ESAF Small Finance Bank provides banking and financial services primarily to underserved customers, including microfinance borrowers, small businesses, agriculture, and retail customers. Its focus on financial inclusion gives it exposure to customers transitioning into the formal financial system. Increasing credit penetration in semi-urban and rural markets provides long-term growth opportunities. Expansion of retail deposits and secured lending can diversify the loan portfolio. Asset quality, credit costs, deposit growth, funding costs, interest rates, and regulatory changes remain important considerations.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Beta |
|---|---|---|---|---|---|---|---|---|---|
| ₹2,236 cr | — | — | — | -0.10 | 1.26 | -8.9% | -23.5% | -0.57% | 0.79 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 1,098 | 80 | 1.55 | turnaround | +32.5% | 7.3% |
| Mar 2026 | 1,196 | 24 | 0.46 | turnaround | +33.9% | 2.0% |
| Dec 2025 | 894 | — | — | — | -5.9% | — |
| Sep 2025 | 820 | -116 | -2.25 | — | -17.7% | -14.1% |
| Jun 2025 | 828 | -81 | -1.58 | -229.5% | -19.0% | -9.8% |
| Mar 2025 | 893 | -183 | -3.56 | -491.2% | -10.8% | -20.5% |
| Dec 2024 | 950 | -211 | -4.10 | -268.7% | -2.5% | -22.2% |
| Sep 2024 | 996 | -190 | -3.69 | -161.4% | -45.9% | -19.1% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | — Not assessable |
| EPS growth accelerating over 3 quarters | — Not assessable |
| Sales up 25%+, or sales growth accelerating | ✓ Pass |
| Annual EPS up 25%+ in each of the last 2 years | — Not assessable |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✓ Close above the 150- and 200-day averages ✓ 150-day above 200-day ✓ 200-day rising for a month ✓ 50-day above the 150- and 200-day ✓ Close above the 50-day ✓ At least 25% above the 52-week low · low 19.86 ✓ Within 25% of the 52-week high · high 44.71 ✓ RS percentile 70 or more · RS 89 Trend template - the gate, measured: a modest 21-day edge. | 8/8 | Pass |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 2 - advancing | |
| CAN SLIM | — C latest quarter EPS up 25%+ — A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✓ N within 15% of the 52-week high · high 44.71 ✓ S more volume on up days than down days (50 sessions) · 1.07x ✓ L RS percentile 80 or more · RS 89 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 4/4 | Strong |
| Darvas | ✓ Box top confirmed (3 sessions below the new high) · top 46.00 ✓ Box bottom confirmed (3 sessions holding) · bottom 40.40 ✗ Close above the box top · close 43.34 ✗ Volume at least 1.5x its 50-day average · 0.3x Nicolas Darvas's box: buy the breakout above a confirmed box after a new high. | 66/100 | In box |
| Turtle | ✗ Close above the prior 55-session high · 46.00 ✗ Close above the prior 20-session high · 46.00 ✗ Close below the prior 20-session low · 38.27 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | Needs positive earnings and book value. | Not assessable | |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ESAFSFB this stock | +10.6 | +22.4 | +81.4 | +54.1 | — | — | — | 1.26 | -8.9 | — | -0.57 | — | — | 2,236 | — | — | -0.1 | 0.79 |
| TMB | -3.1 | +7.7 | +30.8 | +97.9 | +50.7 | — | 9.5 | 1.36 | 14.0 | — | 1.89 | — | — | 13,750 | 6,096 | 1,444 | 91.2 | 1.33 |
| FEDERALBNK | +4.8 | -0.5 | +18.5 | +64.3 | +137.6 | +275.7 | 16.6 | 1.96 | 11.7 | — | 1.18 | — | — | 86,260 | 31,552 | 5,379 | 21.1 | 0.85 |
| DCBBANK | -3.6 | +10.8 | +8.7 | +63.0 | +73.8 | +123.7 | 8.5 | 1.04 | 12.0 | — | 0.89 | — | — | 6,776 | 7,575 | 788 | 24.6 | 1.49 |
| KARURVYSYA | +11.4 | +22.9 | +34.7 | +62.7 | +200.8 | +791.7 | 12.1 | 2.32 | 19.3 | — | 1.96 | — | — | 35,773 | 11,983 | 2,958 | 30.6 | 1.22 |
| MAHABANK | -3.1 | +0.6 | +7.2 | +41.8 | +77.0 | +275.7 | 8.3 | 1.87 | 22.7 | — | 1.76 | — | — | 62,271 | 30,262 | 7,448 | 9.8 | 1.39 |
| CUB | -2.0 | +2.6 | +15.9 | +40.4 | +122.5 | +85.1 | 16.3 | 2.17 | 13.2 | — | 1.52 | — | — | 22,882 | 7,249 | 1,403 | 14.2 | 1.13 |
| J&KBANK | -4.9 | -23.5 | +6.2 | +33.2 | +24.2 | +259.1 | 6.7 | 0.93 | 15.4 | — | 1.32 | — | — | 15,347 | 13,429 | 2,307 | 20.9 | 1.34 |
| UNIONBANK | +2.3 | +2.7 | -4.5 | +32.2 | +76.3 | +298.0 | 6.7 | 1.03 | 15.2 | — | 1.21 | — | — | 1.38L | 1.08L | 20,012 | 27.1 | 1.31 |
| UJJIVANSFB | -2.8 | -3.7 | +10.1 | +29.7 | +9.1 | +176.6 | 10.7 | 1.64 | 10.7 | — | 1.32 | — | — | 12,331 | 7,809 | 1,149 | 5.9 | 1.52 |
| RBLBANK | -9.7 | +2.0 | +18.4 | +25.5 | +53.0 | +97.6 | 26.8 | 1.34 | 5.4 | — | 0.54 | — | — | 58,303 | 15,550 | 1,205 | 14.0 | 1.07 |