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 and unified payment interface facilities. It has business segments segregating them into Treasury, Wholesale Banking, Retail Banking and Other Banking Operations. Majority of revenue comes from Retail Banking.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1
Equity-to-Asset	0.09
Debt-to-Equity	0.92
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	N/A/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	42.1
	3-Year EPS without NRI Growth Rate	-24.1
	3-Year FCF Growth Rate	-2.3
	3-Year Book Growth Rate	22.6

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	66.77
	9-Day RSI	49.7
	14-Day RSI	43.55
	6-1 Month Momentum %	-16.16
	12-1 Month Momentum %	-33.57

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.75
	Dividend Payout Ratio	1.11
	Forward Dividend Yield %	1.75
	5-Year Yield-on-Cost %	1.75
	Shareholder Yield %	5.46

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	1.02
	FCF Margin %	33.48
	ROE %	1.17
	ROA %	0.11
	Years of Profitability over Past 10-Year	8

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	63.49
	Price-to-Owner-Earnings	5.52
	PS Ratio	0.72
	PB Ratio	0.88
	Price-to-Tangible-Book	0.9
	Price-to-Free-Cash-Flow	2.05
	Price-to-Operating-Cash-Flow	1.9
	EV-to-Revenue	0.75
	EV-to-FCF	2.22
	Price-to-Projected-FCF	0.31
	Price-to-Peter-Lynch-Fair-Value	2.18
	FCF Yield %	44.32

Financials

Annual Quarterly TTM

BOM:544020's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

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Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

ESAF Small Finance Bank Ltd Executives

Details

GF Value

BOM:544020

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with 544020. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₹)	27,764.261
	EPS (TTM) (₹)	0.63
	Beta	0
	Volatility %	27.87
	14-Day RSI	43.55
	14-Day ATR (₹)	1.309127
	20-Day SMA (₹)	41.301
	12-1 Month Momentum %	-33.57
	52-Week Range (₹)	37.94 - 82.26
	Shares Outstanding (Mil)	514.99

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	9999
	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

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

ESAF Small Finance Bank Ltd Stock Events

Financials Calendars

	Event	Date	Price(₹)
No Event Data

ESAF Small Finance Bank Ltd Frequently Asked Questions

What is ESAF Small Finance Bank Ltd(BOM:544020)'s stock price today?

The current price of BOM:544020 is ₹40.72. The 52 week high of BOM:544020 is ₹82.26 and 52 week low is ₹37.94.

When is next earnings date of ESAF Small Finance Bank Ltd(BOM:544020)?

The next earnings date of ESAF Small Finance Bank Ltd(BOM:544020) is .

Does ESAF Small Finance Bank Ltd(BOM:544020) pay dividends? If so, how much?

The Dividend Yield % of ESAF Small Finance Bank Ltd(BOM:544020) is 1.75% (As of Today), Highest Dividend Payout Ratio of ESAF Small Finance Bank Ltd(BOM:544020) was 1.11. The lowest was 0. And the median was 0. The Forward Dividend Yield % of ESAF Small Finance Bank Ltd(BOM:544020) is 1.75%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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