ESAF SMALL FINANCE BANK
Quarterly Results Analysis [Mar2025]
ESAF SMALL FINANCE BANK Quarterly Results
Standalone | Mar2025 UnAudited |
Dec2024 Audited |
Sep2024 Audited |
Jun2024 Audited |
Mar2024 Audited |
Dec2023 Audited |
Sep2023 Audited |
Jun2023 Audited |
---|---|---|---|---|---|---|---|---|
Interest Earned | ₹893 Cr | ₹950 Cr | ₹996 Cr | ₹1,022 Cr | ₹1,002 Cr | ₹974 Cr | ₹943 Cr | ₹899 Cr |
Other Income | ₹143 Cr | ₹112 Cr | ₹97 Cr | ₹115 Cr | ₹150 Cr | ₹120 Cr | ₹79 Cr | ₹93 Cr |
Interest Expended | ₹458 Cr | ₹463 Cr | ₹456 Cr | ₹434 Cr | ₹411 Cr | ₹377 Cr | ₹347 Cr | ₹313 Cr |
Expenses | ₹488 Cr | ₹472 Cr | ₹494 Cr | ₹450 Cr | ₹456 Cr | ₹429 Cr | ₹386 Cr | ₹378 Cr |
Operating Income | ₹91 Cr | ₹127 Cr | ₹143 Cr | ₹254 Cr | ₹285 Cr | ₹288 Cr | ₹290 Cr | ₹301 Cr |
Provisions and contingencies | ₹332 Cr | ₹410 Cr | ₹340 Cr | ₹169 Cr | ₹226 Cr | ₹138 Cr | ₹101 Cr | ₹127 Cr |
Profit Before Tax | ₹-241 Cr | ₹-282 Cr | ₹-255 Cr | ₹85 Cr | ₹59 Cr | ₹150 Cr | ₹188 Cr | ₹174 Cr |
Profit After Tax | ₹-183 Cr | ₹-211 Cr | ₹-190 Cr | ₹63 Cr | ₹43 Cr | ₹112 Cr | ₹140 Cr | ₹130 Cr |
% of Net NPAs | 2.99 | 2.97 | 2.98 | 3.22 | 2.26 | 2.19 | 1.19 | 0.81 |
% of Gross NPAs | 6.87 | 6.96 | 6.98 | 6.61 | 4.76 | 4.16 | 2.64 | 1.65 |
EPS | ₹-3.55 | ₹-4.09 | ₹-3.69 | ₹1.22 | ₹0.84 | ₹2.18 | ₹3.12 | ₹2.89 |
Industry Peers & Returns | 1W | 1M | 1Y |
ESAF SMALL FINANCE BANK | 10.4% | 9.4% | -40.1% |
HDFC BANK | 1.6% | 4.1% | 17.9% |
ICICI BANK | 0.4% | -1.3% | 18.6% |
KOTAK MAHINDRA BANK | -0.7% | 5.8% | 18.2% |
AXIS BANK | -3.2% | -1.8% | -7% |
INDUSIND BANK | 6% | 8.2% | -42% |
IDBI BANK | 10.9% | 3.6% | 24.4% |
YES BANK | 1% | -12.2% | -13.5% |
IDFC FIRST BANK | 7.2% | 12.5% | -11.4% |
ESAF SMALL FINANCE BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]Net Interest Income | |
---|---|
Q-o-Q | -10.52 % |
Y-o-Y | -26.23 % |
Quarters | Net Interest Income | % Change | |
---|---|---|---|
Mar2025 | ₹436 Cr | -10.52 | |
Dec2024 | ₹487 Cr | -9.87 | |
Sep2024 | ₹540 Cr | -8.16 | |
Jun2024 | ₹588 Cr | -0.40 | |
Mar2024 | ₹591 Cr | -1.05 | |
Dec2023 | ₹597 Cr | 0.07 | |
Sep2023 | ₹597 Cr | 1.90 | |
Jun2023 | ₹585 Cr | - |
ESAF SMALL FINANCE BANK Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | -28.83 % |
Y-o-Y | -68.15 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Mar2025 | ₹91 Cr | -28.83 | |
Dec2024 | ₹127 Cr | -10.94 | |
Sep2024 | ₹143 Cr | -43.70 | |
Jun2024 | ₹254 Cr | -10.76 | |
Mar2024 | ₹285 Cr | -1.05 | |
Dec2023 | ₹288 Cr | -0.68 | |
Sep2023 | ₹290 Cr | -3.67 | |
Jun2023 | ₹301 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | -20.46 % |
Y-o-Y | -56.84 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Mar2025 | 20.8% | -20.46 | |
Dec2024 | 26.15% | -1.21 | |
Sep2024 | 26.47% | -38.70 | |
Jun2024 | 43.18% | -10.40 | |
Mar2024 | 48.19% | 0.00 | |
Dec2023 | 48.19% | -0.74 | |
Sep2023 | 48.55% | -5.47 | |
Jun2023 | 51.36% | - |
ESAF SMALL FINANCE BANK Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | Negative |
Y-o-Y | Negative |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Mar2025 | ₹-183 Cr | Negative | |
Dec2024 | ₹-211 Cr | Negative | |
Sep2024 | ₹-190 Cr | Negative | |
Jun2024 | ₹63 Cr | 44.80 | |
Mar2024 | ₹43 Cr | -61.34 | |
Dec2023 | ₹112 Cr | -19.97 | |
Sep2023 | ₹140 Cr | 7.82 | |
Jun2023 | ₹130 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | Negative |
Y-o-Y | Negative |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Mar2025 | -20.5 % | Negative | |
Dec2024 | -22.2 % | Negative | |
Sep2024 | -19.08 % | Negative | |
Jun2024 | 6.14 % | 41.80 | |
Mar2024 | 4.33 % | -62.38 | |
Dec2023 | 11.51 % | -22.49 | |
Sep2023 | 14.85 % | 2.70 | |
Jun2023 | 14.46 % | - |
ESAF SMALL FINANCE BANK Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | Negative |
Y-o-Y | Negative |
Quarters | EPS | % Change | |
---|---|---|---|
Mar2025 | ₹-3.55 | Negative | |
Dec2024 | ₹-4.09 | Negative | |
Sep2024 | ₹-3.69 | Negative | |
Jun2024 | ₹1.22 | 45.24 | |
Mar2024 | ₹0.84 | -61.47 | |
Dec2023 | ₹2.18 | -30.13 | |
Sep2023 | ₹3.12 | 7.96 | |
Jun2023 | ₹2.89 | - |
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