ESAF Small Finance
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ESAF Small Finance share price

ESAF Small Finance Bank Ltd.

NSE: ESAFSFB BSE: 544020 SECTOR: Bank - Private  78k   61   13

45.01
-0.01 (-0.02%)
BSE: 01 Nov 07:01 PM

Price Summary

Today's High

₹ 45.36

Today's Low

₹ 44.7

52 Week High

₹ 82.26

52 Week Low

₹ 42.05

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 2317.71 Cr.

CASA %

22.66

No. of Shares

51.49 Cr.

P/E

6.47

P/B

0.91

Face Value

₹ 10

Div. Yield

1.56 %

Book Value (TTM)

₹  49.51

Net Interest Income

₹ 2369.69 Cr.

Cost To Income %

58.65

Promoter Holding

63.38 %

EPS (TTM)

₹  6.96

CAR %

23.27

ROE

20.29 %

ROCE

14.45%

Profit Growth

40.76 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year20.29%
3 Year14.55%
5 Year14.31%

ROA%

1 Year1.84%
3 Year1.27%
5 Year1.41%

Net NPA%

1 Year2.26%
3 Year2.44%
5 Year2.37%

 NIM

1 Year9.38%
3 Year8.47%
5 Year8.36%

CAR %

23.27

Cost of Liabilities %

6.2742

PEG Ratio

0.28

Advances Growth %

31.3752

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 63.38 0.00
Jun 2024 63.39 0.00
Mar 2024 63.39 0.00
Dec 2023 63.39 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.26543958493808% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 14.5538419332623%.
  • The company has been consistently maintaining a NIM of 8.474224485965% since last 3 years.
  • Good Capital Adequacy Ratio of 23.27%.
  • The company has delivered good Profit growth of 59.2385361205866% over the past 3 years.
  • The company has delivered good Income growth of 32.5080144019898% over the past 3 years.
  • Strong Advances growth of 30.8372144313583% in the last 3 years.

 Limitations

  • Net NPA has increased by 0.96% QoQ
  • Net NPA has increased by 1.13% YoY
  • Low CASA Ratio of 22.6594%.
  • Low other Income proportion of 11.5708699718952%.
  • High Cost to income ratio of 58.6455%.
  • Increase in Provision and contingencies of 21.4491620757833% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024
Interest Earned 943.29 974.37 1002 1022.49
Other Income 78.99 119.98 149.84 115.25
Interest Expended 346.79 377.41 411.25 434.1
Operating Expenses 385.84 429.25 455.91 449.6
Total Provisions 101.36 137.84 226.15 169.12
Profit Before Tax 188.29 149.85 58.53 84.92
Tax 48.17 37.71 15.18 22.15
Net Profit 140.12 112.14 43.35 62.77
Net NPA % 1.19 2.19 2.26 3.22
Gross NPA % 2.64 4.16 4.76 6.61
Return on Assets % 0.66 0.51 0.17 0.24
NPM % 14.85 11.51 4.33 6.14

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 1413.25 1641.17 1939.93 2853.6 3818.43
Other Income 133.19 127.25 207.58 287.97 441.83
Interest Expended 621.06 719.58 792.79 1017.32 1448.73
Operating Expenses 600.68 631.86 862.87 1230.54 1648.83
Total Provisions 68.45 275.61 418 487.67 592.27
Profit Before Tax 256.26 141.37 73.85 406.04 570.42
Taxes 65.87 35.98 19.12 103.71 144.85
Net Profit 190.39 105.4 54.73 302.33 425.57
Adjusted EPS (Rs.) 4.45 2.34 1.22 6.73 8.27

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 427.8 449.47 449.47 449.47 514.78
Total Reserves 656.29 902.59 957.32 1259.65 1971.33
Deposits 7028.38 8999.43 12815.07 14665.62 19867.8
Borrowings 1203.32 1694 2952.83 3354.2 3222.53
Other Liabilities 154.19 293.16 528.06 488.86 504.76
Total Liabilities 9469.97 12338.65 17707.56 20223.68 26086.88
Assets
Balance with RBI 304.77 1618.07 1300.67 739.55 1364.65
Balance with Banks 598.02 201.05 211.24 27.5 58.28
Investments 1733.63 1932.07 4070.3 4888.53 5541.02
Advances 6547.82 8167.59 11637.01 13924.33 18293.11
Net Block 115.91 132.61 159.4 187.69 204.94
Other Assets 165.63 281.36 328.88 455.85 622.27
Total Assets 9469.97 12338.65 17707.56 20223.68 26086.88
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 63.39 63.39 63.39 63.38
beena george 0.01 0.01 0.01 0.01
bosco joseph 0.01 0.01 0.01 0.01
esaf financial holdings p... 52.94 52.94 52.94 52.93
esaf swasraya multistate ... 4.35 - 4.35 4.35
mereena paul 0.01 0.01 0.01 0.01
paul thomas 6.06 - 6.06 6.06
esaf swasraya multistate ... - 4.35 - -
k paul thomas - 6.06 - -
PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 36.61 36.61 36.61 36.62
bajaj allianz life insura... - 3.06 2.97 2.03
edelweiss life insurance ... - - - 1.51
george ittan maramkandath... 2.59 2.59 2.59 2.59
llp 1.73 1.72 1.73 1.74
muthoot finance limited 3.64 3.64 3.64 3.64
pi ventures llp 1.70 1.70 1.70 1.70
yusuffali musaliam veetti... 4.49 4.49 4.49 4.49
edelweiss tokio life insu... - 1.12 1.51 -
pnb metlife india insuran... 3.74 3.74 3.36 -
icici lombard general ins... - 1.21 - -
bajaj allianz life insura... 3.06 - - -
icici lombard general ins... 1.21 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

ESAF Small Finance Bank informs about certificate15 Oct 2024, 2:05PM ESAF Small Finance Bank informs about allotment of equity shares under ESOP24 Sep 2024, 10:24AM ESAF Small Finance Bank inks pact with Oracle Financial Services Software2 Sep 2024, 3:19PM ESAF Small Finance Bank launches ‘Rupay Credit Cards’29 Aug 2024, 10:44AM ESAF Small Finance - Quaterly Results26 Jul 2024, 4:06PM ESAF Small Finance - Quaterly Results26 Jul 2024, 4:06PM ESAF Small Finance - Quaterly Results26 Jul 2024, 4:06PM ESAF Small Finance Bank informs about newspaper advertisements 16 Jul 2024, 12:44PM ESAF Small Finance Bank informs about credit rating4 Jul 2024, 5:13PM ESAF Small Finance Bank informs about updates4 Jun 2024, 5:26PM ESAF Small Finance - Quaterly Results8 May 2024, 7:21PM ESAF Small Finance - Quaterly Results8 May 2024, 7:21PM ESAF Small Finance Bank informs about analyst meet19 Mar 2024, 5:27PM ESAF Small Finance Bank informs about outcome of board meeting 8 Mar 2024, 4:39PM ESAF Small Finance Bank submits analyst meet intimation20 Feb 2024, 12:46PM ESAF Small Finance Bank planning to raise funds via bonds 20 Feb 2024, 9:58AM ESAF Small Finance - Quaterly Results8 Feb 2024, 4:26PM ESAF Small Finance - Quaterly Results8 Feb 2024, 4:26PM ESAF Small Finance - Quaterly Results8 Feb 2024, 4:26PM ESAF Small Finance Bank submits Disclosure 13 Jan 2024, 10:39AM ESAF Small Finance Bank informs about disclosure 16 Dec 2023, 2:17PM ESAF Small Finance informs about AGM29 Nov 2023, 10:04AM ESAF Small Finance Bank informs about investor presentation20 Nov 2023, 4:43PM ESAF Small Finance - Quaterly Results18 Nov 2023, 12:00PM ESAF Small Finance - Quaterly Results18 Nov 2023, 12:00PM ESAF Small Finance - Quaterly Results18 Nov 2023, 12:00PM ESAF Small Finance Bank coming with IPO to raise upto Rs 488.63 crore1 Nov 2023, 4:22PM

ESAF Small Finance Stock Price Analysis and Quick Research Report. Is ESAF Small Finance an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

ESAF Small Finance stock price today is Rs 45. Let’s look at how ESAF Small Finance is performing and if it is the right time to buy the stock of ESAF Small Finance with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. ESAF Small Finance has earned Rs 3818.4268 Cr. revenue in the latest financial year. ESAF Small Finance has posted outstanding revenue growth of 32.5080144019898 % in last 3 Years.

  • In terms of advances, ESAF Small Finance reported 31.3752 % YOY,  rise . If you see 3 years advance growth, it stands at 30.8372144313582 %.

  • Currently, ESAF Small Finance has a CASA ratio of 22.6594 %. It’s overall cost of liability stands at 6.2742 %. Also, the total deposits of ESAF Small Finance from these accounts stood at Rs 19867.8036 Cr.

  • ESAF Small Finance has a healthy ROA track record. The ROA of ESAF Small Finance is at 1.8379 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.76 % and 2.26 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 21.4491620757833 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of ESAF Small Finance surged and is currently at Rs 441.8252 Cr.

  • ESAF Small Finance has a Good Capital Adequacy Ratio of 23.27 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently ESAF Small Finance is trading at a P/B of 0.9076 . The historical average PB of ESAF Small Finance was 0.22446.

  • Share Price: - The current share price of ESAF Small Finance is Rs 45. One can use valuation calculators of ticker to know if ESAF Small Finance share price is undervalued or overvalued.

Last Updated on:
Brief about ESAF Small Finance

ESAF Small Finance Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

ESAF Small Finance Bank Ltd. is a prominent small finance bank in India. Known for its customer-centric approach and commitment to financial inclusion, ESAF Small Finance Bank provides a wide range of banking services to individuals and micro, small, and medium enterprises (MSMEs). With its strong presence in rural and semi-urban areas, the bank aims to empower the underprivileged sections of society by enabling access to financial services and fostering economic growth.

ESAF Small Finance Bank Ltd. - Share Price

Stay updated on the latest share price of ESAF Small Finance Bank Ltd. by visiting our website. As a long-term stock investor, it is crucial to keep track of the stock's performance. Our website provides an easy-to-navigate platform where you can find the current share price, historical data, and real-time market updates. Make informed investment decisions by monitoring the fluctuations in the share price.

ESAF Small Finance Bank Ltd. - Balance Sheet

The balance sheet of ESAF Small Finance Bank Ltd. is a snapshot of its financial standing. It reflects the bank's assets, liabilities, and shareholders' equity at a specific point in time. Understanding the balance sheet is essential for investors as it helps in evaluating a company's financial health. Utilize our pre-built screening tools to access ESAF Small Finance Bank's balance sheet and analyze its performance. We also offer premium features such as fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

ESAF Small Finance Bank Ltd. - Annual Report

ESAF Small Finance Bank Ltd. publishes its annual report at the end of each fiscal year. Our website provides downloadable copies of these reports, enabling investors to gain valuable insights into the bank's operations, performance, and future plans. Analyzing the annual report can help investors make informed decisions by understanding the bank's growth trajectory, business strategies, and financial stability.

ESAF Small Finance Bank Ltd. - Dividend

Dividends are an important aspect to consider for long-term stock investors. ESAF Small Finance Bank Ltd. periodically announces dividends as a distribution of its profits to its shareholders. Investors can access the dividend history and other details on our website. Monitoring the dividend payments can provide insights into the bank's profitability and commitment towards maximizing shareholder value.

ESAF Small Finance Bank Ltd. - Quarterly Results

Stay up-to-date with the quarterly results of ESAF Small Finance Bank Ltd. on our website. We provide downloadable quarterly reports that give a comprehensive overview of the bank's performance for the respective quarter. The reports include financial statements, key performance indicators, and other essential metrics. For a more in-depth analysis, our premium features offer fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

ESAF Small Finance Bank Ltd. - Stock Price

The stock price of ESAF Small Finance Bank Ltd. is subject to market fluctuations. Investors need to closely monitor the stock price to make informed decisions. Our website offers real-time data and historical stock price charts to help investors track the performance of ESAF Small Finance Bank's stock. Stay updated and seize the right investment opportunities based on evolving market trends.

ESAF Small Finance Bank Ltd. - Price Chart

Track the price movements of ESAF Small Finance Bank Ltd.'s stock with our comprehensive price charts. Visual representation of the stock's historical performance can aid investors in identifying patterns, trends, and potential opportunities. Understanding the price chart can assist in formulating investment strategies and predicting future stock price movements.

ESAF Small Finance Bank Ltd. - News

Stay informed about the latest news and developments regarding ESAF Small Finance Bank Ltd. Our website provides up-to-date news articles, press releases, and market insights related to the bank. Stay ahead of the curve by exploring news that may impact the bank's stock performance and overall business prospects.

ESAF Small Finance Bank Ltd. - Concall Transcripts

Access the concall transcripts of ESAF Small Finance Bank Ltd. from our website. Concall transcripts offer valuable insights into the bank's management discussions, outlook, and future plans. By reviewing these transcripts, investors can gain a deeper understanding of the bank's strategy and execution. Extract valuable information and use it to evaluate the bank's growth potential.

ESAF Small Finance Bank Ltd. - Investor Presentations

ESAF Small Finance Bank Ltd. regularly conducts investor presentations to communicate its business performance and growth prospects. Our website offers downloadable copies of these presentations, enabling investors to explore the bank's strategies, financial highlights, and future plans. By analyzing investor presentations, investors can stay updated with the bank's latest initiatives and better comprehend its investment potential.

ESAF Small Finance Bank Ltd. - Promoters

Promoters play a crucial role in the success and growth of a company. ESAF Small Finance Bank Ltd. is backed by strong promoters who bring valuable expertise and experience to the table. Explore our website to learn more about the bank's promoters, their background, and their contributions to the bank's success. Gain insights into the bank's foundation and the driving forces behind its operations.

ESAF Small Finance Bank Ltd. - Shareholders

Understanding the shareholders of ESAF Small Finance Bank Ltd. provides valuable insights into the bank's ownership structure and key stakeholders. Explore our website to learn more about the major shareholders who hold significant positions in the bank. By understanding the shareholders, investors can gain insights into the bank's governance and decision-making processes.

Embrace the extensive resources available on our website to analyze ESAF Small Finance Bank Ltd.'s stock comprehensively. Utilize our pre-built screening tools, access downloadable reports, and leverage our premium features to make informed investment decisions and maximize your long-term investment potential.

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