ESAF Small Finance
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ESAF Small Finance share price

ESAF Small Finance Bank Ltd.

NSE: ESAFSFB BSE: 544020 SECTOR: Bank - Private  93k   79   24

27.47
-1.08 (-3.78%)
NSE: Today, 09:34 AM

Price Summary

Today's High

₹ 27.98

Today's Low

₹ 27.3

52 Week High

₹ 57

52 Week Low

₹ 24.31

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

₹ 1415.88 Cr.

CASA %

22.66

No. of Shares

51.54 Cr.

P/E

0

P/B

0.67

Face Value

₹ 10

Div. Yield

2.45 %

Book Value (TTM)

₹  41.19

Net Interest Income

₹ 2369.69 Cr.

Cost To Income %

58.65

Promoter Holding

63.31 %

EPS (TTM)

₹  -5.72

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

NA

Advances Growth %

31.3752

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 63.31 0.00
Dec 2024 63.36 0.00
Sep 2024 63.38 0.00
Jun 2024 63.39 0.00
Mar 2024 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 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 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 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 974.4 1002 1022.49 996.43 949.89
Other Income 119.95 149.84 115.25 96.58 111.89
Interest Expended 377.4 411.25 434.1 456.07 462.87
Operating Expenses 429.26 455.91 449.6 493.91 471.53
Total Provisions 137.84 226.15 169.12 339.69 409.77
Profit Before Tax 149.85 58.53 84.92 -254.66 -282.39
Tax 37.71 15.18 22.15 -64.59 -71.49
Net Profit 112.14 43.35 62.77 -190.07 -210.9
Net NPA % 2.19 2.26 3.22 2.98 2.97
Gross NPA % 4.16 4.76 6.61 6.98 6.96
Return on Assets % 0.51 0.17 0.24 -0.7 -0.79
NPM % 11.51 4.33 6.14 -19.08 -22.2

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 Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 63.39 63.39 63.38 63.36 63.31
beena george 0.01 0.01 0.01 0.01 0.01
bosco joseph 0.01 0.01 0.01 0.01 0.01
esaf financial holdings p... 52.94 52.94 52.93 52.91 52.88
esaf swasraya multistate ... - 4.35 4.35 4.35 4.35
mereena paul 0.01 0.01 0.01 0.01 0.01
paul thomas - 6.06 6.06 6.05 6.05
esaf swasraya multistate ... 4.35 - - - -
k paul thomas 6.06 - - - -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 36.61 36.61 36.62 36.64 36.69
bajaj allianz life insura... 3.06 2.97 2.03 2.03 2.02
edelweiss life insurance ... - - 1.51 1.89 1.95
george ittan maramkandath... 2.59 2.59 2.59 2.59 2.59
llp 1.72 1.73 1.74 1.73 1.59
muthoot finance limited 3.64 3.64 3.64 3.63 3.63
pi ventures llp 1.70 1.70 1.70 1.70 1.55
yusuffali musaliam veetti... 4.49 4.49 4.49 4.49 4.49
edelweiss tokio life insu... 1.12 1.51 - - -
pnb metlife india insuran... 3.74 3.36 - - -
icici lombard general ins... 1.21 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

ESAF Small Finance Bank informs about disclosure 3 Apr, 11:57 AM ESAF Small Finance Bank gets nod to raise Rs 250 crore via NCDs 22 Mar, 1:00 PM ESAF Small Finance - Quaterly Results 10 Feb, 6:34 PM ESAF Small Finance - Quaterly Results 10 Feb, 6:34 PM ESAF Small Finance - Quaterly Results 10 Feb, 6:34 PM ESAF Small Finance Bank informs about presentation 14 Nov, 12:36 PM ESAF Small Finance Bank informs about certificate 15 Oct, 2:05 PM ESAF Small Finance Bank informs about allotment of equity shares under ESOP 24 Sep, 10:24 AM ESAF Small Finance Bank inks pact with Oracle Financial Services Software 2 Sep, 3:19 PM ESAF Small Finance Bank launches ‘Rupay Credit Cards’ 29 Aug, 10:44 AM ESAF Small Finance - Quaterly Results 26 Jul, 4:06 PM ESAF Small Finance - Quaterly Results 26 Jul, 4:06 PM ESAF Small Finance - Quaterly Results 26 Jul, 4:06 PM ESAF Small Finance Bank informs about newspaper advertisements 16 Jul, 12:44 PM ESAF Small Finance Bank informs about credit rating 4 Jul, 5:13 PM ESAF Small Finance Bank informs about updates 4 Jun, 5:26 PM ESAF Small Finance - Quaterly Results 8 May, 7:21 PM ESAF Small Finance - Quaterly Results 8 May, 7:21 PM ESAF Small Finance Bank informs about analyst meet 19 Mar, 5:27 PM ESAF Small Finance Bank informs about outcome of board meeting 8 Mar, 4:39 PM ESAF Small Finance Bank submits analyst meet intimation 20 Feb, 12:46 PM ESAF Small Finance Bank planning to raise funds via bonds 20 Feb, 9:58 AM ESAF Small Finance - Quaterly Results 8 Feb, 4:26 PM ESAF Small Finance - Quaterly Results 8 Feb, 4:26 PM ESAF Small Finance - Quaterly Results 8 Feb, 4:26 PM ESAF Small Finance Bank submits Disclosure 13 Jan, 10:39 AM ESAF Small Finance Bank informs about disclosure 16 Dec, 2:17 PM ESAF Small Finance informs about AGM 29 Nov, 10:04 AM ESAF Small Finance Bank informs about investor presentation 20 Nov, 4:43 PM ESAF Small Finance - Quaterly Results 18 Nov, 12:00 PM ESAF Small Finance - Quaterly Results 18 Nov, 12:00 PM ESAF Small Finance - Quaterly Results 18 Nov, 12:00 PM ESAF Small Finance Bank coming with IPO to raise upto Rs 488.63 crore 1 Nov, 4:22 PM

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 28.55. 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 0.6949 . The historical average PB of ESAF Small Finance was 0.22446.

  • Share Price: - The current share price of ESAF Small Finance is Rs 28.55. One can use valuation calculators of ticker to know if ESAF Small Finance share price is undervalued or overvalued.

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Brief about ESAF Small Finance
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