ESAF Small Fin

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE818W01011
  • NSEID: ESAFSFB
  • BSEID: 544020
INR
28.01
-0.02 (-0.07%)
BSENSE

Feb 03

BSE+NSE Vol: 5.75 lacs

  • Price Points
  • Score
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  • Total Return
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stock-recommendationQuarterly Results
Results Snapshot
YoYQoQ
Figures in Cr
Standalone Quarterly Results
Dec'25
Sep'25
Jun'25
Mar'25
Dec'24
Sep'24
Jun'24
Interest Earned
894.05
819.82
828.23
892.06
947.85
995.28
1,022.34
Income On Investments
104.06
104.48
100.52
111.12
103.22
94.85
92.85
Interest On Balances With Rbi Other Inter Bank Funds
0.38
0.39
7.10
1.46
13.08
23.22
11.91
Interest / Discount On Advances / Bills
789.61
714.95
720.61
779.48
831.55
877.21
917.58
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
269.39
145.16
195.14
144.72
113.93
97.73
115.40
Total Income
1,163.44
964.98
1,023.37
1,036.78
1,061.78
1,093.01
1,137.74
Interest Expended
461.72
448.02
450.36
457.65
462.87
456.06
434.10
Net Interest Income
432.33
371.80
377.87
434.41
484.98
539.22
588.24
Total Expenditure (Excl Depreciation)
449.20
423.71
448.09
488.47
471.53
493.92
449.60
Employee Cost
170.51
158.40
190.43
184.87
178.67
193.06
103.48
Other Operating Expenses
278.69
265.31
257.66
303.60
292.86
300.86
346.12
Operating Profit Before Provisions and Contingencies
252.52
93.25
124.92
90.66
127.38
143.03
254.04
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
243.39
248.67
234.12
331.50
409.77
339.69
169.12
Profit Before Tax
9.13
-155.42
-109.20
-240.84
-282.39
-254.66
84.92
Tax
2.01
-39.61
-27.98
-57.65
-71.49
-64.59
22.15
Profit After Tax
7.12
-115.81
-81.22
-183.19
-210.90
-190.07
62.77
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
-58.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
7.12
-115.81
-81.22
-183.19
-210.90
-132.07
62.77
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
0.14
-2.25
-1.58
-3.55
-4.09
-3.69
1.22
Diluted Earnings per share
0.14
-2.24
-1.57
-3.55
-4.09
-3.69
1.22
Operating Profit Margin (Excl OI)
22.53%
17.98%
17.63%
8.08%
7.02%
10.42%
39.48%
Gross Profit Margin
1.02%
-18.96%
-13.18%
-27.0%
-29.79%
-25.59%
8.31%
PAT Margin
0.8%
-14.13%
-9.81%
-20.54%
-22.25%
-19.1%
6.14%
Net Interest Margin
0.0%
0.0%
6.0%
8.08%
0.0%
0.0%
9.4%
Return on Assets
0.03%
-0.43%
-0.3%
-0.67%
-0.79%
-0.7%
0.24%
CASA (%)
0.0%
0.0%
24.8%
24.8%
0.0%
0.0%
23.6%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
4,927.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
73.2%
80.5%
0.0%
0.0%
61.9%
Amount of Gross NPAs
1,165.59
1,634.57
1,363.63
1,290.56
1,273.95
1,279.33
1,242.11
Amount of Net NPAs
547.94
696.40
660.90
539.64
520.46
524.94
583.79
% of Net NPAs
2.73%
3.83%
3.77%
2.99%
2.97%
2.98%
3.22%
% of Gross NPAs
5.64%
8.54%
7.48%
6.87%
6.96%
6.98%
6.61%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
713.0
693.0
0.0
0.0
627.0
Number of Branches
0.0
0.0
788.0
787.0
0.0
0.0
755.0
Quarterly Analysis Highlights - QoQ
stock-summary

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 9.05% vs -1.02% in Sep 2025

stock-summary

Net Profit

QoQ Growth in quarter ended Dec 2025 is 106.15% vs -42.59% in Sep 2025

stock-summary

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 170.80% vs -25.35% in Sep 2025

stock-summary

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -1.10% vs 0.06% in Sep 2025

stock-summary

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -2.90% vs 1.06% in Sep 2025

Compare Quarterly Results Of ESAF Small Fin With
Markets Mojo
Figures in Cr
Standalone Quarterly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
894.05
821.15
72.90
8.88%
Income On Investments
104.06
114.23
-10.17
-8.9%
Interest On Balances With Rbi Other Inter Bank Funds
0.38
26.75
-26.37
-98.58%
Interest / Discount On Advances / Bills
789.61
680.16
109.45
16.09%
Others
0.00
0.00
0.00
Other Income
269.39
80.56
188.83
234.4%
Total Income
1,163.44
901.71
261.73
29.03%
Interest Expended
461.72
472.80
-11.08
-2.34%
Net Interest Income
432.33
348.35
83.98
24.11%
Total Expenditure (Excl Depreciation)
449.20
473.18
-23.98
-5.07%
Employee Cost
170.51
246.20
-75.69
-30.74%
Other Operating Expenses
278.69
226.98
51.71
22.78%
Operating Profit Before Provisions and Contingencies
252.52
-44.28
296.80
670.28%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
243.39
446.41
-203.02
-45.48%
Profit Before Tax
9.13
-490.69
499.82
101.86%
Tax
2.01
-115.67
117.68
101.74%
Profit After Tax
7.12
-375.02
382.14
101.9%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
7.12
-375.02
382.14
101.9%
Face Value
10.00
10.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
0.14
-2.11
2.25
106.64%
Diluted Earnings per share
0.14
-2.46
2.60
105.69%
Operating Profit Margin (Excl OI)
22.53%
-11.99%
0.00
34.52%
Gross Profit Margin
1.02%
-59.76%
0.00
60.78%
PAT Margin
0.80%
-45.67%
0.00
46.47%
Net Interest Margin
0.00%
0.00%
0.00
0.00%
Return on Assets
0.03%
-1.36%
1.39
1.39%
CASA (%)
0.00%
0.00%
0.00
0.00%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.00%
0.00%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0.00%
0.00%
0.00
0.00%
Provision Coverage Ratio (%)
0.00%
0.00%
0.00
0.00%
Amount of Gross NPAs
1,165.59
1,985.95
-820.36
-41.31%
Amount of Net NPAs
547.94
750.87
-202.93
-27.03%
% of Net NPAs
2.73%
4.48%
-1.75
-1.75%
% of Gross NPAs
5.64%
11.05%
-5.41
-5.41%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
0.00
0.00
Quarterly - Interest Earned
Interest Earned 894.05 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 9.05% vs -1.02% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -5.68% vs -2.72% in Dec 2024

Quarterly - Net Profit
Net Profit 7.12 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 106.15% vs -42.59% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 103.38% vs -288.07% in Dec 2024

Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 252.52 Cr
in Dec 2025

Figures in Cr
stock-summary

QoQ Growth in quarter ended Dec 2025 is 170.80% vs -25.35% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is 98.24% vs -55.72% in Dec 2024

Quarterly - % of Net NPAs
% of Net NPAs 2.73%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -1.10% vs 0.06% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -0.24% vs 0.78% in Dec 2024

Quarterly - % of Gross NPAs
% of Gross NPAs 5.64%
in Dec 2025

Figures in %
stock-summary

QoQ Growth in quarter ended Dec 2025 is -2.90% vs 1.06% in Sep 2025

stock-summary

YoY Growth in quarter ended Dec 2025 is -1.32% vs 2.80% in Dec 2024

Stock List
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