down arrow

ESAF Small Fin

  • Market Cap: Small Cap
  • Industry: Bank - Private
  • ISIN: INE818W01011
  • NSEID: ESAFSFB
  • BSEID: 544020
INR
27.67
0.07 (0.25%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 2.69 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

27.3728.14

52 Week

24.3564.45
Valuation
Technical
Day's Volume

CASH

2.69 lacs (-53.89%) Volume

Shareholding (Dec 2024)

FII

0.16%

Held by 3 FIIs

DII

5.03%

Held by 7 DIIs

Promoter

63.36%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
  • Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 69.81%
2

With a fall in EPS of -3087.29%, the company declared Very Negative results in Dec 24

3

Stock is technically in a Mildly Bearish range

4

With ROA of -1, it has a Very Expensive valuation with a 0.6 Price to Book Value

5

Falling Participation by Institutional Investors

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Private

stock-summary
Market cap

INR 1,426 Cr (Small Cap)

stock-summary
Dividend Yield

2.53%

stock-summary
CAR

0.00%

stock-summary
Return on Assets

-0.97%

stock-summary
Net NPA

2.97%

stock-summary
Gross NPA

6.96%

Revenue and Profits (1 Year):
Int. Earned:
949.89 Cr
(Quarterly Results - Dec 2024)
Net Profit:
-211 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (2.53%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-38.89%
0%
-38.89%
1 Year
-55.03%
1.10%
-53.93%
2 Years
0%
0%
0.0%
3 Years
0%
0%
0.0%
4 Years
0%
0%
0.0%
5 Years
0%
0%
0.0%

Latest dividend: 0.7 per share ex-dividend date: Aug-07-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
17.00%
Net Profit Growth (5y)
-187.90%
Advance to Deposit
86.85%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
6.96%
Gross NPA (avg)
6.27%
Coverage Ratio (avg)
50.43%
Cost to Income (avg)
62.03%
Net Interest Margin (avg)
10.11%
Operating Profit to Assets (avg)
12.22%
ROA (avg)
2.02%
Valuation key factors
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
0.61
PEG Ratio
NA
Dividend Yield
2.53%
ROE (Latest)
-10.15%
ROA (Latest)
-0.97%
Net NPA to Book Value
22.31
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 4 Schemes (0.08%)

FIIs

Held by 3 FIIs (0.16%)

Promoter with highest holding

Esaf Financial Holdings Private Limited (52.91%)

Highest Public shareholder

Yusuffali Musaliam Veettil Abdul Kader (4.49%)

Individual Investors Holdings

16.19%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -4.67% vs -2.55% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -59.69% vs -310.40% in Sep 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 949.89,
          "val2": 996.43,
          "chgp": "-4.67%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "127.38",
          "val2": "143.03",
          "chgp": "-10.94%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "2.97%",
          "val2": "2.98%",
          "chgp": "-0.01%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "6.96%",
          "val2": "6.98%",
          "chgp": "-0.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "-210.90",
          "val2": "-132.07",
          "chgp": "-59.69%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 9.6% vs 33.63% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is -125.66% vs 65.14% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 2018.9,
          "val2": 1842.04,
          "chgp": "9.6%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "397.07",
          "val2": "590.32",
          "chgp": "-32.74%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "2.98%",
          "val2": "1.19%",
          "chgp": "1.79%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "6.98%",
          "val2": "2.64%",
          "chgp": "4.34%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "-69.30",
          "val2": "270.08",
          "chgp": "-125.66%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 5.41% vs 35.42% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -173.31% vs 90.20% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 2968.79,
          "val2": 2816.44,
          "chgp": "5.41%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "524.45",
          "val2": "878.01",
          "chgp": "-40.27%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "2.97%",
          "val2": "2.19%",
          "chgp": "0.78%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "6.96%",
          "val2": "4.16%",
          "chgp": "2.80%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "-280.20",
          "val2": "382.22",
          "chgp": "-173.31%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 33.81% vs 47.1% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 40.76% vs 452.40% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 3818.53,
          "val2": 2853.6,
          "chgp": "33.81%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,162.69",
          "val2": "893.71",
          "chgp": "30.10%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "2.26%",
          "val2": "1.13%",
          "chgp": "1.13%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.76%",
          "val2": "2.49%",
          "chgp": "2.27%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "425.57",
          "val2": "302.33",
          "chgp": "40.76%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
949.89
996.43
-4.67%
Operating Profit (PBDIT)
127.38
143.03
-10.94%
% of Net NPAs
2.97%
2.98%
-0.01%
% of Gross NPAs
6.96%
6.98%
-0.02%
Exceptional Items
0.00
0.00
Net Profit
-210.90
-132.07
-59.69%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is -4.67% vs -2.55% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is -59.69% vs -310.40% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
2018.9
1842.04
9.6%
Operating Profit (PBDIT)
397.07
590.32
-32.74%
% of Net NPAs
2.98%
1.19%
1.79%
% of Gross NPAs
6.98%
2.64%
4.34%
Exceptional Items
0.00
0.00
Net Profit
-69.30
270.08
-125.66%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 9.6% vs 33.63% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is -125.66% vs 65.14% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
2968.79
2816.44
5.41%
Operating Profit (PBDIT)
524.45
878.01
-40.27%
% of Net NPAs
2.97%
2.19%
0.78%
% of Gross NPAs
6.96%
4.16%
2.80%
Exceptional Items
0.00
0.00
Net Profit
-280.20
382.22
-173.31%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 5.41% vs 35.42% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is -173.31% vs 90.20% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
3818.53
2853.6
33.81%
Operating Profit (PBDIT)
1,162.69
893.71
30.10%
% of Net NPAs
2.26%
1.13%
1.13%
% of Gross NPAs
4.76%
2.49%
2.27%
Exceptional Items
0.00
0.00
Net Profit
425.57
302.33
40.76%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 33.81% vs 47.1% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 40.76% vs 452.40% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About ESAF Small Finance Bank Ltd stock-summary
stock-summary
ESAF Small Finance Bank Ltd
Small Cap
Bank - Private
ESAF Small Finance Bank Limited was incorporated on May 5, 2016 at Thrissur, Kerala, as a Public Limited Company vide Certificate of Incorporation issued by the RoC. The Bank received license to carry on business as a SFB from the Reserve Bank of India on November 18, 2016 and commenced their banking operations from 10 March 2017.
Company Coordinates stock-summary
Company Details
Bldg. # VII/83/8 ESAF Bhavan, Tri-Palakkad N.Hiway. Mannuthy Trissur Kerala : 680651
stock-summary
Tel: +91 487 7123 907
stock-summary
http://www.esafbank.com
stock-summary
investor.relations@esafbank.com
Registrar Details
Stock List
ABCDEFGHIJKLMNOPQRSTUVWXYZOther
Footer Logo
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
Market
Webinars
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."