Business Description
ESAF Small Finance Bank Ltd
ISIN : INE818W01011
Total Employee Number:
12,520Compare
Compare
Traded in other countries / regions
544020.India IPO Date
2023-11-10Description
ESAF Small Finance Bank Ltd is one of the dominant small finance banks in India in terms of client base size, the yield on advances, Net Interest Margin, assets under management CAGR, total deposit CAGR, loan portfolio concentration in rural and semi-urban areas, and the ratio of microloan advances to gross advances. It delivers its products and services through its business correspondents, customer service centers (which are operated by its business correspondents), Branches, banking agents, ATMs, ATM cum debit cards, mobile banking platforms, SMS alerts, internet banking portals, & unified payment interface facilities. It has business segments, segregating them into Treasury, Wholesale Banking, Retail Banking, & Other Banking Operations. The majority of revenue comes from Retail Banking.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.43 | |||||
Equity-to-Asset | 0.06 | |||||
Debt-to-Equity | 1.54 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 3/9 | |||||
Beneish M-Score | -2.75 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 6.9 | |||||
3-Year FCF Growth Rate | -51.7 | |||||
3-Year Book Growth Rate | 1.3 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 52.81 | |||||
9-Day RSI | 58.25 | |||||
14-Day RSI | 60.25 | |||||
3-1 Month Momentum % | 28.3 | |||||
6-1 Month Momentum % | 6.49 | |||||
12-1 Month Momentum % | -8.73 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -0.1 | |||||
Shareholder Yield % | -36.31 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | -6.65 | |||||
FCF Margin % | -89.63 | |||||
OCF Margin % | -78.32 | |||||
ROE % | -9.09 | |||||
ROA % | -0.59 | |||||
Years of Profitability over Past 10-Year | 8 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Shiller PE Ratio | 24.59 | |||||
PS Ratio | 0.72 | |||||
PB Ratio | 1.02 | |||||
Price-to-Tangible-Book | 1.02 | |||||
EV-to-Revenue | 1.36 | |||||
EV-to-FCF | -1.51 | |||||
Price-to-GF-Value | 1.06 | |||||
Price-to-Projected-FCF | 0.27 | |||||
FCF Yield % | -123.48 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
ESAF Small Finance Bank Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₹) | 25,030.7 | ||
| EPS (TTM) (₹) | -3.24 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | - | ||
| 3-Year Sortino Ratio | - | ||
| Volatility % | 51.13 | ||
| 14-Day RSI | 60.25 | ||
| 14-Day ATR (₹) | 1.645566 | ||
| 20-Day SMA (₹) | 34.2155 | ||
| 12-1 Month Momentum % | -8.73 | ||
| 52-Week Range (₹) | 19.78 - 37.2 | ||
| Shares Outstanding (Mil) | 516 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 3 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
ESAF Small Finance Bank Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
ESAF Small Finance Bank Ltd Stock Events
| Event | Date | Price (₹) | ||
|---|---|---|---|---|
| INR 0.700000 Cash Dividend | 2024-08-07 | 49.97 (+0.28%) |
Show
Entries
ESAF Small Finance Bank Ltd Frequently Asked Questions
What is ESAF Small Finance Bank Ltd(NSE:ESAFSFB)'s stock price today?
The current price of NSE:ESAFSFB is ₹35.20. The 52 week high of NSE:ESAFSFB is ₹37.20 and 52 week low is ₹19.78.
When is next earnings date of ESAF Small Finance Bank Ltd(NSE:ESAFSFB)?
The next earnings date of ESAF Small Finance Bank Ltd(NSE:ESAFSFB) is .
Does ESAF Small Finance Bank Ltd(NSE:ESAFSFB) pay dividends? If so, how much?
ESAF Small Finance Bank Ltd(NSE:ESAFSFB) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on ESAF Small Finance Bank Ltd
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers