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) - Total Assets
Latest total assets as of September 2025: ₹271.29 Billion INR
Based on the latest financial reports, ESAF Small Finance Bank (ESAFSFB) holds total assets worth ₹271.29 Billion INR as of September 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
ESAF Small Finance Bank - Total Assets Trend (2016–2024)
This chart illustrates how ESAF Small Finance Bank’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
ESAF Small Finance Bank - Asset Composition Analysis
Current Asset Composition (December 2024)
ESAF Small Finance Bank's total assets of ₹271.29 Billion consist of 8.8% current assets and 91.2% non-current assets.
| Asset Category | Amount (INR) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹0.00 | 7.3% |
| Accounts Receivable | ₹3.83 Billion | 1.4% |
| Inventory | ₹0.00 | 0.0% |
| Property, Plant & Equipment | ₹0.00 | 0.0% |
| Intangible Assets | ₹0.00 | 0.0% |
| Goodwill | ₹0.00 | 0.0% |
Asset Composition Trend (2016–2024)
This chart illustrates how ESAF Small Finance Bank's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: ESAF Small Finance Bank's current assets represent 8.8% of total assets in 2024, a decrease from 19.4% in 2016.
- Cash Position: Cash and equivalents constituted 7.3% of total assets in 2024, down from 18.9% in 2016.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2016.
- Asset Diversification: The largest asset category is accounts receivable at 1.4% of total assets.
ESAF Small Finance Bank Competitors by Total Assets
Key competitors of ESAF Small Finance Bank based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
ESAF Small Finance Bank - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - ESAF Small Finance Bank generates 0.16x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Negative ROA - ESAF Small Finance Bank is currently not profitable relative to its asset base.
ESAF Small Finance Bank - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.04 | 0.07 | 0.40 |
| Quick Ratio | 0.04 | 0.09 | 0.40 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | ₹-218.68 Billion | ₹ -136.86 Billion | ₹ -24.74 Billion |
ESAF Small Finance Bank - Advanced Valuation Insights
This section examines the relationship between ESAF Small Finance Bank's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.84 |
| Latest Market Cap to Assets Ratio | 0.00 |
| Asset Growth Rate (YoY) | 4.2% |
| Total Assets | ₹271.78 Billion |
| Market Capitalization | $40.58 Million USD |
Valuation Analysis
Below Book Valuation: The market values ESAF Small Finance Bank's assets below their book value (0.00 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: ESAF Small Finance Bank's assets grew by 4.2% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for ESAF Small Finance Bank (2016–2024)
The table below shows the annual total assets of ESAF Small Finance Bank from 2016 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | ₹271.78 Billion | +4.18% |
| 2023-12-31 | ₹260.87 Billion | +28.99% |
| 2022-12-31 | ₹202.24 Billion | +14.21% |
| 2021-12-31 | ₹177.08 Billion | +43.51% |
| 2020-12-31 | ₹123.39 Billion | +30.29% |
| 2019-12-31 | ₹94.70 Billion | +34.17% |
| 2018-12-31 | ₹70.58 Billion | +49.37% |
| 2017-12-31 | ₹47.25 Billion | +60.85% |
| 2016-12-31 | ₹29.38 Billion | -- |