₹41.64
-0.38% today
· 30d -2.25%
as of 2026-09-04
Price · Daily Candles
“ESAF Small Finance Bank: Q4 operating profit explodes, but annual net profit sinks into the red.”
ESAF Small Finance Bank reports a mixed bag, with a significant 166.15% YoY increase in quarterly operating profit to ₹241 Cr for Q4 2026, alongside a 33.91% YoY surge in quarterly revenue to ₹1196 Cr. However, the annual picture is grim, with a net loss of -₹166 Cr for FY2026, leading to a negative ROE of -9.35%.
BULL CASE
+Q4 2026 operating profit soared by 166.15% YoY to ₹241 Cr.
+Quarterly revenue for Q4 2026 grew by 33.91% YoY to ₹1196 Cr.
+The stock has seen a 1-month return of 24.41% as of May 26, 2026.
+Sales growth predictions show a neutral to strong outlook, with sales_1y_recent_2y at 0.63 and sales_1y_rolling_4y at 0.641.
BEAR CASE
−The company posted an annual net loss of -₹166 Cr for FY2026, a significant drop from the prior year.
−ROE stands at a negative -9.35%, indicating poor profitability for shareholders.
−The stock is down 3.04% over the last year, and currently trades 19.75% off its 52-week high of ₹36.2.
−DII holding decreased by 0.34% QoQ to 4.63% in Q4 2026.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹1098 Cr
+32.54% YoY
NET PROFIT
₹80 Cr
OPM
25.93%
+13.72pp YoY
EPS
₹1.55
Intrinsic value · DCF: N/A — Free Cash Flow not reported (typical for banks / NBFCs). Use the Strategy Fit and ML sections instead.
◇ Sector Position
ESAFSFB trades at a PB of 0.85, significantly below peers like HDFCBANK (PB of 0.84 but a PE of 15.77) and ICICIBANK (PE of 17.0), but its negative ROE of -9.35% contrasts sharply with the positive ROCE of its peers.
PEERPEROCE %
ESAFSFB——
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ML Forward Growth Predictions 🔒
64
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
STRONG
90
Valuation
—
—
Growth
STEADY
62
Profitability
AVERAGE
48
Technicals
STRONG
70
Risk
MODERATE
50
Key Stats
P/B
0.85
52W HIGH
₹44.98
OFF HIGH
-7.43%
MKT CAP
₹2143 Cr
◉ Active Signals
MACDNeutral-0.3831
RSI(14)Neutral52.59
⧉ Strategy Fit 🔒