ESAF Small Finance Bank

NSEI:ESAFSFB Stock Report

Market Cap: ₹19.9b

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 Growth38.0%
Revenue growth rate26.8%
Return on equity1.2%
Net Margin1.5%
Next Earnings Update10 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

NSEI:ESAFSFB Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2419,2532827,1250
30 Jun 2422,0223,5846,0850
31 Mar 2422,1924,2565,8490
31 Dec 2322,1544,8365,1680
30 Sep 2319,8054,0894,9760
30 Jun 2317,7503,2634,9010
31 Mar 2316,3663,0234,6030
31 Dec 2215,3583,0663,9650
30 Sep 2214,9903,2582,5290
30 Jun 2212,1651,7654,1270
31 Mar 229,3675473,6570
31 Dec 217,841-762,9030
30 Sep 215,953-1,3252,9030
30 Jun 216,4982432,7120
31 Mar 217,7321,0542,9030
31 Dec 206,8911,1116190
30 Sep 208,9262,2842,6780
30 Jun 208,7482,0942,4750
31 Mar 207,9111,9042,2720
31 Dec 197,7661,7452,0790
30 Sep 197,6221,5871,8860
30 Jun 196,7141,2451,6660
31 Mar 195,8069031,4460
31 Dec 185,3649521,4880
30 Sep 184,9031,0011,5320
30 Jun 184,2026351,2350
31 Mar 183,5012709370
31 Mar 1727981020

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.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 02:22
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

ESAF Small Finance Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution