ESAF Small Finance Bank
ESAF Small Finance Bank provides banking products and services to retail, rural, and corporate customers in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking segments. The company offers savings, current, and NRI accounts; foreign currency non-resident deposit accounts; fixed, recurring, social, and term deposits; personal net, mobile, SMS, missed call, and… Read more
ESAF Small Finance Bank (ESAFSFB) - Net Assets
Latest net assets as of September 2025: ₹17.54 Billion INR
Based on the latest financial reports, ESAF Small Finance Bank (ESAFSFB) has net assets worth ₹17.54 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹271.29 Billion) and total liabilities (₹253.75 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹17.54 Billion |
| % of Total Assets | 6.46% |
| Annual Growth Rate | 26.05% |
| 5-Year Change | 44.15% |
| 10-Year Change | N/A |
| Growth Volatility | 51.16 |
ESAF Small Finance Bank - Net Assets Trend (2016–2024)
This chart illustrates how ESAF Small Finance Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for ESAF Small Finance Bank (2016–2024)
The table below shows the annual net assets of ESAF Small Finance Bank from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | ₹19.49 Billion | -21.78% |
| 2023-12-31 | ₹24.92 Billion | +45.29% |
| 2022-12-31 | ₹17.15 Billion | +21.49% |
| 2021-12-31 | ₹14.12 Billion | +4.40% |
| 2020-12-31 | ₹13.52 Billion | +24.72% |
| 2019-12-31 | ₹10.84 Billion | +21.30% |
| 2018-12-31 | ₹8.94 Billion | +160.29% |
| 2017-12-31 | ₹3.43 Billion | +12.29% |
| 2016-12-31 | ₹3.06 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to ESAF Small Finance Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 50806.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹2.91 Billion | 14.94% |
| Common Stock | ₹5.15 Billion | 26.45% |
| Other Comprehensive Income | ₹40.40 Million | 0.21% |
| Other Components | ₹11.38 Billion | 58.41% |
| Total Equity | ₹19.49 Billion | 100.00% |
ESAF Small Finance Bank Competitors by Market Cap
The table below lists competitors of ESAF Small Finance Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Instabank ASA
OL:INSTA
|
$40.58 Million |
|
Thailand Prime Property Freehold and Leasehold Real Estate Investment Trust
BK:TPRIME
|
$40.59 Million |
|
TegoScience Inc
KQ:191420
|
$40.59 Million |
|
Effecten-Spiegel AG
STU:EFS
|
$40.60 Million |
|
Emperor Energy Ltd
AU:EMP
|
$40.57 Million |
|
Reach Ten Holdings Berhad
KLSE:5332
|
$40.56 Million |
|
PW MEDTECH GROUP DL-0001
F:PWE
|
$40.56 Million |
|
Soquicom
SN:SOQUICOM
|
$40.56 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ESAF Small Finance Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 24,917,935,000 to 19,490,488,000, a change of -5,427,447,000 (-21.8%).
- Net loss of 5,213,895,000 reduced equity.
- Dividend payments of 360,300,000 reduced retained earnings.
- Other comprehensive income decreased equity by 66,624,000.
- Other factors increased equity by 213,372,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹-5.21 Billion | -26.75% |
| Dividends Paid | ₹360.30 Million | -1.85% |
| Other Comprehensive Income | ₹-66.62 Million | -0.34% |
| Other Changes | ₹213.37 Million | +1.09% |
| Total Change | ₹- | -21.78% |
Book Value vs Market Value Analysis
This analysis compares ESAF Small Finance Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.62x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 3.93x to 0.62x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | ₹5.94 | ₹23.32 | x |
| 2017-12-31 | ₹6.67 | ₹23.32 | x |
| 2018-12-31 | ₹23.46 | ₹23.32 | x |
| 2019-12-31 | ₹25.34 | ₹23.32 | x |
| 2020-12-31 | ₹26.26 | ₹23.32 | x |
| 2021-12-31 | ₹31.36 | ₹23.32 | x |
| 2022-12-31 | ₹38.09 | ₹23.32 | x |
| 2023-12-31 | ₹52.36 | ₹23.32 | x |
| 2024-12-31 | ₹37.87 | ₹23.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ESAF Small Finance Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -26.75%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -12.04%
- • Asset Turnover: 0.16x
- • Equity Multiplier: 13.94x
- Recent ROE (-26.75%) is below the historical average (6.16%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 0.25% | 1.58% | 0.02x | 9.61x | ₹-298.13 Million |
| 2017 | 7.86% | 3.86% | 0.15x | 13.76x | ₹-73.41 Million |
| 2018 | 10.10% | 7.91% | 0.16x | 7.90x | ₹9.15 Million |
| 2019 | 17.56% | 12.31% | 0.16x | 8.74x | ₹819.82 Million |
| 2020 | 7.80% | 10.03% | 0.09x | 9.13x | ₹-298.10 Million |
| 2021 | 3.88% | 2.55% | 0.12x | 12.54x | ₹-864.28 Million |
| 2022 | 17.63% | 9.84% | 0.15x | 11.79x | ₹1.31 Billion |
| 2023 | 17.08% | 9.99% | 0.16x | 10.47x | ₹1.76 Billion |
| 2024 | -26.75% | -12.04% | 0.16x | 13.94x | ₹-7.16 Billion |
Industry Comparison
This section compares ESAF Small Finance Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ESAF Small Finance Bank (ESAFSFB) | ₹17.54 Billion | 0.25% | 14.47x | $40.58 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |