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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

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Mar'18
Sep'17
Mar'17
Interest Earned
2,018.90
1,842.04
1,378.50
836.87
366.07
230.77
29.39
Income On Investments
187.70
165.28
148.49
76.37
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
35.14
1.73
9.16
15.82
0.00
0.00
0.00
Interest / Discount On Advances / Bills
1,796.06
1,675.03
1,220.85
744.68
0.00
0.00
0.00
Others
0.00
0.00
0.00
0.00
366.07
230.77
29.39
Other Income
211.85
172.02
128.28
98.63
57.63
44.23
18.82
Total Income
2,230.75
2,014.06
1,506.78
935.50
423.69
275.01
48.21
Interest Expended
890.17
660.08
492.47
370.34
175.76
139.06
16.11
Net Interest Income
1,128.73
1,181.96
886.03
466.53
190.31
91.71
13.28
Total Expenditure (Excl Depreciation)
943.51
763.66
562.96
361.92
171.35
133.13
23.41
Employee Cost
296.54
168.96
0.00
0.00
0.00
0.00
0.00
Other Operating Expenses
646.97
594.70
562.96
361.92
171.35
133.13
23.41
Operating Profit Before Provisions and Contingencies
397.07
590.32
451.35
203.24
76.58
2.82
8.69
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
508.81
228.29
232.55
345.71
0.60
51.82
7.93
Profit Before Tax
-169.74
362.03
218.80
-142.47
75.98
-49.00
0.76
Tax
-42.44
91.95
55.25
-34.99
0.00
0.00
0.00
Profit After Tax
-127.30
270.08
163.55
-107.48
75.98
-49.00
0.76
Extraordinary Items
-58.00
0.00
0.00
0.00
0.00
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
-69.30
270.08
163.55
-107.48
75.98
-49.00
0.76
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
31.40
-44.80
4.20
Earnings per share (EPS)
-2.47
6.01
3.64
-2.39
2.44
-1.62
0.03
Diluted Earnings per share
-2.47
6.0
3.63
-2.39
2.51
-1.62
0.07
Operating Profit Margin (Excl OI)
25.19%
46.15%
42.29%
15.44%
53.03%
19.86%
-6.63%
Gross Profit Margin
-8.41%
19.65%
15.87%
-17.02%
20.76%
-21.23%
2.59%
PAT Margin
-6.31%
14.66%
11.86%
-12.84%
20.76%
-21.23%
2.59%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
-0.48%
1.27%
0.9%
-0.85%
2.02%
0.0%
0.3%
CASA (%)
0.0%
18.04%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
3,142.00
3,239.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
20.84%
16.92%
0.0%
16.27%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
70.5%
63.5%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,279.33
399.12
961.75
597.31
1.21
0.00
0.08
Amount of Net NPAs
524.94
177.67
493.83
192.76
0.85
0.00
0.04
% of Net NPAs
2.98%
1.19%
4.34%
2.13%
2.69%
0.0%
0.24%
% of Gross NPAs
6.98%
2.64%
8.11%
6.31%
3.79%
0.0%
0.53%
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
579.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
700.0
0.0
0.0
0.0
0.0
0.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

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

stock-summary

Net Profit

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

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is -32.74% vs 30.79% in Sep 2023

stock-summary

% of Net NPAs

Growth in half year ended Sep 2024 is 1.79% vs -3.15% in Sep 2023

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2024 is 4.34% vs -5.47% in Sep 2023

Compare Half Yearly Results Of ESAF Small Fin With
Markets Mojo
Figures in Rs cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
2,018.90
1,47,050.05
-1,45,031.15
-98.63%
Income On Investments
187.70
25,175.42
-24,987.72
-99.25%
Interest On Balances With Rbi Other Inter Bank Funds
35.14
1,147.63
-1,112.49
-96.94%
Interest / Discount On Advances / Bills
1,796.06
1,18,104.69
-1,16,308.63
-98.48%
Others
0.00
2,622.31
-2,622.31
-100.0%
Other Income
211.85
22,150.84
-21,938.99
-99.04%
Total Income
2,230.75
1,69,200.89
-1,66,970.14
-98.68%
Interest Expended
890.17
87,099.01
-86,208.84
-98.98%
Net Interest Income
1,128.73
59,951.04
-58,822.31
-98.12%
Total Expenditure (Excl Depreciation)
943.51
33,511.50
-32,567.99
-97.18%
Employee Cost
296.54
11,834.18
-11,537.64
-97.49%
Other Operating Expenses
646.97
21,677.32
-21,030.35
-97.02%
Operating Profit Before Provisions and Contingencies
397.07
48,590.38
-48,193.31
-99.18%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
508.81
5,302.52
-4,793.71
-90.4%
Profit Before Tax
-169.74
43,287.86
-43,457.60
-100.39%
Tax
-42.44
10,292.14
-10,334.58
-100.41%
Profit After Tax
-127.30
32,995.72
-33,123.02
-100.39%
Extraordinary Items
-58.00
0.00
-58.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-69.30
32,995.72
-33,065.02
-100.21%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-2.47
43.24
-45.71
-105.71%
Diluted Earnings per share
-2.47
43.17
-45.64
-105.72%
Operating Profit Margin (Excl OI)
25.19%
73.60%
0.00
-48.41%
Gross Profit Margin
-8.41%
29.44%
0.00
-37.85%
PAT Margin
-6.31%
22.44%
0.00
-28.75%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
-0.48%
0.96%
-1.44
-1.44%
CASA (%)
0.00%
35.00%
-35.00
-35.00%
CASA Amount
0.00
8,83,500.00
-8,83,500.00
-100.0%
Capital Adequacy Ratio (Total)
0.00%
19.77%
-19.77
-19.77%
Capital Adequacy Ratio (Tier 1)
0.00%
17.79%
-17.79
-17.79%
Provision Coverage Ratio (%)
0.00%
70.00%
-70.00
-70.00%
Amount of Gross NPAs
1,279.33
34,250.62
-32,971.29
-96.26%
Amount of Net NPAs
524.94
10,308.54
-9,783.60
-94.91%
% of Net NPAs
2.98%
0.41%
2.57
2.57%
% of Gross NPAs
6.98%
1.36%
5.62
5.62%
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
20,993.00
-20,993.00
-100.0%
Number of Branches
0.00
9,092.00
-9,092.00
-100.0%
Half Yearly - Interest Earned
Interest Earned 2018.9 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

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

Half Yearly - Net Profit
Net Profit -69.30 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

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

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 397.07 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

Growth in half year ended Sep 2024 is -32.74% vs 30.79% in Sep 2023

Half Yearly - % of Net NPAs
% of Net NPAs 2.98%
in Sep 2024

Figures in Rs %
stock-summary

Growth in half year ended Sep 2024 is 1.79% vs -3.15% in Sep 2023

Half Yearly - % of Gross NPAs
% of Gross NPAs 6.98%
in Sep 2024

Figures in Rs %
stock-summary

Growth in half year ended Sep 2024 is 4.34% vs -5.47% in Sep 2023

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