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Financials Ratios
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ESAF Small Finance Bank Ltd.
BSE CODE: 544020   |   NSE CODE: ESAFSFB   |   ISIN CODE : INE818W01011   |   24-Jul-2026 Hrs IST
BSE NSE
Rs. 38.72
3.12 ( 8.76% )
 
Prev Close ( Rs.)
35.60
Open ( Rs.)
35.55
 
High ( Rs.)
38.90
Low ( Rs.)
35.20
 
Volume
700032
Week Avg.Volume
202743
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 38.69
3.14 ( 8.83% )
 
Prev Close ( Rs.)
35.55
Open ( Rs.)
35.77
 
High ( Rs.)
39.00
Low ( Rs.)
35.12
 
Volume
11588732
Week Avg.Volume
2935810
 
52 WK High-Low Range(Rs.)
19.78
39
Particulars Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Operational & Financial Ratios          
   Earnings Per Share (Rs)-3.23  -10.12  8.27  6.73  1.22  
   DPS(Rs)0.00  0.00  0.70  0.00  0.00  
   Book NAV/Share(Rs)34.52  37.74  48.29  38.03  31.30  
Margin Ratios          
   Yield on Advances16.38  21.40  20.87  20.49  16.67  
   Yield on Investments7.71  8.03  6.74  6.70  5.70  
   Cost of Liabilities6.42  7.34  6.27  5.65  5.03  
   NIM5.83  7.87  9.38  9.38  6.66  
   Interest Spread9.96  14.06  14.60  14.85  11.64  
Performance Ratios          
   ROA(%)-0.57  -1.96  1.84  1.59  0.36  
   ROE(%)-8.93  -23.53  20.29  19.41  3.97  
   ROCE(%)-1.58  -10.91  14.45  12.42  5.07  
Efficiency Ratios          
   Cost Income Ratio71.64  77.88  58.65  57.93  63.69  
   Core Cost Income Ratio71.15  80.48  59.51  55.93  64.66  
   Operating Costs to Assets5.83  7.22  6.32  6.08  4.87  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)0.00  0.00  6.56  0.00  0.00  
   PCE(x)-10.17  -2.74  5.85  0.00  0.00  
   Price/Book(x)0.58  0.65  1.12  0.00  0.00  
   Yield(%)0.00  0.00  1.29  0  0  
   EV/Net Sales(x)1.07  0.69  1.57  1.33  1.75  
   EV/Core EBITDA(x)5.31  4.79  5.17  4.26  6.92  
   EV/EBIT(x)2.35  2.39  2.98  2.67  3.93  
   EV/CE(x)0.83  0.80  1.05  0.75  0.78  
   M Cap / Sales0.29  0.33  0.73  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth-16.96  -13.63  29.05  60.07  24.47  
   Operating Profit Growth17.49  -185.05  -43.69  14.97  -24.34  
   Net Profit Growth68.08  -222.52  40.76  452.39  -48.07  
   BVPS Growth-8.52  -21.86  27.01  -99.88  4.05  
   Advances Growth19.78  -1.45  31.38  19.66  42.48  
   EPS Growth(%)68.10  -222.36  22.90  452.39  -48.07  
Liquidity Ratios          
   Loans/Deposits(x)0.11  0.06  0.16  0.23  0.23  
   Cash / Deposits(x)0.04  0.06  0.07  0.05  0.10  
   Investment / Deposits(x)0.25  0.26  0.28  0.33  0.32  
   IncLoan / Deposits(x)10.65  6.04  16.22  22.87  23.04  
   Credit/Deposits(%)83.54  77.45  92.07  94.95  90.81  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)1.77  2.99  2.26  1.13  3.92