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ESAF SMALL FINANCE BANK
Quarterly Results Analysis [Mar2025]

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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 & Returns1W1M1Y
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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