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About the company
ESAF Small Finance Bank Limited is a small finance bank with a focus on unbanked and under-banked customer segments, especially in rural and semi-urban centers. Its segments include treasury, wholesale banking, retail banking, and other banking operations. treasury. The treasury segment primarily consists of interest earnings on its investment’s portfolio, gains or losses on investment operations and earnings from its foreign exchange business. The wholesale banking segment provides loans to the corporate segment. The retail banking segment provides loans to non-corporate customers. The other banking operations segment includes para banking activities, such as debit cards, third-party product distribution and associated costs. Its advances comprise include micro loans, which comprises microfinance loans and other micro loans; retail loans, which includes gold loans, mortgages, personal loans, and vehicle loans; loans to financial institutions, and agricultural loans.
- Revenue in INR (TTM)39.42bn
- Net income in INR3.58bn
- Incorporated2016
- Employees5.97k
- LocationESAF Small Finance Bank LimitedESAF Bhavan, Mannuthy P. O.,THRICHUR 680651IndiaIND
- Phone+91 8 001033723
- Websitehttps://www.esafbank.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dhanlaxmi Bank Limited | 12.24bn | 215.22m | 9.35bn | 1.69k | 43.41 | -- | -- | 1.63 | 0.8517 | 0.8517 | 22.72 | -- | -- | -- | -- | -- | -- | 0.332 | -- | -- | -- | -- | 3.76 | 8.54 | -- | -- | -- | -- | 12.67 | 4.44 | 17.14 | 37.72 | -8.42 | -- |
| ESAF Small Finance Bank Limited | 39.42bn | 3.58bn | 25.52bn | 5.97k | 6.53 | -- | -- | 0.8998 | 7.59 | 7.59 | 58.36 | -- | -- | -- | -- | -- | -- | 1.41 | -- | -- | -- | -- | 12.63 | 13.05 | -- | -- | -- | -- | 33.81 | 29.92 | 40.76 | 36.36 | 13.36 | -- |
| FINO Payments Bank Ltd | 1.62bn | 917.94m | 32.30bn | 2.68k | 35.21 | -- | -- | 2.18 | 11.02 | 11.02 | 177.73 | -- | -- | -- | -- | -- | -- | 2.33 | -- | -- | -- | -- | 6.20 | 3.62 | -- | -- | -- | 0.00 | 58.17 | 50.94 | 32.48 | -- | 49.75 | -- |
| DCB Bank Ltd | 56.14bn | 5.40bn | 37.69bn | 11.33k | 7.02 | -- | -- | 1.53 | 17.12 | 17.12 | 78.07 | -- | -- | -- | -- | -- | -- | 0.8736 | -- | -- | -- | -- | 21.93 | 20.15 | -- | -- | -- | -- | 27.66 | 12.01 | 15.12 | 10.50 | 11.58 | 4.56 |
| Utkarsh Small Finance Bank Ltd | 34.24bn | 5.28bn | 50.11bn | 16.08k | 9.52 | -- | -- | 2.05 | 4.78 | 4.78 | 22.22 | -- | -- | -- | -- | -- | -- | 1.78 | -- | -- | -- | -- | 21.53 | 17.60 | -- | -- | -- | 0.00 | 26.88 | 29.31 | 23.02 | 39.59 | 17.84 | -- |
| CSB Bank Ltd | 30.76bn | 5.48bn | 54.22bn | 7.86k | 10.15 | -- | -- | 2.56 | 31.58 | 31.58 | 122.00 | -- | -- | -- | -- | -- | -- | 1.46 | -- | -- | -- | -- | 25.89 | 24.82 | -- | -- | -- | 0.00 | 26.21 | 16.79 | 3.56 | -- | 39.21 | -- |
| Jana Small Finance Bank Ltd | 42.95bn | 7.50bn | 60.85bn | 21.80k | 8.13 | -- | -- | 2.06 | 71.52 | 71.52 | 281.03 | -- | -- | -- | -- | -- | -- | 1.04 | -- | -- | -- | -- | 25.44 | 10.73 | -- | -- | -- | -- | 30.51 | 26.26 | 161.57 | -- | -0.0433 | -- |
| South Indian Bank Ltd | 89.02bn | 11.62bn | 64.39bn | 9.65k | 4.89 | 0.7031 | -- | 1.30 | 5.03 | 5.03 | 21.38 | 35.00 | -- | -- | -- | -- | 1.02 | 0.4083 | -- | -- | -- | -- | 23.39 | 10.88 | -- | -- | -- | 6.87 | 19.07 | 4.61 | 38.03 | 34.02 | 13.24 | 5.49 |
| Equitas Small Finance Bank Ltd | 57.33bn | 6.34bn | 93.35bn | 22.59k | 14.81 | -- | -- | 2.35 | 5.53 | 5.53 | 34.55 | -- | -- | -- | -- | -- | -- | 1.67 | -- | -- | -- | -- | 15.94 | 16.70 | -- | -- | -- | 9.84 | 31.83 | 20.94 | 39.29 | 30.57 | 47.75 | -- |
| Jammu and Kashmir Bank Ltd | 115.50bn | 18.58bn | 115.23bn | 12.42k | 6.05 | 0.9084 | -- | 1.89 | 17.30 | 17.30 | 56.95 | 115.19 | -- | -- | -- | -- | 1.26 | 0.43 | -- | -- | -- | -- | 30.51 | 10.94 | -- | -- | -- | -- | 19.86 | 7.88 | 50.04 | 30.73 | 2.44 | -- |
| Holder | Shares | % Held |
|---|---|---|
| PNB MetLife India Insurance Co. Ltd. (Insurance Co)as of 09 Nov 2023 | 19.24m | 3.74% |
| Bajaj Allianz Life Insurance Co. Ltd.as of 09 Nov 2023 | 15.74m | 3.06% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Aug 2024 | 155.16k | 0.03% |
| Groww Asset Management Ltd.as of 31 Aug 2024 | 842.00 | 0.00% |
