Market Cap ₹2849 Cr.
Stock P/E 6.6
P/B 1.1
Current Price ₹55.4
Book Value ₹ 48.3
Face Value 10
52W High ₹82.3
Dividend Yield 0%
52W Low ₹ 48
ESAF Small Finance Bank Ltd is a prominent financial institution committed to fostering financial inclusion and empowering underserved communities. Established with a focus on providing banking services to the unbanked and underbanked segments, ESAF SFB has rapidly expanded its reach across India. The bank offers a diverse range of products and services, including savings accounts, loans, and microfinance solutions, tailored to meet the unique needs of its diverse customer base. Known for its customer-centric approach, ESAF SFB employs innovative technology to enhance accessibility and efficiency. With a strong emphasis on social responsibility, the bank actively contributes to sustainable development and community upliftment, making it a trusted partner in the financial landscape.
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₹ | |
| #(Fig in Cr.) | Dec 2022 | Mar 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Interest Earned | 701 | 774 | 943 | 974 | 1002 |
| Other Income | 81 | 94 | 79 | 120 | 150 |
| Total Income | 782 | 868 | 1022 | 1094 | 1152 |
| Interest Expense | 250 | 275 | 347 | 377 | 411 |
| Operating Expenditure | 293 | 374 | 386 | 429 | 456 |
| Provisions and contingencies | 188 | 82 | 101 | 138 | 226 |
| Operating Profit | 51 | 136 | 188 | 150 | 59 |
| Profit Before Tax | 51 | 136 | 188 | 150 | 59 |
| Provision for Tax | 14 | 35 | 48 | 38 | 15 |
| Profit After Tax | 37 | 101 | 140 | 112 | 43 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 37 | 101 | 140 | 112 | 43 |
| Adjusted Earnings Per Share | 0.8 | 2.3 | 3.1 | 2.2 | 0.8 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | 29 | 597 | 1032 | 1413 | 1641 | 1940 | 2854 | 3693 |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 443 |
| Total Income | 48 | 699 | 1141 | 1546 | 1768 | 2148 | 3142 | 4136 |
| Interest Expense | 16 | 315 | 458 | 621 | 720 | 793 | 1017 | 1410 |
| Operating Expenditure | 23 | 306 | 453 | 601 | 632 | 863 | 1231 | 1645 |
| Provisions and contingencies | 6 | 34 | 102 | 68 | 276 | 418 | 488 | 547 |
| Operating Profit | 2 | 44 | 127 | 256 | 141 | 74 | 406 | 533 |
| Profit Before Tax | 2 | 44 | 127 | 256 | 141 | 74 | 406 | 533 |
| Provision for Tax | 1 | 17 | 37 | 66 | 36 | 19 | 104 | 136 |
| Profit After Tax | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 396 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 396 |
| Adjusted Earnings Per Share | 0 | 0.9 | 2.1 | 4.5 | 2.3 | 1.2 | 6.7 | 8.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 47% | 26% | 37% | 0% |
| Operating Profit CAGR | 449% | 17% | 56% | 0% |
| PAT CAGR | 449% | 17% | 62% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 19% | 11% | 13% | 11% |
| ROCE Average | 12% | 9% | 11% | 10% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 306 | 343 | 894 | 1084 | 1352 | 1412 | 1715 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 409 | 2523 | 4317 | 7028 | 8999 | 12815 | 14666 |
| Borrowings | 2053 | 1675 | 1702 | 1203 | 1694 | 2953 | 3354 |
| Other Liabilities & Provisions | 171 | 183 | 144 | 154 | 293 | 528 | 489 |
| Total Liabilities | 2938 | 4724 | 7057 | 9470 | 12339 | 17708 | 20224 |
| Cash and balance with RBI | 107 | 438 | 247 | 305 | 1618 | 1301 | 740 |
| Bank Balance | 449 | 259 | 535 | 598 | 201 | 211 | 28 |
| Investments | 579 | 732 | 1531 | 1734 | 1932 | 4070 | 4889 |
| Advances | 1482 | 3155 | 4548 | 6548 | 8168 | 11637 | 13924 |
| Fixed Assets | 31 | 60 | 86 | 116 | 133 | 159 | 188 |
| Other Assets | 288 | 71 | 107 | 166 | 281 | 329 | 456 |
| Total Assets | 2938 | 4724 | 7057 | 9470 | 12339 | 17708 | 20224 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 492 | 643 | 721 | 676 | 1819 | 1511 |
| Cash Flow from Operating Activities | -1393 | 700 | -240 | 1089 | 1127 | -585 | -573 |
| Cash Flow from Investing Activities | -473 | -181 | -170 | -635 | -638 | -982 | -573 |
| Cash Flow from Financing Activities | 2358 | -368 | 488 | -499 | 653 | 1259 | 401 |
| Net Cash Inflow / Outflow | 492 | 151 | 78 | -45 | 1143 | -308 | -745 |
| Closing Cash & Cash Equivalent | 492 | 643 | 721 | 676 | 1819 | 1511 | 766 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 |
| CEPS(Rs) | 0.04 | 1.17 | 2.51 | 4.99 | 2.98 | 1.95 | 7.66 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 10.14 | 11.01 | 20.89 | 25.34 | 30.08 | 31.3 | 38.03 |
| Yield on Advances | 1.98 | 18.92 | 22.68 | 21.58 | 20.09 | 16.67 | 20.49 |
| Yield on Investments | 0.43 | 7.4 | 6.4 | 7.99 | 7.83 | 5.7 | 6.7 |
| Cost of Liabilities | 0.65 | 7.5 | 7.61 | 7.54 | 6.73 | 5.03 | 5.65 |
| NIM (Net Interest Margin) | 0.51 | 6.15 | 8.36 | 8.63 | 7.73 | 6.66 | 9.38 |
| Interest Spread | 1.33 | 11.42 | 15.07 | 14.04 | 13.36 | 11.64 | 14.85 |
| ROA(%) | 0.03 | 0.7 | 1.53 | 2.3 | 0.97 | 0.36 | 1.59 |
| ROE(%) | 0.25 | 8.32 | 14.6 | 19.25 | 8.65 | 3.97 | 19.41 |
| ROCE(%) | 0.65 | 11.51 | 13.85 | 16.06 | 9.61 | 5.07 | 12.42 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 80.1 | 3.33 | 2.06 | 1.15 | 1.31 | 1.75 | 1.33 |
| EV/Core EBITDA(x) | 270.94 | 25.6 | 9.3 | 5.02 | 5.14 | 6.92 | 4.26 |
| Interest Earned Growth(%) | 0 | 1930.56 | 72.85 | 36.99 | 16.13 | 18.2 | 47.1 |
| Net Profit Growth | 0 | 3438.2 | 234.45 | 110.88 | -44.64 | -48.07 | 452.39 |
| Advances Growth | 0 | 112.93 | 44.16 | 43.96 | 24.74 | 42.48 | 19.66 |
| EPS Growth(%) | 0 | 3320.55 | 143.86 | 110.88 | -47.31 | -48.07 | 452.39 |
| Loans/Deposits(x) | 501.5 | 66.37 | 39.43 | 17.12 | 18.82 | 23.04 | 22.87 |
| Cash/Deposits(x) | 0.26 | 0.17 | 0.06 | 0.04 | 0.18 | 0.1 | 0.05 |
| Current Ratio(x) | 1.41 | 0.29 | 0.35 | 0.25 | 0.21 | 0.32 | 0.33 |
| Quick Ratio(x) | 501.5 | 66.37 | 39.43 | 17.12 | 18.82 | 23.04 | 22.87 |
| CASA % | 18.17 | 10.01 | 13.55 | 13.66 | 19.42 | 22.84 | 21.39 |
| # | Dec 2023 | Mar 2024 |
|---|---|---|
| Promoter | 63.39 | 63.39 |
| FII | 1.16 | 0.81 |
| DII | 10.98 | 10.26 |
| Public | 24.48 | 25.54 |
| Others | 0 | 0 |
| Total | 100 | 100 |
| # | Dec 2023 | Mar 2024 |
|---|---|---|
| Promoter | 32.63 | 32.63 |
| FII | 0.6 | 0.42 |
| DII | 5.65 | 5.28 |
| Public | 12.6 | 13.15 |
| Others | 0 | 0 |
| Total | 51.48 | 51.48 |
Pros
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