.64% |
| Sep 2024 | 63.38% | - | 0.15% | 5.56% | 36.62% |