ESAF Small Finance Bank Past Earnings Performance
Past criteria checks 1/6
ESAF Small Finance Bank has been growing earnings at an average annual rate of 21.7%, while the Banks industry saw earnings growing at 38.3% annually. Revenues have been growing at an average rate of 26.8% per year. ESAF Small Finance Bank's return on equity is 1.2%, and it has net margins of 1.5%.
Key information
21.7%
Earnings growth rate
19.4%
EPS growth rate
| Banks Industry Growth | 38.0% |
| Revenue growth rate | 26.8% |
| Return on equity | 1.2% |
| Net Margin | 1.5% |
| Next Earnings Update | 10 Feb 2025 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How ESAF Small Finance Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 19,253 | 282 | 7,125 | 0 |
| 30 Jun 24 | 22,022 | 3,584 | 6,085 | 0 |
| 31 Mar 24 | 22,192 | 4,256 | 5,849 | 0 |
| 31 Dec 23 | 22,154 | 4,836 | 5,168 | 0 |
| 30 Sep 23 | 19,805 | 4,089 | 4,976 | 0 |
| 30 Jun 23 | 17,750 | 3,263 | 4,901 | 0 |
| 31 Mar 23 | 16,366 | 3,023 | 4,603 | 0 |
| 31 Dec 22 | 15,358 | 3,066 | 3,965 | 0 |
| 30 Sep 22 | 14,990 | 3,258 | 2,529 | 0 |
| 30 Jun 22 | 12,165 | 1,765 | 4,127 | 0 |
| 31 Mar 22 | 9,367 | 547 | 3,657 | 0 |
| 31 Dec 21 | 7,841 | -76 | 2,903 | 0 |
| 30 Sep 21 | 5,953 | -1,325 | 2,903 | 0 |
| 30 Jun 21 | 6,498 | 243 | 2,712 | 0 |
| 31 Mar 21 | 7,732 | 1,054 | 2,903 | 0 |
| 31 Dec 20 | 6,891 | 1,111 | 619 | 0 |
| 30 Sep 20 | 8,926 | 2,284 | 2,678 | 0 |
| 30 Jun 20 | 8,748 | 2,094 | 2,475 | 0 |
| 31 Mar 20 | 7,911 | 1,904 | 2,272 | 0 |
| 31 Dec 19 | 7,766 | 1,745 | 2,079 | 0 |
| 30 Sep 19 | 7,622 | 1,587 | 1,886 | 0 |
| 30 Jun 19 | 6,714 | 1,245 | 1,666 | 0 |
| 31 Mar 19 | 5,806 | 903 | 1,446 | 0 |
| 31 Dec 18 | 5,364 | 952 | 1,488 | 0 |
| 30 Sep 18 | 4,903 | 1,001 | 1,532 | 0 |
| 30 Jun 18 | 4,202 | 635 | 1,235 | 0 |
| 31 Mar 18 | 3,501 | 270 | 937 | 0 |
| 31 Mar 17 | 279 | 8 | 102 | 0 |
Quality Earnings: ESAFSFB has a large one-off loss of ₹580.0M impacting its last 12 months of financial results to 30th September, 2024.
Growing Profit Margin: ESAFSFB's current net profit margins (1.5%) are lower than last year (20.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ESAFSFB's earnings have grown significantly by 21.7% per year over the past 5 years.
Accelerating Growth: ESAFSFB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ESAFSFB had negative earnings growth (-93.1%) over the past year, making it difficult to compare to the Banks industry average (15%).
Return on Equity
High ROE: ESAFSFB's Return on Equity (1.2%) is considered low.