ESAF Small Finance
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ESAF Small Finance share price

ESAF Small Finance Bank Ltd.

NSE: ESAFSFB BSE: 544020 SECTOR: Bank - Private  55k   33   10

62.05
+0.35 (0.57%)
NSE: Today, 03:14 PM

Price Summary

Today's High

₹ 62.25

Today's Low

₹ 61.4

52 Week High

₹ 82.4

52 Week Low

₹ 53.3

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

₹ 3194.21 Cr.

CASA %

21.39

No. of Shares

51.48 Cr.

P/E

10.57

P/B

1.26

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  49.41

Net Interest Income

₹ 1836.34 Cr.

Cost To Income %

57.93

Promoter Holding

63.39 %

EPS (TTM)

₹  5.87

CAR %

19.83

ROE

19.41 %

ROCE

12.42%

Profit Growth

452.39 %

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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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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

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Ratios

ROE%

1 Year19.41%
3 Year10.68%
5 Year13.18%

ROA%

1 Year1.59%
3 Year0.97%
5 Year1.35%

Net NPA%

1 Year1.13%
3 Year2.98%
5 Year2.07%

 NIM

1 Year9.38%
3 Year7.92%
5 Year8.15%

CAR %

19.83

Cost of Liabilities %

5.64555583796065

PEG Ratio

0.02

Advances Growth %

19.6556244497618

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 63.39 0
Dec 2023 63.39 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 7.92430935724689% since last 3 years.
  • Good Capital Adequacy Ratio of 19.83%.
  • The company has delivered good Profit growth of 16.6667607567856% over the past 3 years.
  • The company has delivered good Income growth of 26.394212594794% over the past 3 years.
  • Strong Advances growth of 28.595515747253% in the last 3 years.

 Limitations

  • Net NPA has increased by 1% QoQ
  • CASA Growth of -1.4501952783785% YoY, which is very low.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.97666666666667%.
  • Low CASA Ratio of 21.3932034945664%.
  • Low other Income proportion of 10.0892573359326%.
  • High Cost to income ratio of 57.9281752220663%.
  • Increase in Provision and contingencies of 16.6667065389796% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023
Interest Earned 943.29 974.37
Other Income 78.99 119.98
Interest Expended 346.79 377.41
Operating Expenses 385.84 429.25
Total Provisions 101.36 137.84
Profit Before Tax 188.29 149.85
Tax 48.17 37.71
Net Profit 140.12 112.14
Net NPA % 1.19 2.19
Gross NPA % 2.64 4.16
Return on Assets % 0.66 51
NPM % 14.85 11.51

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 1031.64 1413.25 1641.17 1939.93 2853.66
Other Income 109.15 133.19 127.25 207.58 287.91
Interest Expended 458.28 621.06 719.58 792.79 1017.32
Operating Expenses 453.39 600.68 631.86 862.87 1230.54
Total Provisions 101.93 68.45 275.61 418 487.67
Profit Before Tax 127.18 256.26 141.37 73.85 406.04
Taxes 36.9 65.87 35.98 19.12 103.71
Net Profit 90.28 190.39 105.4 54.73 302.33
Adjusted EPS (Rs.) 2.11 4.45 2.34 1.22 6.73

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 427.8 427.8 449.47 449.47 449.47
Total Reserves 465.9 656.29 902.59 957.32 1259.66
Deposits 4317.01 7028.38 8999.43 12815.07 14665.63
Borrowings 1702.36 1203.32 1694 2952.83 3354.2
Other Liabilities 144.43 154.19 293.16 528.06 488.83
Total Liabilities 7057.49 9469.97 12338.65 17707.56 20223.66
Assets
Balance with RBI 246.74 304.77 1618.07 1300.67 739.55
Balance with Banks 534.72 598.02 201.05 211.24 27.5
Investments 1530.75 1733.63 1932.07 4070.3 4888.53
Advances 4548.25 6547.82 8167.59 11637.01 13924.33
Net Block 85.67 115.91 132.61 159.4 187.69
Other Assets 107.09 165.63 281.36 328.88 455.82
Total Assets 7057.49 9469.97 12338.65 17707.56 20223.66
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

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

Annual Reports

Ratings & Research Reports

Company Presentations

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.

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 2853.659 Cr. revenue in the latest financial year. ESAF Small Finance has posted outstanding revenue growth of 26.394212594794 % in last 3 Years.

  • In terms of advances, ESAF Small Finance reported 19.6556244497618 % YOY,  rise . If you see 3 years advance growth, it stands at 28.595515747253 %.

  • Currently, ESAF Small Finance has a CASA ratio of 21.3932034945664 %. It’s overall cost of liability stands at 5.64555583796065 %. Also, the total deposits of ESAF Small Finance from these accounts stood at Rs 14665.625 Cr.

  • ESAF Small Finance has a average ROA track record. The ROA of ESAF Small Finance is at 1.59411161586388 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.49 % and 1.13 % 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 16.6667065389796 % 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 287.913 Cr.

  • ESAF Small Finance has a Good Capital Adequacy Ratio of 19.83 .

  • 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 1.2548 . The historical average PB of ESAF Small Finance was 0.

  • Share Price: - The current share price of ESAF Small Finance is Rs 61.8. 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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