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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-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Mar'18
Sep'17
Interest Earned
1,648.05
2,017.62
1,842.14
1,378.50
836.87
366.07
230.77
Income On Investments
205.00
187.70
165.28
148.49
76.37
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
7.49
35.14
1.73
9.16
15.82
0.00
0.00
Interest / Discount On Advances / Bills
1,435.56
1,794.78
1,675.13
1,220.85
744.68
0.00
0.00
Others
0.00
0.00
0.00
0.00
0.00
366.07
230.77
Other Income
340.30
213.13
171.92
128.28
98.63
57.63
44.23
Total Income
1,988.35
2,230.75
2,014.06
1,506.78
935.50
423.69
275.01
Interest Expended
906.12
890.17
660.08
492.47
370.34
175.76
139.06
Net Interest Income
741.93
1,127.45
1,182.06
886.03
466.53
190.31
91.71
Total Expenditure (Excl Depreciation)
864.06
943.51
763.66
562.96
361.92
171.35
133.13
Employee Cost
348.83
296.54
168.96
0.00
0.00
0.00
0.00
Other Operating Expenses
515.23
646.97
594.70
562.96
361.92
171.35
133.13
Operating Profit Before Provisions and Contingencies
218.17
397.07
590.32
451.35
203.24
76.58
2.82
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
482.79
508.81
228.29
232.55
345.71
0.60
51.82
Profit Before Tax
-264.62
-169.74
362.03
218.80
-142.47
75.98
-49.00
Tax
-67.59
-42.44
91.95
55.25
-34.99
0.00
0.00
Profit After Tax
-197.03
-127.30
270.08
163.55
-107.48
75.98
-49.00
Extraordinary Items
0.00
-58.00
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
-197.03
-69.30
270.08
163.55
-107.48
75.98
-49.00
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
31.40
-44.80
Earnings per share (EPS)
-3.82
-2.47
6.01
3.64
-2.39
2.44
-1.62
Diluted Earnings per share
-3.81
-2.47
6.0
3.63
-2.39
2.51
-1.62
Operating Profit Margin (Excl OI)
18.28%
25.14%
46.15%
42.29%
15.44%
53.03%
19.86%
Gross Profit Margin
-16.06%
-8.41%
19.65%
15.87%
-17.02%
20.76%
-21.23%
PAT Margin
-11.96%
-6.31%
14.66%
11.86%
-12.84%
20.76%
-21.23%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
-0.74%
-0.48%
1.27%
0.9%
-0.85%
2.02%
0.0%
CASA (%)
0.0%
0.0%
18.04%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
3,142.00
3,239.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
20.84%
16.92%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
70.5%
63.5%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,634.57
1,279.33
399.12
961.75
597.31
1.21
0.00
Amount of Net NPAs
696.40
524.94
177.67
493.83
192.76
0.85
0.00
% of Net NPAs
3.83%
2.98%
1.19%
4.34%
2.13%
2.69%
0.0%
% of Gross NPAs
8.54%
6.98%
2.64%
8.11%
6.31%
3.79%
0.0%
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
0.0
0.0
579.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
700.0
0.0
0.0
0.0
0.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is -18.32% vs 9.53% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -184.31% vs -125.66% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -45.06% vs -32.74% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is 0.85% vs 1.79% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is 1.56% vs 4.34% in Sep 2024

Compare Half Yearly Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
1,648.05
1,014.83
633.22
62.4%
Income On Investments
205.00
104.94
100.06
95.35%
Interest On Balances With Rbi Other Inter Bank Funds
7.49
20.15
-12.66
-62.83%
Interest / Discount On Advances / Bills
1,435.56
889.74
545.82
61.35%
Others
0.00
0.00
0.00
Other Income
340.30
188.49
151.81
80.54%
Total Income
1,988.35
1,203.32
785.03
65.24%
Interest Expended
906.12
509.48
396.64
77.85%
Net Interest Income
741.93
505.35
236.58
46.82%
Total Expenditure (Excl Depreciation)
864.06
505.77
358.29
70.84%
Employee Cost
348.83
241.77
107.06
44.28%
Other Operating Expenses
515.23
264.00
251.23
95.16%
Operating Profit Before Provisions and Contingencies
218.17
188.07
30.10
16.0%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
482.79
101.94
380.85
373.6%
Profit Before Tax
-264.62
86.13
-350.75
-407.23%
Tax
-67.59
20.44
-88.03
-430.68%
Profit After Tax
-197.03
65.69
-262.72
-399.94%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-197.03
65.69
-262.72
-399.94%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-3.82
6.18
-10.00
-161.81%
Diluted Earnings per share
-3.81
6.18
-9.99
-161.65%
Operating Profit Margin (Excl OI)
18.28%
40.12%
0.00
-21.84%
Gross Profit Margin
-16.06%
8.49%
0.00
-24.55%
PAT Margin
-11.96%
6.47%
0.00
-18.43%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
-0.74%
0.00%
-0.74
-0.74%
CASA (%)
0.00%
0.00%
0.00
0.00%
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 (%)
0.00%
0.00%
0.00
0.00%
Amount of Gross NPAs
1,634.57
654.96
979.61
149.57%
Amount of Net NPAs
696.40
410.63
285.77
69.59%
% of Net NPAs
3.83%
3.80%
0.03
0.03%
% of Gross NPAs
8.54%
5.93%
2.61
2.61%
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
0.00
0.00
0.00
Number of Branches
0.00
0.00
0.00
Half Yearly - Interest Earned
Interest Earned 1648.05 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -18.32% vs 9.53% in Sep 2024

Half Yearly - Net Profit
Net Profit -197.03 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -184.31% vs -125.66% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 218.17 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -45.06% vs -32.74% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 3.83%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.85% vs 1.79% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 8.54%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 1.56% vs 4.34% in Sep 2024

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