Home›Stock Screener›ESAF Small Finance Bank›Financial Statements

ESAF Small Finance Bank Complete Financial Statements

8 Years of Data
2026 - 2019

In FY2026, ESAF Small Finance Bank (ESAFSFB) reported revenue ₹3,537 Cr, net profit ₹-166 Cr and EPS ₹-3.23, with a net profit margin of -4.7% and ROE of -8.5%. Full financial statements from FY2019 to FY2026 (8 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Review ESAF Small Finance Bank P/E valuation to evaluate earnings-based valuation against sector peers.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin -4.69% 2026 data
Operating Margin 23.00% 2026 data
Return on Assets -0.61% 2026 data
Return on Equity -8.52% 2026 data

Balance Sheet Ratios

Current Ratio 0.10 2026 data
Equity Ratio 7.17% 2026 data
Asset Turnover 0.13 2026 data

ESAFSFB Revenue, Net Profit & EBITDA — Year-on-Year Growth

ESAFSFB YoY (March 2025 vs March 2026) — revenue -18.3%, net profit +68.1%, EBITDA +100.0%, expenses -13.1%. Explore ESAFSFB investment value to estimate fundamental worth using multiple valuation models.

Revenue Growth
-18.3%
Year-over-Year
Net Profit Growth
+68.1%
Year-over-Year
EBITDA Growth
+100.0%
Year-over-Year
Expense Growth
-13.1%
Year-over-Year
Assets Growth
+4.2%
Year-over-Year
Equity Growth
-21.8%
Year-over-Year
Operating Cash Flow Growth
+217.3%
Year-over-Year
Investing Cash Flow Growth
-31.9%
Year-over-Year
Financing Cash Flow Growth
-888.1%
Year-over-Year

ESAFSFB Income Statement — Revenue, EBITDA & Net Profit

ESAF Small Finance Bank revenue ₹3,537 Cr, EBITDA ₹0 Cr, net profit ₹-166 Cr, EPS ₹-3.23 (2026) — net profit margin -4.7%. For live price, earnings ratios and company overview, see ESAFSFB stock price BSE.

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019
Revenue 3,537 4,329 4,260 3,142 2,148 1,768 1,546 1,141
Expenses 2,739 3,152 2,190 1,676 1,248 879 646 538
EBITDA 0 -634 621 448 107 170 279 144
Operating Profit Margin % 23.00% 18.00% 43.00% 41.00% 36.00% 46.00% 54.00% 48.00%
Depreciation 0 59 51 42 33 29 23 17
Interest 1,837 1,811 1,449 1,017 793 720 621 458
Profit Before Tax -228 -693 570 406 74 141 256 127
Tax -62 -172 145 104 19 36 66 37
Net Profit -166 -521 426 302 55 105 190 90
Earnings Per Share (₹) -3.23 -10.13 8.96 6.73 1.22 2.46 4.45 2.37

ESAFSFB Balance Sheet — Assets, Liabilities & Shareholders' Equity

ESAFSFB total assets ₹27,178 Cr, total equity ₹1,949 Cr, total liabilities ₹ Cr (2025) — ROE -8.5%.

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021 2020 2019
ASSETS
Total Assets 27,178 26,087 20,224 17,708 12,339 9,470 7,058
Current Assets 2,637 1,999 1,185 1,776 2,065 1,057 884
Fixed Assets 237 205 188 159 133 116 86
Capital Work in Progress 63 3 0 0 6 4 4
Investments 5,995 5,541 4,889 4,070 1,932 1,734 1,531
Other Assets 20,883 20,338 15,147 13,478 10,268 7,616 5,438
LIABILITIES
Total Liabilities
Current Liabilities 26,631 25,582 19,735 17,180 12,046 9,316 6,913
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 1,949 2,492 1,715 1,412 1,352 1,084 894
Share Capital 515 515 450 450 450 428 428
Reserves & Surplus 1,434 1,977 1,266 962 903 656 466

ESAFSFB Cash Flow Statement — Operating, Investing & Financing

ESAF Small Finance Bank operating cash flow ₹3,176 Cr, investing ₹-769 Cr, financing ₹-1,852 Cr, net cash flow ₹556 Cr (2025).

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019
Operating Activities 3,176 1,001 -571 -585 1,127 1,089 -239
Investing Activities -769 -583 -573 -982 -638 -635 -171
Financing Activities -1,852 235 399 1,259 653 -499 488
Net Cash Flow 556 654 -745 -308 1,143 -45 78