ESAF SMALL FINANCE BANK Financial Statement Analysis
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The Net Interest Income of ESAF SMALL FINANCE BANK have decreased by -13.43% YoY .
The Earnings Per Share (EPS) of ESAF SMALL FINANCE BANK has decreased by Negative YoY. |
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ESAF SMALL FINANCE BANK Last 5 Annual Financial Results
[BOM: 544020|NSE : ESAFSFB]
| Standalone | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Interest Earned | ₹3,862 Cr | ₹3,819 Cr | ₹2,854 Cr | ₹1,940 Cr | ₹1,641 Cr |
| Other Income | ₹467 Cr | ₹442 Cr | ₹288 Cr | ₹208 Cr | ₹127 Cr |
| Interest Expended | ₹1,811 Cr | ₹1,449 Cr | ₹1,017 Cr | ₹793 Cr | ₹720 Cr |
| Operating Expenses | ₹1,962 Cr | ₹1,649 Cr | ₹1,231 Cr | ₹863 Cr | ₹632 Cr |
| Profit Before Tax | ₹-693 Cr | ₹570 Cr | ₹406 Cr | ₹74 Cr | ₹141 Cr |
| Profit After Tax | ₹-521 Cr | ₹426 Cr | ₹302 Cr | ₹55 Cr | ₹105 Cr |
| Earnings Per Share (Rs) | ₹-10.12 | ₹8.27 | ₹6.73 | ₹1.22 | ₹2.34 |
| NIM | 7.89 | 9.38 | 9.38 | 6.66 | 7.73 |
| ROE(%) | -23.53 | 20.29 | 19.41 | 3.97 | 8.65 |
| ROCE(%) | -10.91 | 14.45 | 12.42 | 5.07 | 9.61 |
| Advances Growth | -1.45 | 31.38 | 19.66 | 42.48 | 24.74 |
| Net NPAs (funded) to Net Advances (%) | 2.99 | 2.26 | 1.13 | 3.92 | 3.88 |
Key Financials |
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| Market Cap | : | ₹ 1,446.9 Cr |
| Revenue (TTM) | : | ₹ 3,537.2 Cr |
| Net Profit(TTM) | : | ₹ -166.4 Cr |
| EPS (TTM) | : | ₹ -3.2 |
| P/E (TTM) | : | - |
| Industry Peers & Returns | 1W | 1M | 1Y |
| ESAF SMALL FINANCE BANK | 0.2% | 17% | -9.3% |
| HDFC BANK | -0.3% | -4.2% | -21.7% |
| ICICI BANK | 1.1% | -7.5% | -14.2% |
| KOTAK MAHINDRA BANK | -1.9% | 1.8% | -9.8% |
| AXIS BANK | 3.8% | -6.8% | 4.2% |
| IDBI BANK | 4.6% | -2.6% | -18.7% |
| AU SMALL FINANCE BANK | -0.1% | -6.2% | 39.6% |
| THE FEDERAL BANK | 1.1% | -3.2% | 40.6% |
| INDUSIND BANK | 2% | 4.7% | 14.7% |
ESAF SMALL FINANCE BANK Net Interest Income
[BOM: 544020|NSE : ESAFSFB]
| Y-o-Y | -13.43 % |
| 5 Yr CAGR | 22.15 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2025 | ₹2,052 Cr | -13.43 | |
| Mar2024 | ₹2,370 Cr | 29.05 | |
| Mar2023 | ₹1,836 Cr | 60.07 | |
| Mar2022 | ₹1,147 Cr | 24.47 | |
| Mar2021 | ₹922 Cr | - | |
ESAF SMALL FINANCE BANK Net Interest Margin (NIM)
[BOM: 544020|NSE : ESAFSFB]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -15.88 % |
| 5 Yr CAGR | 0.51 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 7.89% | -15.88 | |
| Mar2024 | 9.38% | 0.00 | |
| Mar2023 | 9.38% | 40.84 | |
| Mar2022 | 6.66% | -13.84 | |
| Mar2021 | 7.73% | - | |
ESAF SMALL FINANCE BANK Profit After Tax
[BOM: 544020|NSE : ESAFSFB]
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹-521 Cr | Negative | |
| Mar2024 | ₹426 Cr | 40.76 | |
| Mar2023 | ₹302 Cr | 452.39 | |
| Mar2022 | ₹55 Cr | -48.07 | |
| Mar2021 | ₹105 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | -25.41 % | Negative | |
| Mar2024 | 17.96 % | 9.11 | |
| Mar2023 | 16.46 % | 245.07 | |
| Mar2022 | 4.77 % | -58.30 | |
| Mar2021 | 11.44 % | - | |
ESAF SMALL FINANCE BANK Earnings Per Share (EPS)
[BOM: 544020|NSE : ESAFSFB]
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹-10 | Negative | |
| Mar2024 | ₹8.27 | 22.88 | |
| Mar2023 | ₹6.73 | 451.64 | |
| Mar2022 | ₹1.22 | -47.86 | |
| Mar2021 | ₹2.34 | - | |
ESAF SMALL FINANCE BANK Return on Capital Employed (ROCE)
[BOM: 544020|NSE : ESAFSFB]
| Y-o-Y | Negative |
| 5 Yr CAGR | Negative |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | -10.91% | Negative | |
| Mar2024 | 14.45% | 16.34 | |
| Mar2023 | 12.42% | 144.97 | |
| Mar2022 | 5.07% | -47.24 | |
| Mar2021 | 9.61% | - | |
ESAF SMALL FINANCE BANK Share Price vs Sensex
| Current Share Price | : | ₹28.0 |
| Current MarketCap | : | ₹ 1,446.9 Cr |
| Updated EOD on | : | May 22,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| ESAF SMALL FINANCE BANK | 0.2% |
17% |
-9.3% |
| SENSEX | 0.2% |
-4.9% |
-8.4% |
ESAF SMALL FINANCE BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE FINANCIAL SERVICES | 0.4% | -5.1% | -3.4% |
No NSE index found
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FAQ about ESAF SMALL FINANCE BANK Financials
How the annual revenues of ESAF SMALL FINANCE BANK have changed ?
The Net Interest Income of ESAF SMALL FINANCE BANK have decreased by -13.43% YoY .
How the Earnings per Share (EPS) of ESAF SMALL FINANCE BANK have changed?
The Earnings Per Share (EPS) of ESAF SMALL FINANCE BANK has decreased by Negative YoY .
Check out Intrinsic Value of Peers of ESAF SMALL FINANCE BANK
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Intrinsic Value of HDFC BANK LTD Intrinsic Value of ICICI BANK LTD Intrinsic Value of KOTAK MAHINDRA BANK LTD Intrinsic Value of AXIS BANK LTD Intrinsic Value of IDBI BANK LTD |
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