ESAF Small Finance Bank Complete Financial Statements
ESAFSFB • Review detailed financials to uncover trends, confirm thesis & journal trades
7 Years of Data
2025 - 2019
Complete Financial Data Export
Export complete financial statements for ESAF Small Finance Bank (ESAFSFB).
Downloads include all available records across all periods.
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Profitability Ratios
Net Profit Margin
-12.04%
2025 data
EBITDA Margin
-14.65%
2025 data
Operating Margin
18.00%
2025 data
Return on Assets
-1.92%
2025 data
Return on Equity
-26.73%
2025 data
Balance Sheet Ratios
Current Ratio
0.10
2025 data
Debt to Equity
13.94
2025 data
Equity Ratio
7.17%
2025 data
Asset Turnover
0.16
2025 data
Year-over-Year Growth Analysis
Comparing March 2025 vs Period
Revenue Growth
-5.6%
Year-over-Year
Net Profit Growth
-13.4%
Year-over-Year
EBITDA Growth
-24.3%
Year-over-Year
Expense Growth
-3.3%
Year-over-Year
Assets Growth
+4.2%
Year-over-Year
Equity Growth
-21.8%
Year-over-Year
Liabilities Growth
+4.2%
Year-over-Year
Operating Cash Flow Growth
+217.3%
Year-over-Year
Investing Cash Flow Growth
-31.9%
Year-over-Year
Financing Cash Flow Growth
-888.1%
Year-over-Year
Income Statement
Periods
₹ Crores
| Particulars | None | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4,087 | 4,329 | 4,260 | 3,142 | 2,148 | 1,768 | 1,546 | 1,141 |
| Expenses | 3,048 | 3,152 | 2,190 | 1,676 | 1,248 | 879 | 646 | 538 |
| EBITDA | -788 | -634 | 621 | 448 | 107 | 170 | 279 | 144 |
| Operating Profit Margin % | 13.00% | 18.00% | 43.00% | 41.00% | 36.00% | 46.00% | 54.00% | 48.00% |
| Depreciation | 0 | 59 | 51 | 42 | 33 | 29 | 23 | 17 |
| Interest | 1,827 | 1,811 | 1,449 | 1,017 | 793 | 720 | 621 | 458 |
| Profit Before Tax | -788 | -693 | 570 | 406 | 74 | 141 | 256 | 127 |
| Tax | -197 | -172 | 145 | 104 | 19 | 36 | 66 | 37 |
| Net Profit | -591 | -521 | 426 | 302 | 55 | 105 | 190 | 90 |
| Earnings Per Share (₹) | -11.50 | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 | 4.45 | 2.37 |
Related Pages for ESAF Small Finance Bank
Additional stock information and data for ESAFSFB
Balance Sheet
Years
Annual Data
₹ Crores
| Particulars | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| ASSETS | |||||||
| Total Assets | 27,178 | 26,087 | 20,224 | 17,708 | 12,339 | 9,470 | 7,058 |
| Current Assets | 2,637 | 1,999 | 1,185 | 1,776 | 2,065 | 1,057 | 884 |
| Fixed Assets | 237 | 205 | 188 | 159 | 133 | 116 | 86 |
| Capital Work in Progress | 63 | 3 | 0 | 0 | 6 | 4 | 4 |
| Investments | 5,995 | 5,541 | 4,889 | 4,070 | 1,932 | 1,734 | 1,531 |
| Other Assets | 20,883 | 20,338 | 15,147 | 13,478 | 10,268 | 7,616 | 5,438 |
| LIABILITIES | |||||||
| Total Liabilities | 27,178 | 26,087 | 20,224 | 17,708 | 12,339 | 9,470 | 7,058 |
| Current Liabilities | 26,631 | 25,582 | 19,735 | 17,180 | 12,046 | 9,316 | 6,913 |
| Non-Current Liabilities | |||||||
| SHAREHOLDERS' EQUITY | |||||||
| Total Equity | 1,949 | 2,492 | 1,715 | 1,412 | 1,352 | 1,084 | 894 |
| Share Capital | 515 | 515 | 450 | 450 | 450 | 428 | 428 |
| Reserves & Surplus | 1,434 | 1,977 | 1,266 | 962 | 903 | 656 | 466 |
Cash Flow Statement
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 |
|---|---|---|---|---|---|---|---|
| Operating Activities | 3,176 | 1,001 | -571 | -585 | 1,127 | 1,089 | -239 |
| Investing Activities | -769 | -583 | -573 | -982 | -638 | -635 | -171 |
| Financing Activities | -1,852 | 235 | 399 | 1,259 | 653 | -499 | 488 |
| Net Cash Flow | 556 | 654 | -745 | -308 | 1,143 | -45 | 78 |