ESAF Small Finance Bank Ltd is a bank in India that helps people, especially those in small towns and villages, to save money and get loans. It started as a small organization helping poor families and later became a bank in 2017.
The bank gives loans to farmers, shopkeepers, and small businesses so they can grow. It also allows people to open savings accounts and keep their money safe. ESAF stands for Evangelical Social Action Forum, which means it works to help society.
This bank focuses on helping people who do not have easy access to big banks. It has many branches across India and provides online banking too. By supporting small businesses and individuals, ESAF Small Finance Bank helps in the growth of the Indian economy.
ESAF Share Price Target (2025-2030)
| Year | Share Price Target (₹) |
|---|---|
| 2025 | ₹35.27 – ₹40.65 |
| 2026 | ₹48.92 – ₹54.38 |
| 2027 | ₹55.16 – ₹60.74 |
| 2028 | ₹65.83 – ₹70.29 |
| 2029 | ₹73.45 – ₹82.91 |
| 2030 | ₹85.62 – ₹95.37 |
ESAF Share Price Target 2025
By 2025, the share price is expected to range between ₹35.27 – ₹40.65, considering the bank’s current fundamentals and market sentiment.
ESAF Share Price Target 2026
With further business expansion and improved profitability, the ESAF Share Price Target 2026 is projected to be around ₹48.92 – ₹54.38.
ESAF Share Price Target 2027
By 2027, as ESAF strengthens its financial stability and loan portfolio, the share price could move between ₹55.16 – ₹60.74.
ESAF Share Price Target 2028
If the bank maintains consistent growth, the ESAF Share Price Target 2028 in the range of ₹65.83 – ₹70.29.
ESAF Share Price Target 2029
In 2029, the share price might trade between ₹73.45 – ₹82.91, supported by an increase in retail and institutional investments.
ESAF Share Price Target 2030
By 2030, ESAF Small Finance Bank is expected to establish a stronger market presence, leading to a potential price range of ₹85.62 – ₹95.37.
ESAF Small Finance Bank Ltd – Fundamentals
| Metric | Value |
|---|---|
| Market Cap | ₹1,503 Cr |
| P/E Ratio (TTM) | -5.10 |
| P/B Ratio | 0.64 |
| Industry P/E | 12.85 |
| Debt to Equity | NA |
| ROE (Return on Equity) | -10.15% |
| EPS (TTM) | -5.72 |
| Dividend Yield | 2.40% |
| Book Value | 45.29 |
| Face Value | 10 |
ESAF Small Finance Bank Ltd – Income Statement (Dec ‘2024)
| Particulars | Dec ‘2024 |
|---|---|
| Revenue | ₹1,062 Cr |
| Expenses | ₹1,344 Cr |
| EBITDA | ₹-282.39 Cr |
| EBIT | ₹-282.39 Cr |
| Profit Before Tax | ₹-282.39 Cr |
| Net Profit | ₹-210.90 Cr |
Financial Ratios (Dec ‘2024)
| Ratio | Dec ‘2024 |
|---|---|
| Operating Profit Margin | 19.00% |
| Net Profit Margin | -22.20% |
| Earnings Per Share (Diluted) | ₹-4.10 |
| Dividends Per Share | ₹0.00 |
Read More: Indian Overseas Bank Share Price Target
ESAF Small Finance Bank Ltd – Balance Sheet (2024)
| Particulars | 2024 (₹ Cr) |
|---|---|
| Total Assets | ₹26,087 Cr |
| Current Assets | ₹1,796 Cr |
| Non-Current Assets | ₹26,087 Cr |
| Total Liabilities | ₹23,595 Cr |
| Current Liabilities | ₹19,978 Cr |
| Non-Current Liabilities | ₹3,617 Cr |
| Total Equity | ₹2,492 Cr |
| Common Stock | ₹514.78 Cr |
| Preferred Stock | ₹0.00 Cr |
| Other Equity Total | ₹1,977 Cr |
| Total Common Shares Outstanding | 51.48 Cr |
| Debt to Equity Ratio | 0.00 |
| Book Value | ₹48.41 |
ESAF Small Finance Bank Ltd – Shareholding Pattern (Dec ‘2024)
| Category | Holding (%) |
|---|---|
| Promoters | 63.36% |
| Retail and Others | 31.45% |
| Other Domestic Institutions | 4.95% |
| Foreign Institutions | 0.16% |
| Mutual Funds | 0.08% |
Conclusion
ESAF Small Finance Bank is growing and helping small businesses and people in villages. The ESAF Share Price Target shows that its stock may go up in the future. But share prices change because of market conditions and rules. Investors should study and understand before buying shares. If the bank keeps growing, it can be a good long-term investment.
FAQ
Where is the headquarters of ESAF Small Finance Bank?
The headquarters of ESAF Small Finance Bank is located in Thrissur, Kerala, India.
Does ESAF Small Finance Bank offer digital banking services?
Yes.
Is ESAF Small Finance Bank a government bank?
No, ESAF Small Finance Bank is a private sector small finance bank, regulated by the Reserve Bank of India (RBI).
Can NRIs (Non-Resident Indians) open an account with ESAF Small Finance Bank?
Yes, NRIs can open NRE (Non-Resident External) and NRO (Non-Resident Ordinary) accounts with ESAF Small Finance Bank.
