MEMBER'S LOGINX
| Invalid Username / Password | ||||||||
| Invalid Captcha | ||||||||
|
||||||||
| Sign Up | Forgot Password? | ||||||||
- Home
- Research It
- Compare Company
- Indian - finance
- ESAF SMALL FINANCE BANK - KARNATAKA BANK
ESAF SMALL FINANCE BANK vs KARNATAKA BANK - Comparison Results
Current Valuations
| ESAF SMALL FINANCE BANK | KARNATAKA BANK | ESAF SMALL FINANCE BANK/ KARNATAKA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 72.1 | 5.7 | 1,254.5% | View Chart |
| P/BV | x | 0.8 | 0.7 | 114.9% | View Chart |
| Dividend Yield | % | 1.8 | 2.7 | 65.9% |
Financials
 ESAF SMALL FINANCE BANK  KARNATAKA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ESAF SMALL FINANCE BANK Mar-24 |
KARNATAKA BANK Mar-24 |
ESAF SMALL FINANCE BANK/ KARNATAKA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 82 | 286 | 28.7% | |
| Low | Rs | 53 | 127 | 41.8% | |
| Income per share (Unadj.) | Rs | 74.2 | 220.0 | 33.7% | |
| Earnings per share (Unadj.) | Rs | 8.3 | 34.6 | 23.9% | |
| Cash flow per share (Unadj.) | Rs | 28.8 | 83.8 | 34.4% | |
| Dividends per share (Unadj.) | Rs | 0.70 | 5.50 | 12.7% | |
| Avg Dividend yield | % | 1.0 | 2.7 | 38.9% | |
| Book value per share (Unadj.) | Rs | 48.3 | 287.5 | 16.8% | |
| Shares outstanding (eoy) | m | 514.78 | 377.25 | 136.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 0.9 | 97.1% | |
| Avg P/E ratio | x | 8.2 | 6.0 | 137.2% | |
| Avg P/CF ratio | x | 3.0 | 3.6 | 83.2% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.7 | 195.0% | |
| Dividend payout | % | 8.5 | 15.9 | 53.3% | |
| Avg Mkt Cap | Rs m | 34,856 | 77,987 | 44.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 3,630 | 13,818 | 26.3% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 38,184 | 82,985 | 46.0% | |
| Other income | Rs m | 4,418 | 13,190 | 33.5% | |
| Interest expense | Rs m | 14,487 | 49,998 | 29.0% | |
| Net interest income | Rs m | 23,697 | 32,987 | 71.8% | |
| Operating expense | Rs m | 16,488 | 24,542 | 67.2% | |
| Gross profit | Rs m | 7,209 | 8,446 | 85.4% | |
| Gross profit margin | % | 18.9 | 10.2 | 185.5% | |
| Provisions/contingencies | Rs m | 7,371 | 8,569 | 86.0% | |
| Profit before tax | Rs m | 5,704 | 15,631 | 36.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,449 | 2,565 | 56.5% | |
| Profit after tax | Rs m | 4,256 | 13,066 | 32.6% | |
| Net profit margin | % | 11.1 | 15.7 | 70.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 182,931 | 715,086 | 25.6% | |
| Deposits | Rs m | 198,678 | 980,572 | 20.3% | |
| Credit/Deposit ratio | x | 92.1 | 72.9 | 126.3% | |
| Yield on advances | % | 18.9 | 9.1 | 207.4% | |
| Cost of deposits | % | 6.2 | 4.9 | 128.0% | |
| Net Interest Margin | % | 9.9 | 3.4 | 288.8% | |
| Net fixed assets | Rs m | 2,049 | 9,148 | 22.4% | |
| Share capital | Rs m | 5,148 | 3,773 | 136.5% | |
| Free reserves | Rs m | 19,713 | 104,693 | 18.8% | |
| Net worth | Rs m | 24,861 | 108,466 | 22.9% | |
| Borrowings | Rs m | 32,225 | 43,995 | 73.2% | |
| Investments | Rs m | 55,410 | 243,003 | 22.8% | |
| Total assets | Rs m | 260,869 | 1,160,833 | 22.5% | |
| Debt/equity ratio | x | 9.3 | 9.4 | 98.3% | |
| Return on assets | % | 1.6 | 1.1 | 144.9% | |
| Return on equity | % | 17.1 | 12.0 | 142.1% | |
| Capital adequacy ratio | % | 23.3 | 18.0 | 129.3% | |
| Net NPAs | % | 2.3 | 1.6 | 143.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 10,009 | 3,622 | 276.3% | |
| From Investments | Rs m | -5,825 | -1,112 | 523.8% | |
| From Financial Activity | Rs m | 2,351 | 15,823 | 14.9% | |
| Net Cashflow | Rs m | 6,535 | 18,333 | 35.6% | |
Share Holding
| Indian Promoters | % | 63.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 5.7 | 32.3 | 17.7% | |
| FIIs | % | 0.2 | 10.3 | 1.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 36.6 | 100.0 | 36.6% | |
| Shareholders | 115,818 | 356,774 | 32.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ESAF SMALL FINANCE BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on ESAF SMALL FINANCE BANK vs Karnataka Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
ESAF SMALL FINANCE BANK vs Karnataka Bank Share Price Performance
| Period | ESAF SMALL FINANCE BANK | Karnataka Bank |
|---|---|---|
| 1-Day | 0.61% | 2.10% |
| 1-Month | -8.32% | 0.84% |
| 1-Year | -42.79% | -3.91% |
| 3-Year CAGR | -17.02% | 43.63% |
| 5-Year CAGR | -10.59% | 25.01% |
* Compound Annual Growth Rate
Here are more details on the ESAF SMALL FINANCE BANK share price and the Karnataka Bank share price.
Moving on to shareholding structures...
The promoters of ESAF SMALL FINANCE BANK hold a 63.4% stake in the company. In case of Karnataka Bank the stake stands at 0.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of ESAF SMALL FINANCE BANK and the shareholding pattern of Karnataka Bank.
Finally, a word on dividends...
In the most recent financial year, ESAF SMALL FINANCE BANK paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 8.5%.
Karnataka Bank paid Rs 5.5, and its dividend payout ratio stood at 15.9%.
You may visit here to review the dividend history of ESAF SMALL FINANCE BANK, and the dividend history of Karnataka Bank.
For a sector overview, read our finance sector report.
Today's Market
![Sensex Today Zooms Over 1,200 Points | Nifty Above 24,300 | Adani Ports Climbs 4%]()
Sensex Today Zooms Over 1,200 Points | Nifty Above 24,300 | Adani Ports Climbs 4%(10:30 am)
Asian stocks experienced a notable rally alongside US equity futures on Monday, marking a positive turn for the markets. The dollar retreated against other currencies as bond yields declined.
ABOUT EQUITYMASTER
Since 1996, Equitymaster has been the source for honest and credible opinions on investing in India. With solid research and in-depth analysis Equitymaster is dedicated towards making its readers- smarter, more confident and richer every day. Here's why hundreds of thousands of readers spread across more than 70 countries Trust Equitymaster.
PREMIUM PRODUCTS
QUICK LINKS
POPULAR TOPICS
- Multibagger Penny Stocks
- Basics of Value Investing
- Benjamin Graham
- How to Invest in Gold
- How to Invest in Silver
- Best Stocks to Buy Today
- Best Small-cap Stocks to Buy
- Best Bluechip Stocks to Buy
- Guide to Penny Stocks
- How to Invest in the Share Market
- Warren Buffett - The Value Investor
- Pick the Best Multibagger Stocks
TRENDING TOPICS
Copyright © Equitymaster Research Private Limited (formerly Equitymaster Agora Research Private Limited).
Whitelist | Refer | Terms | Privacy | Contact | About | Sitemap
Equitymaster Research Private Limited (formerly Equitymaster Agora Research Private Limited) (Research Analyst)
SEBI (Research Analysts) Regulations 2014, Registration No. INH000000537.
103, Regent Chambers, Above Status Restaurant, Nariman Point, Mumbai - 400 021. India.
Telephone: +91-22-61434055. Email: info@equitymaster.com. Website: www.equitymaster.com.
CIN:U74999MH2007PTC175407
Name of the Compliance & Grievance Officer: Ms Sonal Ramachandran
Telephone: +91-22-61434003 | Email: compliance@equitymaster.com
LEGAL DISCLAIMER:
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
All rights reserved. Any act of copying, reproducing or distributing this newsletter whether wholly or in part, for any purpose without the permission of Equitymaster is strictly prohibited and shall be deemed to be copyright infringement.
Equitymaster Research Private Limited (formerly Equitymaster Agora Research Private Limited) (Research Analyst) bearing Registration No. INH000000537 (hereinafter referred as 'Equitymaster') is an independent equity research Company. Equitymaster is not an Investment Adviser. Information herein should be regarded as a resource only and should be used at one's own risk. This is not an offer to sell or solicitation to buy any securities and Equitymaster will not be liable for any losses incurred or investment(s) made or decisions taken/or not taken based on the information provided herein. Information contained herein does not constitute investment advice or a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual subscribers. Before acting on any recommendation, subscribers should consider whether it is suitable for their particular circumstances and, if necessary, seek an independent professional advice. This is not directed for access or use by anyone in a country, especially, USA, Canada or the European Union countries, where such use or access is unlawful or which may subject Equitymaster or its affiliates to any registration or licensing requirement. All content and information is provided on an 'As Is' basis by Equitymaster. Information herein is believed to be reliable but Equitymaster does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. Equitymaster may hold shares in the company/ies discussed herein. As a condition to accessing Equitymaster content and website, you agree to our Terms and Conditions of Use, available here. The performance data quoted represents past performance and does not guarantee future results.