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ESAF Small Fin

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE818W01011
  • NSEID: ESAFSFB
  • BSEID: 544020
INR
26.34
-0.08 (-0.3%)
BSENSE

Dec 05

BSE+NSE Vol: 1.58 lacs

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stock-recommendationAnnual Results
Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'18
Mar'17
Interest Earned
3,857.53
3,818.53
2,853.60
1,939.93
1,641.17
596.84
29.39
Income On Investments
402.04
352.95
312.04
188.31
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
49.68
4.16
9.57
24.91
0.00
0.00
0.00
Interest / Discount On Advances / Bills
3,405.81
3,461.42
2,531.99
1,726.71
0.00
0.00
0.00
Others
0.00
0.00
0.00
0.00
1,641.17
596.84
29.39
Other Income
471.77
441.72
287.97
207.58
127.25
101.86
18.82
Total Income
4,329.30
4,260.25
3,141.57
2,147.51
1,768.42
698.70
48.21
Interest Expended
1,810.68
1,448.73
1,017.32
792.79
719.58
314.82
16.11
Net Interest Income
2,046.85
2,369.80
1,836.28
1,147.14
921.59
282.02
13.28
Total Expenditure (Excl Depreciation)
1,903.51
1,648.83
1,230.54
862.87
631.86
304.48
23.41
Employee Cost
660.08
362.97
278.00
232.14
0.00
0.00
0.00
Other Operating Expenses
1,243.43
1,285.86
952.54
630.73
631.86
304.48
23.41
Operating Profit Before Provisions and Contingencies
615.11
1,162.69
893.71
491.85
416.98
79.40
8.69
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,250.08
592.28
487.67
418.00
275.61
52.41
7.93
Profit Before Tax
-692.97
570.41
406.04
73.85
141.37
26.99
0.76
Tax
-171.58
144.84
103.71
19.12
35.98
0.00
0.00
Profit After Tax
-521.39
425.57
302.33
54.73
105.39
26.99
0.76
Extraordinary Items
-58.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
-463.39
425.57
302.33
54.73
105.39
26.99
0.76
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
1,429.58
1,971.33
1,259.65
957.32
0.00
31.40
4.20
Earnings per share (EPS)
-10.12
8.27
6.73
1.22
2.34
0.87
0.03
Diluted Earnings per share
-10.12
8.94
6.71
1.22
2.46
0.89
0.07
Operating Profit Margin (Excl OI)
16.74%
41.31%
39.79%
33.97%
44.71%
40.21%
-6.63%
Gross Profit Margin
-17.96%
14.94%
14.23%
3.81%
8.61%
4.52%
2.59%
PAT Margin
-13.52%
11.14%
10.59%
2.82%
6.42%
4.52%
2.59%
Net Interest Margin
8.08%
11.15%
10.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.39%
0.0%
0.0%
0.0%
CASA (%)
24.8%
22.7%
22.7%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
4,502.00
3,138.00
0.00
1,747.64
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
18.64%
0.0%
16.92%
16.27%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
80.5%
65.2%
56.7%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,290.56
893.04
351.69
949.59
564.00
1.21
0.08
Amount of Net NPAs
539.64
413.79
157.89
455.96
316.58
0.85
0.04
% of Net NPAs
2.99%
2.26%
1.13%
3.92%
3.88%
2.69%
0.24%
% of Gross NPAs
6.87%
4.76%
2.49%
7.83%
6.7%
3.79%
0.53%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
693.0
614.0
528.0
0.0
0.0
0.0
0.0
Number of Branches
787.0
753.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
stock-summary

Interest Earned

YoY Growth in year ended Mar 2025 is 1.02% vs 33.81% in Mar 2024

stock-summary

Net Profit

YoY Growth in year ended Mar 2025 is -208.89% vs 40.76% in Mar 2024

stock-summary

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is -47.10% vs 30.10% in Mar 2024

stock-summary

% of Net NPAs

YoY Growth in year ended Mar 2025 is 0.73% vs 1.13% in Mar 2024

stock-summary

% of Gross NPAs

YoY Growth in year ended Mar 2025 is 2.11% vs 2.27% in Mar 2024

Compare Annual Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Annual Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
3,857.53
1,953.75
1,903.78
97.44%
Income On Investments
402.04
198.62
203.42
102.42%
Interest On Balances With Rbi Other Inter Bank Funds
49.68
24.30
25.38
104.44%
Interest / Discount On Advances / Bills
3,405.81
1,730.83
1,674.98
96.77%
Others
0.00
0.00
0.00
Other Income
471.77
217.25
254.52
117.16%
Total Income
4,329.30
2,171.00
2,158.30
99.42%
Interest Expended
1,810.68
847.61
963.07
113.62%
Net Interest Income
2,046.85
1,106.14
940.71
85.04%
Total Expenditure (Excl Depreciation)
1,903.51
934.19
969.32
103.76%
Employee Cost
660.08
444.23
215.85
48.59%
Other Operating Expenses
1,243.43
489.96
753.47
153.78%
Operating Profit Before Provisions and Contingencies
615.11
389.20
225.91
58.04%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,250.08
245.37
1,004.71
409.47%
Profit Before Tax
-692.97
143.83
-836.80
-581.8%
Tax
-171.58
28.86
-200.44
-694.53%
Profit After Tax
-521.39
114.97
-636.36
-553.5%
Extraordinary Items
-58.00
0.00
-58.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-463.39
114.97
-578.36
-503.05%
Face Value
10.00
10.00
0.00
Reserves
1,429.58
1,820.81
-391.23
-21.49%
Earnings per share (EPS)
-10.12
10.82
-20.94
-193.53%
Diluted Earnings per share
-10.12
10.75
-20.87
-194.14%
Operating Profit Margin (Excl OI)
16.74%
39.63%
0.00
-22.89%
Gross Profit Margin
-17.96%
7.36%
0.00
-25.32%
PAT Margin
-13.52%
5.88%
0.00
-19.40%
Net Interest Margin
8.08%
0.00%
8.08
8.08%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
24.80%
20.90%
3.90
3.90%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
80.50%
37.70%
42.80
42.80%
Amount of Gross NPAs
1,290.56
733.84
556.72
75.86%
Amount of Net NPAs
539.64
457.02
82.62
18.08%
% of Net NPAs
2.99%
4.58%
-1.59
-1.59%
% of Gross NPAs
6.87%
7.16%
-0.29
-0.29%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
693.00
0.00
693.00
Number of Branches
787.00
0.00
787.00
Annual - Interest Earned
Interest Earned 3857.53 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is 1.02% vs 33.81% in Mar 2024

Annual - Net Profit
Net Profit -463.39 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is -208.89% vs 40.76% in Mar 2024

Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 615.11 Cr
in Mar 2025

Figures in Cr
stock-summary

YoY Growth in year ended Mar 2025 is -47.10% vs 30.10% in Mar 2024

Annual - % of Net NPAs
% of Net NPAs 2.99%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is 0.73% vs 1.13% in Mar 2024

Annual - % of Gross NPAs
% of Gross NPAs 6.87%
in Mar 2025

Figures in %
stock-summary

YoY Growth in year ended Mar 2025 is 2.11% vs 2.27% in Mar 2024

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