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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-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
949.89
996.43
1,022.49
1,002.00
974.40
943.34
898.72
Income On Investments
103.22
94.85
92.85
93.71
93.95
87.48
77.80
Interest On Balances With Rbi Other Inter Bank Funds
13.08
23.23
11.91
0.39
2.04
1.61
0.12
Interest / Discount On Advances / Bills
833.59
878.35
917.73
907.90
878.41
854.25
820.80
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
111.89
96.58
115.25
149.84
119.95
78.94
93.06
Total Income
1,061.78
1,093.01
1,137.74
1,151.84
1,094.35
1,022.28
991.78
Interest Expended
462.87
456.07
434.10
411.25
377.40
346.79
313.29
Net Interest Income
487.02
540.36
588.39
590.75
597.00
596.55
585.43
Total Expenditure (Excl Depreciation)
471.53
493.91
449.60
455.91
429.26
385.84
377.82
Employee Cost
178.67
193.06
103.48
104.72
89.30
89.09
79.87
Other Operating Expenses
292.86
300.85
346.12
351.19
339.96
296.75
297.95
Operating Profit Before Provisions and Contingencies
127.38
143.03
254.04
284.68
287.69
289.65
300.67
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
409.77
339.69
169.12
226.15
137.84
101.36
126.93
Profit Before Tax
-282.39
-254.66
84.92
58.53
149.85
188.29
173.74
Tax
-71.49
-64.59
22.15
15.18
37.71
48.17
43.78
Profit After Tax
-210.90
-190.07
62.77
43.35
112.14
140.12
129.96
Extraordinary Items
0.00
-58.00
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
-210.90
-132.07
62.77
43.35
112.14
140.12
129.96
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
0.00
0.00
0.00
Earnings per share (EPS)
-4.09
-3.69
1.22
0.84
2.18
3.12
2.89
Diluted Earnings per share
-4.1
-3.69
1.22
0.91
2.42
3.11
2.89
Operating Profit Margin (Excl OI)
7.22%
10.52%
39.49%
31.93%
41.8%
48.35%
43.84%
Gross Profit Margin
-29.73%
-25.56%
8.31%
5.84%
15.38%
19.96%
19.33%
PAT Margin
-22.2%
-19.08%
6.14%
4.33%
11.51%
14.85%
14.46%
Net Interest Margin
0.0%
0.0%
9.4%
10.0%
10.6%
11.0%
11.3%
Return on Assets
-0.79%
-0.7%
0.24%
0.17%
0.51%
0.66%
0.62%
CASA (%)
0.0%
0.0%
23.6%
43.5%
18.9%
18.04%
0.0%
CASA Amount
0.00
0.00
4,927.00
4,502.00
3,563.00
3,142.00
2,852.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
61.9%
65.2%
59.5%
70.5%
74.4%
Amount of Gross NPAs
1,273.95
1,279.33
1,242.11
893.04
713.20
399.12
237.61
Amount of Net NPAs
520.46
524.94
583.79
413.79
368.31
177.67
115.61
% of Net NPAs
2.97%
2.98%
3.22%
2.26%
2.19%
1.19%
0.81%
% of Gross NPAs
6.96%
6.98%
6.61%
4.76%
4.16%
2.64%
1.65%
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
0.0
627.0
614.0
600.0
579.0
0.0
Number of Branches
0.0
0.0
755.0
753.0
731.0
700.0
0.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

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

stock-summary

Net Profit

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

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is -10.94% vs -43.70% in Sep 2024

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.01% vs -0.24% in Sep 2024

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is -0.02% vs 0.37% in Sep 2024

Compare Quarterly Results Of ESAF Small Fin With
Markets Mojo
Figures in Rs cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
949.89
76,006.88
-75,056.99
-98.75%
Income On Investments
103.22
13,717.10
-13,613.88
-99.25%
Interest On Balances With Rbi Other Inter Bank Funds
13.08
757.56
-744.48
-98.27%
Interest / Discount On Advances / Bills
833.59
59,923.95
-59,090.36
-98.61%
Others
0.00
1,608.27
-1,608.27
-100.0%
Other Income
111.89
11,453.56
-11,341.67
-99.02%
Total Income
1,061.78
87,460.44
-86,398.66
-98.79%
Interest Expended
462.87
45,353.63
-44,890.76
-98.98%
Net Interest Income
487.02
30,653.25
-30,166.23
-98.41%
Total Expenditure (Excl Depreciation)
471.53
17,106.41
-16,634.88
-97.24%
Employee Cost
178.67
5,950.41
-5,771.74
-97.0%
Other Operating Expenses
292.86
11,156.00
-10,863.14
-97.37%
Operating Profit Before Provisions and Contingencies
127.38
25,000.40
-24,873.02
-99.49%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
409.77
3,153.85
-2,744.08
-87.01%
Profit Before Tax
-282.39
21,846.55
-22,128.94
-101.29%
Tax
-71.49
5,111.05
-5,182.54
-101.4%
Profit After Tax
-210.90
16,735.50
-16,946.40
-101.26%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
-210.90
16,735.50
-16,946.40
-101.26%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
-4.09
21.88
-25.97
-118.69%
Diluted Earnings per share
-4.10
21.80
-25.90
-118.81%
Operating Profit Margin (Excl OI)
7.22%
73.34%
0.00
-66.12%
Gross Profit Margin
-29.73%
28.74%
0.00
-58.47%
PAT Margin
-22.20%
22.02%
0.00
-44.22%
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
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
21,049.00
-21,049.00
-100.0%
Number of Branches
0.00
9,143.00
-9,143.00
-100.0%
Quarterly - Interest Earned
Interest Earned 949.89 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

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

stock-summary

YoY Growth in quarter ended Dec 2024 is -2.52% vs 38.95% in Dec 2023

Quarterly - Net Profit
Net Profit -210.90 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

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

stock-summary

YoY Growth in quarter ended Dec 2024 is -288.07% vs 199.76% in Dec 2023

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 127.38 Cr
in Dec 2024

Figures in Rs Cr
stock-summary

QoQ Growth in quarter ended Dec 2024 is -10.94% vs -43.70% in Sep 2024

stock-summary

YoY Growth in quarter ended Dec 2024 is -55.72% vs 20.33% in Dec 2023

Quarterly - % of Net NPAs
% of Net NPAs 2.97%
in Dec 2024

Figures in Rs %
stock-summary

QoQ Growth in quarter ended Dec 2024 is -0.01% vs -0.24% in Sep 2024

stock-summary

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

Quarterly - % of Gross NPAs
% of Gross NPAs 6.96%
in Dec 2024

Figures in Rs %
stock-summary

QoQ Growth in quarter ended Dec 2024 is -0.02% vs 0.37% in Sep 2024

stock-summary

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

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