ESAF Small Finance
Small Finance Bank · NSE ESAFSFB · Market cap ₹2,134
Latest FY FY2026
Loan growth
19.8%
Deposit growth
11.1%
NIM
7.9%
44th pctile
ROA
-0.6%
ROE
-9.9%
Gross NPA
5.4%
24th pctile
P/B
0.58x
70th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 19.8% | 17.7% | +2.1pp | — |
| Deposit growth | 11.1% | 13.4% | -2.3pp | — |
| CASA | 23.4% | 32.7% | -9.3pp | 44th |
| NIM | 7.9% | 3.6% | +4.3pp | 44th |
| ROA | -0.6% | 1.1% | -1.6pp | — |
| ROE | -9.9% | 12.4% | -22.3pp | — |
| Gross NPA | 5.4% | 1.9% | +3.5pp | 24th |
| Credit cost | 4.4% | 1.3% | +3.1pp | — |
| Cost/income | 58.1% | 55.1% | +3.0pp | — |
| CRAR | 23.9% | 18.9% | +5.0pp | — |
| P/B | 0.58x | 1.07x | -0.5pp | 70th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Net Interest Margin +31.7% YoY to 7.90 · abs(yoy)>=15%
- ▲Gross NPA -28.0% YoY to 5.40 · abs(yoy)>=15%
- ▲Net NPA at 0.80 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Net NPA -78.9% YoY to 0.80 · abs(yoy)>=15%
- ▲Cost To Income Ratio -25.7% YoY to 58.10 · abs(yoy)>=15%
- ▼CASA Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Capital to Risks Assets Ratio (CRAR) accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost To Income Ratio decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Gross NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Net NPA decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Yield On Advances accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +5.8pp vs listed-bank aggregate (share 0.10%, +0.00pp 1Y) · |bank growth - system proxy growth| >= 5pp