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Financials Ratios
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ESAF Small Finance Bank Ltd.
BSE CODE: 544020   |   NSE CODE: ESAFSFB   |   ISIN CODE : INE818W01011   |   21-Nov-2024 Hrs IST
BSE NSE
Rs. 39.01
-0.29 ( -0.74% )
 
Prev Close ( Rs.)
39.30
Open ( Rs.)
39.94
 
High ( Rs.)
39.95
Low ( Rs.)
38.30
 
Volume
50403
Week Avg.Volume
208299
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 39.03
-0.28 ( -0.71% )
 
Prev Close ( Rs.)
39.31
Open ( Rs.)
39.12
 
High ( Rs.)
39.30
Low ( Rs.)
38.26
 
Volume
607237
Week Avg.Volume
1061940
 
52 WK High-Low Range(Rs.)
37.9
82.4
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)8.27  6.73  1.22  2.34  4.45  
   DPS(Rs)0.70  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)48.29  38.03  31.30  30.08  25.34  
Margin Ratios          
   Yield on Advances20.87  20.49  16.67  20.09  21.58  
   Yield on Investments6.74  6.70  5.70  7.83  7.99  
   Cost of Liabilities6.27  5.65  5.03  6.73  7.54  
   NIM9.38  9.38  6.66  7.73  8.63  
   Interest Spread14.60  14.85  11.64  13.36  14.04  
Performance Ratios          
   ROA(%)1.84  1.59  0.36  0.97  2.30  
   ROE(%)20.29  19.41  3.97  8.65  19.25  
   ROCE(%)14.45  12.42  5.07  9.61  16.06  
Efficiency Ratios          
   Cost Income Ratio58.65  57.93  63.69  60.24  64.91  
   Core Cost Income Ratio59.51  55.93  64.66  61.67  65.36  
   Operating Costs to Assets6.32  6.08  4.87  5.12  6.34  
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)6.56  0.00  0.00  0.00  0.00  
   PCE(x)5.85  0.00  0.00  0.00  0.00  
   Price/Book(x)1.12  0.00  0.00  0.00  0.00  
   Yield(%)1.29  0  0  0  0  
   EV/Net Sales(x)1.57  1.33  1.75  1.31  1.15  
   EV/Core EBITDA(x)5.17  4.26  6.92  5.14  5.02  
   EV/EBIT(x)2.98  2.67  3.93  2.49  1.86  
   EV/CE(x)1.05  0.75  0.78  0.70  0.71  
   M Cap / Sales0.73  0.00  0.00  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth29.05  60.07  24.47  16.33  38.17  
   Operating Profit Growth-43.69  14.97  -24.34  -58.50  -10.18  
   Net Profit Growth40.76  452.39  -48.07  -44.64  110.88  
   BVPS Growth27.01  -99.88  4.05  18.70  0.00  
   Advances Growth31.38  19.66  42.48  24.74  43.96  
   EPS Growth(%)22.90  452.39  -48.07  -47.31  110.88  
Liquidity Ratios          
   Loans/Deposits(x)0.16  0.23  0.23  0.19  0.17  
   Cash / Deposits(x)0.07  0.05  0.10  0.18  0.04  
   Investment / Deposits(x)0.28  0.33  0.32  0.21  0.25  
   IncLoan / Deposits(x)16.22  22.87  23.04  18.82  17.12  
   Credit/Deposits(%)92.07  94.95  90.81  90.76  93.16  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)2.26  1.13  3.92  3.88  0.64