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Financials Ratios
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ESAF Small Finance Bank Ltd.
BSE CODE: 544020   |   NSE CODE: ESAFSFB   |   ISIN CODE : INE818W01011   |   24-Oct-2025 Hrs IST
BSE NSE
Rs. 29.99
0.18 ( 0.6% )
 
Prev Close ( Rs.)
29.81
Open ( Rs.)
29.61
 
High ( Rs.)
30.10
Low ( Rs.)
28.86
 
Volume
24917
Week Avg.Volume
16643
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 30.00
0.18 ( 0.6% )
 
Prev Close ( Rs.)
29.82
Open ( Rs.)
29.82
 
High ( Rs.)
30.19
Low ( Rs.)
28.80
 
Volume
690584
Week Avg.Volume
334545
 
52 WK High-Low Range(Rs.)
24.31
46.02
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)-10.12  8.27  6.73  1.22  2.34  
   DPS(Rs)0.00  0.70  0.00  0.00  0.00  
   Book NAV/Share(Rs)37.74  48.29  38.03  31.30  30.08  
Margin Ratios          
   Yield on Advances21.42  20.87  20.49  16.67  20.09  
   Yield on Investments8.03  6.74  6.70  5.70  7.83  
   Cost of Liabilities7.34  6.27  5.65  5.03  6.73  
   NIM7.89  9.38  9.38  6.66  7.73  
   Interest Spread14.09  14.60  14.85  11.64  13.36  
Performance Ratios          
   ROA(%)-1.96  1.84  1.59  0.36  0.97  
   ROE(%)-23.53  20.29  19.41  3.97  8.65  
   ROCE(%)-10.91  14.45  12.42  5.07  9.61  
Efficiency Ratios          
   Cost Income Ratio77.88  58.65  57.93  63.69  60.24  
   Core Cost Income Ratio80.48  59.51  55.93  64.66  61.67  
   Operating Costs to Assets7.22  6.32  6.08  4.87  5.12  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)0.00  6.56  0.00  0.00  0.00  
   PCE(x)-2.74  5.85  0.00  0.00  0.00  
   Price/Book(x)0.65  1.12  0.00  0.00  0.00  
   Yield(%)0.00  1.29  0  0  0  
   EV/Net Sales(x)0.69  1.57  1.33  1.75  1.31  
   EV/Core EBITDA(x)4.79  5.17  4.26  6.92  5.14  
   EV/EBIT(x)2.39  2.98  2.67  3.93  2.49  
   EV/CE(x)0.80  1.05  0.75  0.78  0.70  
   M Cap / Sales0.33  0.73  0.00  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth-13.43  29.05  60.07  24.47  16.33  
   Operating Profit Growth-185.05  -43.69  14.97  -24.34  -58.50  
   Net Profit Growth-222.52  40.76  452.39  -48.07  -44.64  
   BVPS Growth-21.86  27.01  -99.88  4.05  18.70  
   Advances Growth-1.45  31.38  19.66  42.48  24.74  
   EPS Growth(%)-222.36  22.90  452.39  -48.07  -47.31  
Liquidity Ratios          
   Loans/Deposits(x)0.06  0.16  0.23  0.23  0.19  
   Cash / Deposits(x)0.06  0.07  0.05  0.10  0.18  
   Investment / Deposits(x)0.26  0.28  0.33  0.32  0.21  
   IncLoan / Deposits(x)6.04  16.22  22.87  23.04  18.82  
   Credit/Deposits(%)77.45  92.07  94.95  90.81  90.76  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)2.99  2.26  1.13  3.92  3.88