ESAF Small Finance Bank (ESAFSFB) - Total Assets
Based on the latest financial reports, ESAF Small Finance Bank (ESAFSFB) holds total assets worth Rs271.29 Billion INR (≈ $2.93 Billion USD) 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. See ESAFSFB net asset value for net asset value and shareholders' equity analysis.
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.
ESAF Small Finance Bank - Asset Composition Analysis
Current Asset Composition (December 2024)
ESAF Small Finance Bank's total assets of Rs271.29 Billion consist of 8.8% current assets and 91.2% non-current assets.
| Asset Category | Amount (INR) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rs0.00 | 7.3% |
| Accounts Receivable | Rs3.83 Billion | 1.4% |
| Inventory | Rs0.00 | 0.0% |
| Property, Plant & Equipment | Rs0.00 | 0.0% |
| Intangible Assets | Rs0.00 | 0.0% |
| Goodwill | Rs0.00 | 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. For live market cap, price, and company overview, see ESAF Small Finance Bank stock valuation.
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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997
|
China | CN¥746.59 Billion |
|
Vestjysk Bank A/S
CO:VJBA
|
Denmark | Dkr50.22 Billion |
|
VersaBank
TO:VBNK
|
Canada | CA$6.15 Billion |
|
Bank Agris Tbk
JK:AGRS
|
Indonesia | Rp22.51 Trillion |
|
RMB Holdings Ltd
JSE:RMH
|
South Africa | ZAC720.00 Million |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS
|
Indonesia | Rp21.66 Trillion |
|
Banco Bradesco DRC
BA:BBD
|
Argentina | AR$2.20 Trillion |
|
Grupo Financiero Galicia S.A.
BA:GGAL
|
Argentina | AR$42.00 Trillion |
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 | Rs-218.68 Billion | Rs-136.86 Billion | Rs-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 | Rs271.78 Billion |
| Market Capitalization | $147.21 Million USD |
Valuation Analysis
Below Book Valuation: The market values ESAF Small Finance Bank's assets below their book value (0.00x), 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 | Rs271.78 Billion ≈ $2.94 Billion |
+4.18% |
| 2023-12-31 | Rs260.87 Billion ≈ $2.82 Billion |
+28.99% |
| 2022-12-31 | Rs202.24 Billion ≈ $2.19 Billion |
+14.21% |
| 2021-12-31 | Rs177.08 Billion ≈ $1.92 Billion |
+43.51% |
| 2020-12-31 | Rs123.39 Billion ≈ $1.33 Billion |
+30.29% |
| 2019-12-31 | Rs94.70 Billion ≈ $1.02 Billion |
+34.17% |
| 2018-12-31 | Rs70.58 Billion ≈ $763.34 Million |
+49.37% |
| 2017-12-31 | Rs47.25 Billion ≈ $511.03 Million |
+60.85% |
| 2016-12-31 | Rs29.38 Billion ≈ $317.70 Million |
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About 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