ESAF Small Finance Bank, 544020, ESAFSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,539.84
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,594.14
N/A
0.83

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
123.70
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

PAT CAGR (%)

10 Years
5 Years
3 Years

1.01
1.01

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 828.23 1,022.34 -18.99% 893.44 1,001.99 -10.83% 949.89 974.40 -2.52% 996.43 943.37 5.62%
Interest Exp. 450.36 434.10 3.75% 457.65 411.25 11.28% 462.87 377.40 22.65% 456.07 346.79 31.51%
Net Interest Income 377.87 588.24 -35.76% 435.79 590.74 -26.23% 487.02 597.00 -18.42% 540.36 596.58 -9.42%
NIM 6.00 9.40 -36.17% 8.10 10.70 -24.30% 8.60 10.90 -21.10% 9.10 11.00 -17.27%
Other Income 195.14 115.40 69.10% 143.34 149.85 -4.34% 111.89 119.95 -6.72% 96.58 78.91 22.39%
Total Income 1,023.37 1,137.74 -10.05% 1,036.78 1,151.84 -9.99% 1,061.78 1,094.35 -2.98% 1,093.01 1,022.28 6.92%
Operating Exp. 448.09 449.60 -0.34% 488.47 455.91 7.14% 471.53 429.26 9.85% 493.91 385.84 28.01%
Operating Profit 124.92 254.04 -50.83% 90.66 284.68 -68.15% 127.38 287.69 -55.72% 143.03 289.65 -50.62%
Provision 234.12 169.12 38.43% 331.50 226.15 46.58% 409.77 137.84 197.28% 339.69 101.36 235.13%
PBT -109.20 84.92 - -240.84 58.53 - -282.39 149.85 - -254.66 188.29 -
PBTM -13.18 8.31 - -26.96 5.84 - -29.73 15.38 - -25.56 19.96 -
TAX -27.98 22.15 - -57.65 15.18 - -71.49 37.71 - -64.59 48.17 -
PAT -81.22 62.77 - -183.19 43.35 - -210.90 112.14 - -190.07 140.12 -
PATM -9.81% 6.14% -20.50% 4.33% -22.20% 11.51% -19.08% 14.85%
EPS -1.58 1.22 - -3.55 0.84 - -4.09 2.18 - -3.69 3.12 -
Gross NPA 1,363.63 1,242.11 9.78% 1,290.56 893.04 44.51% 1,273.95 713.20 78.62% 1,279.33 399.12 220.54%
Gross NPA% 7.48 6.61 13.16% 6.87 4.76 44.33% 6.96 4.16 67.31% 6.98 2.64 164.39%
Net NPA 660.90 583.79 13.21% 539.64 413.79 30.41% 520.46 368.31 41.31% 524.94 177.67 195.46%
Net NPA% 3.77 3.22 17.08% 2.99 2.26 32.30% 2.97 2.19 35.62% 2.98 1.19 150.42%
CASA 24.80 23.60 5.08% 24.80 22.70 9.25% 24.90 18.90 31.75% 24.60 18.04 36.36%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 1,841.04 2,051.53 2,369.80 1,836.28 1,147.13 921.59 792.18 573.36 282.02 13.28 Interest Earned 3,667.99 3,862.22 3,818.53 2,853.60 1,939.92 1,641.17 1,413.24 1,031.64 596.84 29.39 Interest Expended 1,826.95 1,810.69 1,448.73 1,017.32 792.79 719.58 621.06 458.28 314.82 16.11 Int. income Growth -22.40% -13.43% 29.05% 60.08% 24.47% 16.34% 38.16% 103.30% 2023.64% Other Income 546.95 467.09 441.72 287.97 207.58 126.10 133.19 109.15 101.86 18.82 Total Income 4,214.94 2,518.62 2,811.52 2,124.25 1,354.71 1,047.69 925.37 682.51 383.88 32.10 Total Expenditure 1,902.00 3,152.34 2,190.11 1,676.42 1,248.10 913.73 711.82 575.32 347.46 29.47 Employee Cost - 660.08 362.97 278.00 232.14 187.78 144.06 77.10 39.52 1.82 % Of Sales - 17.09% 9.51% 9.74% 11.97% 11.44% 10.19% 7.47% 6.62% 6.19% Opt. & Establishment Exp. - 1,360.68 1,336.85 994.33 663.50 472.65 479.79 393.21 276.20 22.03 % Of Sales - 35.23% 35.01% 34.84% 34.20% 28.80% 33.95% 38.12% 46.28% 74.96% Provisions - 1,250.08 592.27 487.67 418.00 310.44 134.31 138.83 50.60 6.50 % Of Sales - 32.37% 15.51% 17.09% 21.55% 18.92% 9.50% 13.46% 8.48% 22.12% EBITDA 485.99 -633.72 621.41 447.83 106.61 133.96 213.55 107.19 36.42 2.63 EBITDA Margin 48.15% -30.89% 26.22% 24.39% 9.29% 14.54% 26.96% 18.70% 12.91% 19.80% Depreciation 0.00 59.25 50.99 41.79 32.77 28.57 23.17 16.91 9.43 0.44 PBT -887.09 -692.97 570.42 406.04 73.85 105.40 190.39 90.28 26.99 2.19 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -221.71 -171.58 144.85 103.71 19.12 0.00 0.00 0.00 0.00 1.43 Tax Rate 24.99% 24.76% 25.39% 25.54% 25.89% 0.00% 0.00% 0.00% 0.00% 65.30% PAT -665.38 -521.39 425.57 302.33 54.73 105.40 190.39 90.28 26.99 0.76 PAT before Minority Interest -665.38 -521.39 425.57 302.33 54.73 105.40 190.39 90.28 26.99 0.76 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -27.86% -20.70% 15.14% 14.23% 4.04% 10.06% 20.57% 13.23% 7.03% 2.37% PAT Growth -285.66% -222.52% 40.76% 452.40% -48.07% -44.64% 110.89% 234.49% 3451.32% EPS -12.91 -10.12 8.26 5.87 1.06 2.05 3.69 1.75 0.52 0.01

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 1,949.05 2,491.79 1,715.00 1,411.60 1,352.06 1,084.08 893.69 343.35 305.76 Share Capital 515.43 514.78 449.47 449.47 449.47 427.80 427.80 311.95 301.56 Total Reserves 1,429.58 1,971.33 1,259.65 957.32 902.59 656.28 465.90 31.40 4.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 23,276.44 19,867.80 14,665.62 12,815.07 8,999.43 7,028.38 4,317.01 2,523.09 409.34 Borrowings 1,405.73 3,222.53 3,354.20 2,952.83 1,694.00 1,203.32 1,702.36 1,674.65 2,052.85 Other Liabilities & Provisions 547.07 504.77 488.86 528.06 293.16 154.19 144.43 183.04 170.52 Total Liabilities 27,178.29 26,086.89 20,223.68 17,707.56 12,338.65 9,469.97 7,057.49 4,724.13 2,938.47 Net Block 237.12 204.94 187.69 159.40 132.61 115.91 85.67 60.30 30.86 Gross Block 491.84 401.84 335.01 267.29 208.69 165.79 112.42 70.17 31.30 Accumulated Depreciation 254.73 196.90 147.32 107.89 76.09 49.88 26.75 9.87 0.44 Total Non-Current Assets 26,302.66 25,464.61 19,767.84 17,378.68 12,057.30 9,304.35 6,950.40 4,653.44 2,650.00 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 63.30 2.61 0.24 0.07 5.91 4.20 4.27 8.40 2.04 Cash and balance with RBI 1,351.43 1,364.65 739.55 1,300.67 428.07 304.77 246.74 438.46 106.86 Balance with banks and money at call 627.68 58.28 27.50 211.24 1,391.05 598.02 534.72 259.33 449.32 Investments 5,995.26 5,541.02 4,888.53 4,070.30 1,932.07 1,733.63 1,530.75 731.86 579.20 Advances 18,027.87 18,293.11 13,924.33 11,637.00 8,167.59 6,547.82 4,548.25 3,155.09 1,481.72 Other Assets 875.62 622.28 455.85 328.88 281.36 165.63 107.09 70.70 288.47 Total Assets 27,178.28 26,086.89 20,223.69 17,707.56 12,338.66 9,469.98 7,057.49 4,724.14 2,938.47 Contingent Liabilities 198.59 2.19 1.90 2.05 1.50 1.50 58.33 61.72 67.61 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 37.74 48.29 38.03 31.30 30.08 25.34 20.89 11.01 10.14

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 3,176.32 1,000.93 -570.70 -584.50 1,127.44 1,088.88 -240.14 700.49 -1,392.56 PBT -692.97 570.41 406.04 73.85 141.37 256.26 127.18 43.84 2.20 Adjustment 1,487.36 618.41 618.35 443.11 289.14 88.70 120.01 42.20 -7.33 Adjustments for Liabilities & Assets 2,387.51 -27.57 -1,533.80 -1,084.56 806.24 817.53 -446.57 641.31 -1,387.42 Refund/(Payment) of direct taxes -5.58 -160.33 -61.30 -16.90 -109.31 -73.60 -40.75 -26.86 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -768.83 -582.54 -573.22 -981.85 -637.96 -634.78 -169.89 -181.48 -473.45 Net Fixed Assets -150.69 -69.20 -67.89 -52.76 -44.61 -53.30 -38.12 -45.23 Other Investment Activity -1137.68 -977.67 -1317.10 -905.32 -849.38 -339.88 -298.17 -552.02 Cash from Financing Activity -1,851.62 235.10 399.07 1,258.83 653.27 -499.04 487.77 -367.61 2,357.85 Closing Cash & Equivalent 1,975.79 1,419.92 766.42 1,511.28 1,818.80 676.03 720.98 643.24 491.85 Net Cash Inflow / Outflow 555.87 653.50 -744.86 -307.52 1,142.76 -44.95 77.74 151.40 491.85 Opening Cash & Equivalents 1,419.92 766.42 1,511.28 1,818.80 676.03 720.98 643.24 491.85 0.00

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 37.74 48.29 38.03 31.30 30.08 25.34 20.89 11.01 10.14 NIM 7.89 9.38 9.38 6.66 7.73 8.63 8.36 6.15 0.51 Yield on Advances 21.42 20.87 20.49 16.67 20.09 21.58 22.68 18.92 1.98 Yield on Investments 8.03 6.74 6.70 5.70 7.83 7.99 6.40 7.40 0.43 Cost of Liabilities 7.34 6.27 5.65 5.03 6.73 7.54 7.61 7.50 0.65 Interest Spread 14.09 14.60 14.85 11.64 13.36 14.04 15.07 11.42 1.33 ROCE -10.91% 14.45% 12.42% 5.07% 8.27% 13.36% 12.25% 10.74% 0.65% Cost Income Ratio 77.88 58.65 57.93 63.69 60.31 64.91 66.43 79.79 72.93 Core Cost Income Ratio 80.48 59.51 55.93 64.66 61.67 65.36 66.53 80.80 73.77 Operating Costs to Assets 7.22 6.32 6.08 4.87 5.12 6.34 6.42 6.48 0.80 Loans/Deposits 0.06 0.16 0.23 0.23 0.19 0.17 0.39 0.66 5.02 Cash/Deposits 0.06 0.07 0.05 0.10 0.05 0.04 0.06 0.17 0.26 Investment/Deposits 0.26 0.28 0.33 0.32 0.21 0.25 0.35 0.29 1.41 Inc Loan/Deposits 6.04% 16.22% 22.87% 23.04% 18.82% 17.12% 39.43% 66.37% 501.50% Credit Deposits 77.45% 92.07% 94.95% 90.81% 90.76% 93.16% 105.36% 125.05% 361.98% Interest Expended / Interest earned 46.88% 37.94% 35.65% 40.87% 43.85% 43.95% 44.42% 52.75% 54.81% Interest income / Total funds 14.21% 14.64% 14.11% 10.96% 13.30% 14.92% 14.62% 12.63% 1.00% Interest Expended / Total funds 6.66% 5.55% 5.03% 4.48% 5.83% 6.56% 6.49% 6.66% 0.55% CASA 24.84% 22.66% 21.39% 22.84% 19.42% 13.66% 13.55% 10.01% 18.17%

Top Investors:

yusuffali musaliam veettil abdul kader

muthoot finance limited

george ittan maramkandathil

bajaj allianz life insurance co ltd

edelweiss life insurance company limited

llp

pi ventures llp

Annual Reports:

News Update:

ESAF Small Finance - Quarterly Results
8th Aug 2025, 13:51 PM

Read More
ESAF Small Finance Bank partners with Shriram Life Insurance
23rd Jul 2025, 14:30 PM

The partnership aims to reach first-time insurance buyers, low-income families, and rural households
Read More
ESAF Small Finance Bank gets nod to sell NPA and written-off loans worth Rs 735.18 crore
19th Jun 2025, 12:50 PM

The bank is carrying an overall provision of 90.15% on the said pool
Read More

ESAF Small Finance Bank Ltd.

Bank - Private

BSE: 544020 | NSE: ESAFSFB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

ESAF Small Finance Bank Ltd.

Bank - Private

BSE: 544020 | NSE: ESAFSFB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: