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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-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Mar'24
Interest Earned
819.82
828.23
892.06
949.89
995.28
1,022.34
1,002.00
Income On Investments
104.48
100.52
111.12
103.22
94.85
92.85
93.71
Interest On Balances With Rbi Other Inter Bank Funds
0.39
7.10
1.46
13.08
23.22
11.91
0.39
Interest / Discount On Advances / Bills
714.95
720.61
779.48
833.59
877.21
917.58
907.90
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
145.16
195.14
144.72
111.89
97.73
115.40
149.84
Total Income
964.98
1,023.37
1,036.78
1,061.78
1,093.01
1,137.74
1,151.84
Interest Expended
455.76
450.36
457.65
462.87
456.06
434.10
411.25
Net Interest Income
364.06
377.87
434.41
487.02
539.22
588.24
590.75
Total Expenditure (Excl Depreciation)
415.97
448.09
488.47
471.53
493.92
449.60
455.91
Employee Cost
158.40
190.43
184.87
178.67
193.06
103.48
104.72
Other Operating Expenses
257.57
257.66
303.60
292.86
300.86
346.12
351.19
Operating Profit Before Provisions and Contingencies
93.25
124.92
90.66
127.38
143.03
254.04
284.68
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
248.67
234.12
331.50
409.77
339.69
169.12
226.15
Profit Before Tax
-155.42
-109.20
-240.84
-282.39
-254.66
84.92
58.53
Tax
-39.61
-27.98
-57.65
-71.49
-64.59
22.15
15.18
Profit After Tax
-115.81
-81.22
-183.19
-210.90
-190.07
62.77
43.35
Extraordinary Items
0.00
0.00
0.00
0.00
-58.00
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
-115.81
-81.22
-183.19
-210.90
-132.07
62.77
43.35
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
0.00
0.00
Earnings per share (EPS)
-2.25
-1.58
-3.55
-4.09
-3.69
1.22
0.84
Diluted Earnings per share
-2.24
-1.57
-3.55
-4.09
-3.69
1.22
0.91
Operating Profit Margin (Excl OI)
18.93%
17.63%
8.08%
7.22%
10.42%
39.48%
31.93%
Gross Profit Margin
-18.96%
-13.18%
-27.0%
-29.73%
-25.59%
8.31%
5.84%
PAT Margin
-14.13%
-9.81%
-20.54%
-22.2%
-19.1%
6.14%
4.33%
Net Interest Margin
0.0%
6.0%
8.08%
0.0%
0.0%
9.4%
10.0%
Return on Assets
-0.43%
-0.3%
-0.67%
-0.79%
-0.7%
0.24%
0.17%
CASA (%)
0.0%
24.8%
24.8%
0.0%
0.0%
23.6%
22.7%
CASA Amount
0.00
0.00
0.00
0.00
0.00
4,927.00
4,502.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
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%
73.2%
80.5%
0.0%
0.0%
61.9%
65.2%
Amount of Gross NPAs
1,634.57
1,363.63
1,290.56
1,273.95
1,279.33
1,242.11
893.04
Amount of Net NPAs
696.40
660.90
539.64
520.46
524.94
583.79
413.79
% of Net NPAs
3.83%
3.77%
2.99%
2.97%
2.98%
3.22%
2.26%
% of Gross NPAs
8.54%
7.48%
6.87%
6.96%
6.98%
6.61%
4.76%
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
713.0
693.0
0.0
0.0
627.0
614.0
Number of Branches
0.0
788.0
787.0
0.0
0.0
755.0
753.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -1.02% vs -7.16% in Jun 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Sep 2025 is -42.59% vs 55.66% in Jun 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -25.35% vs 37.79% in Jun 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is 0.06% vs 0.78% in Jun 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is 1.06% vs 0.61% in Jun 2025

Compare Quarterly Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
819.82
519.66
300.16
57.76%
Income On Investments
104.48
53.82
50.66
94.13%
Interest On Balances With Rbi Other Inter Bank Funds
0.39
9.95
-9.56
-96.08%
Interest / Discount On Advances / Bills
714.95
455.89
259.06
56.83%
Others
0.00
0.00
0.00
Other Income
145.16
79.84
65.32
81.81%
Total Income
964.98
599.50
365.48
60.96%
Interest Expended
455.76
261.45
194.31
74.32%
Net Interest Income
364.06
258.21
105.85
40.99%
Total Expenditure (Excl Depreciation)
415.97
258.90
157.07
60.67%
Employee Cost
158.40
126.43
31.97
25.29%
Other Operating Expenses
257.57
132.47
125.10
94.44%
Operating Profit Before Provisions and Contingencies
93.25
79.15
14.10
17.81%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
248.67
39.85
208.82
524.02%
Profit Before Tax
-155.42
39.30
-194.72
-495.47%
Tax
-39.61
8.89
-48.50
-545.56%
Profit After Tax
-115.81
30.41
-146.22
-480.83%
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
-115.81
30.41
-146.22
-480.83%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-2.25
2.86
-5.11
-178.67%
Diluted Earnings per share
-2.24
2.86
-5.10
-178.32%
Operating Profit Margin (Excl OI)
18.93%
42.51%
0.00
-23.58%
Gross Profit Margin
-18.96%
7.56%
0.00
-26.52%
PAT Margin
-14.13%
5.85%
0.00
-19.98%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
-0.43%
0.00%
-0.43
-0.43%
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
Quarterly - Interest Earned
Interest Earned 819.82 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -1.02% vs -7.16% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -17.63% vs 5.5% in Sep 2024

Quarterly - Net Profit
Net Profit -115.81 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -42.59% vs 55.66% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 12.31% vs -194.25% in Sep 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 93.25 Cr
in Sep 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Sep 2025 is -25.35% vs 37.79% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is -34.80% vs -50.62% in Sep 2024

Quarterly - % of Net NPAs
% of Net NPAs 3.83%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is 0.06% vs 0.78% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 0.85% vs 1.79% in Sep 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 8.54%
in Sep 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Sep 2025 is 1.06% vs 0.61% in Jun 2025

stock-summary

YoY Growth in quarter ended Sep 2025 is 1.56% vs 4.34% in Sep 2024

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