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About the company
ESAF Small Finance Bank Limited (the Bank) is a small finance bank with a focus on unbanked and underbanked customer segments, especially in urban, semi-urban, rural and rural unbanked areas. The Bank provides micro, retail, and corporate banking, para-banking activities such as debit cards, third-party financial product distribution, in addition to treasury and permitted foreign exchange business. The Company's segments include treasury, wholesale banking, retail banking, and other banking operations. The treasury segment primarily consists of interest earnings on its investment portfolio, gains or losses on investment operations, and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para-banking activities, such as debit cards, third-party product distribution, and associated costs.
- Revenue in INR (TTM)34.36bn
- Net income in INR-3.73bn
- Incorporated2016
- Employees5.97k
- LocationESAF Small Finance Bank LimitedESAF Bhavan, Mannuthy P. O.,THRICHUR 680651IndiaIND
- Phone+91 4 877123456
- Websitehttps://www.esafbank.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dhanlaxmi Bank Ltd | 15.09bn | 882.41m | 9.58bn | 1.76k | 10.28 | 0.6656 | -- | 1.30 | 2.36 | 2.36 | 19.38 | 36.45 | -- | -- | -- | -- | 0.4792 | 0.3378 | -- | -- | -- | -- | 11.99 | 8.77 | -- | -- | -- | -- | 9.35 | 5.97 | 15.25 | 7.66 | 4.93 | -- |
| Centrum Capital Ltd | 35.95bn | -1.27bn | 11.76bn | 6.20k | -- | 2.60 | -- | 0.3273 | -3.04 | -3.04 | 85.82 | 10.11 | 0.1642 | -- | 68.75 | 5,797,863.00 | -0.6844 | -1.10 | -1.52 | -3.96 | 96.62 | 44.38 | -4.17 | -7.88 | -- | 0.9939 | 0.7418 | -- | 58.30 | 49.37 | -88.71 | -- | 123.62 | -- |
| ESAF Small Finance Bank Limited | 34.36bn | -3.73bn | 15.00bn | 5.97k | -- | -- | -- | 0.635 | -7.22 | -7.22 | 45.93 | -- | -- | -- | -- | -- | -- | 0.3872 | -- | -- | -- | -- | -15.79 | 3.72 | -- | -- | -- | -- | 1.15 | 22.27 | -222.52 | -- | 23.38 | -- |
| FINO Payments Bank Ltd | 2.37bn | 693.65m | 19.47bn | 2.77k | 28.14 | -- | -- | 1.19 | 8.32 | 8.32 | 195.47 | -- | -- | -- | -- | -- | -- | 2.79 | -- | -- | -- | -- | 4.26 | 5.03 | -- | -- | -- | 0.00 | 30.11 | 60.85 | 7.32 | -- | 39.69 | -- |
| Utkarsh Small Finance Bank Ltd | 34.22bn | -9.60bn | 24.81bn | 19.78k | -- | -- | -- | 1.17 | -6.96 | -6.96 | 15.51 | -- | -- | -- | -- | -- | -- | 1.24 | -- | -- | -- | -- | -45.39 | 12.26 | -- | -- | -- | 0.00 | 18.45 | 23.55 | -95.24 | -33.82 | 28.38 | -- |
| Jana Small Finance Bank Ltd | 51.38bn | 3.10bn | 41.97bn | 25.38k | 13.56 | -- | -- | 1.21 | 29.40 | 29.40 | 329.64 | -- | -- | -- | -- | -- | -- | 1.22 | -- | -- | -- | -- | 8.92 | 13.23 | -- | -- | -- | -- | 17.36 | 18.79 | -25.11 | 75.49 | 28.29 | -- |
| DCB Bank Ltd | 72.39bn | 7.03bn | 63.90bn | 11.06k | 8.98 | -- | -- | 1.98 | 22.11 | 22.11 | 101.35 | -- | -- | -- | -- | -- | -- | 0.8701 | -- | -- | -- | -- | 21.82 | 20.48 | -- | -- | -- | -- | 20.67 | 12.84 | 14.81 | 12.73 | 13.29 | -- |
| CSB Bank Ltd | 42.85bn | 6.22bn | 69.58bn | 7.62k | 11.45 | -- | -- | 2.42 | 35.86 | 35.86 | 165.98 | -- | -- | -- | -- | -- | -- | 1.62 | -- | -- | -- | -- | 21.60 | 26.79 | -- | -- | -- | 0.00 | 22.87 | 18.96 | 4.76 | 115.67 | 46.81 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Bajaj Allianz Life Insurance Co. Ltd.as of 31 Dec 2024 | 10.43m | 2.02% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Dec 2025 | 0.00 | 0.00% |
