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

Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Interest Earned

2,968.79

2,816.44

2,079.78

Income On Investments

290.92

259.23

232.61

Interest On Balances With Rbi Other Inter Bank Funds

48.22

3.77

9.45

Interest / Discount On Advances / Bills

2,629.65

2,553.44

1,837.72

Others

0.00

Other Income

323.74

291.97

209.19

Total Income

3,292.53

3,108.41

2,288.97

Interest Expended

1,353.04

1,037.48

742.40

Net Interest Income

1,615.75

1,778.96

1,337.38

Total Expenditure (Excl Depreciation)

1,415.04

1,192.92

856.13

Employee Cost

475.21

258.26

70.14

Other Operating Expenses

939.83

934.66

785.99

Operating Profit Before Provisions and Contingencies

524.45

878.01

690.44

Exceptional Items

0.00

Provisions and contingencies

918.58

366.13

420.61

Profit Before Tax

-452.13

511.88

269.83

Tax

-113.93

129.66

68.87

Profit After Tax

-338.20

382.22

200.96

Extraordinary Items

-58.00

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-280.20

382.22

200.96

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

-4.1

2.42

0.83

Operating Profit Margin (Excl OI)

52.34%

57.64%

58.84%

Gross Profit Margin

0.0%

PAT Margin

-11.39%

13.57%

9.66%

Net Interest Margin

0.0%

10.6%

9.9%

Return on Assets

-0.79%

0.51%

0.21%

CASA (%)

0.0%

18.9%

0.0%

CASA Amount

0.00

3,563.00

2,960.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

0.0%

59.5%

69.6%

Amount of Gross NPAs

1,273.95

713.20

908.28

Amount of Net NPAs

520.46

368.31

451.05

% of Net NPAs

2.97%

2.19%

3.73%

% of Gross NPAs

6.96%

4.16%

7.24%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

600.0

0.0

Number of Branches

0.0

731.0

0.0

Nine Monthly Analysis Highlights

Interest Earned

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

Net Profit

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

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is -40.27% vs 27.17% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is 0.78% vs -1.54% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is 2.80% vs -3.08% in Dec 2023

Compare Nine Monthly Results Of ESAF Small Fin With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

2,968.79

2,23,056.93

-2,20,088.14

-98.67%

Income On Investments

290.92

38,892.52

-38,601.60

-99.25%

Interest On Balances With Rbi Other Inter Bank Funds

48.22

1,905.19

-1,856.97

-97.47%

Interest / Discount On Advances / Bills

2,629.65

1,78,028.64

-1,75,398.99

-98.52%

Others

0.00

4,230.58

-4,230.58

-100.0%

Other Income

323.74

33,604.40

-33,280.66

-99.04%

Total Income

3,292.53

2,56,661.33

-2,53,368.80

-98.72%

Interest Expended

1,353.04

1,32,452.64

-1,31,099.60

-98.98%

Net Interest Income

1,615.75

90,604.29

-88,988.54

-98.22%

Total Expenditure (Excl Depreciation)

1,415.04

50,617.91

-49,202.87

-97.2%

Employee Cost

475.21

17,784.59

-17,309.38

-97.33%

Other Operating Expenses

939.83

32,833.32

-31,893.49

-97.14%

Operating Profit Before Provisions and Contingencies

524.45

73,590.78

-73,066.33

-99.29%

Exceptional Items

0.00

Provisions and contingencies

918.58

8,456.37

-7,537.79

-89.14%

Profit Before Tax

-452.13

65,134.41

-65,586.54

-100.69%

Tax

-113.93

15,403.19

-15,517.12

-100.74%

Profit After Tax

-338.20

49,731.22

-50,069.42

-100.68%

Extraordinary Items

-58.00

0.00

-58.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

-280.20

49,731.22

-50,011.42

-100.56%

Face Value

10.00

1.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

-11.39%

22.30%

0.00

-33.69%

Net Interest Margin

0.00%

3.43%

-3.43

-3.43%

Return on Assets

-0.79%

0.47%

-1.26

-1.26%

CASA (%)

0.00%

34.00%

-34.00

-34.00%

CASA Amount

0.00

8,72,700.00

-8,72,700.00

-100.0%

Capital Adequacy Ratio (Total)

0.00%

19.97%

-19.97

-19.97%

Capital Adequacy Ratio (Tier 1)

0.00%

18.03%

-18.03

-18.03%

Provision Coverage Ratio (%)

0.00%

68.00%

-68.00

-68.00%

Amount of Gross NPAs

1,273.95

36,018.58

-34,744.63

-96.46%

Amount of Net NPAs

520.46

11,587.54

-11,067.08

-95.51%

% of Net NPAs

2.97%

0.46%

2.51

2.51%

% of Gross NPAs

6.96%

1.42%

5.54

5.54%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

21,049.00

-21,049.00

-100.0%

Number of Branches

0.00

9,143.00

-9,143.00

-100.0%

Nine Monthly - Interest Earned

Interest Earned 2968.79 Cr

in Dec 2024

Figures in Rs Cr

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

Nine Monthly - Net Profit

Net Profit -280.20 Cr

in Dec 2024

Figures in Rs Cr

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

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 524.45 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is -40.27% vs 27.17% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 2.97%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is 0.78% vs -1.54% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 6.96%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is 2.80% vs -3.08% in Dec 2023