Banks
Valuation | |
|---|---|
| Market Cap | 1.5 kCr |
| Price/Earnings (Trailing) | -3.3 |
| Price/Sales (Trailing) | 0.36 |
| EV/EBITDA | 1.13 |
| Price/Free Cashflow | 0.46 |
| MarketCap/EBT | -3.03 |
| Enterprise Value | 1.5 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -0.40% |
| Price Change 1M | 10.9% |
| Price Change 6M | -3.9% |
| Price Change 1Y | -19.5% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -768.83 Cr |
| Cash Flow from Operations (TTM) | 3.18 kCr |
| Cash Flow from Financing (TTM) |
| Revenue (TTM) |
| 4.19 kCr |
| Rev. Growth (Yr) | 9.6% |
| Earnings (TTM) | -373.1 Cr |
| Earnings Growth (Yr) | 103.4% |
Profitability | |
|---|---|
| Operating Margin | 13% |
| EBT Margin | -12% |
| Return on Equity | -1.38% |
| Return on Assets | -1.38% |
| Free Cashflow Yield | 218.3% |
| -1.85 kCr |
| Free Cash Flow (TTM) | 3.18 kCr |
| Free Cash Flow/Share (TTM) | 61.63 |
Balance Sheet | |
|---|---|
| Total Assets | 27.13 kCr |
| Shareholder Equity | 27.13 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -1.27 |
| Interest/Cashflow Ops | 2.74 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend Yield | 2.1% |
| Shares Dilution (1Y) | 0.10% |
Insider Trading: There's significant insider buying recently.
Dividend: Dividend paying stock. Dividend yield of 2.1%.
Balance Sheet: Strong Balance Sheet.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money looks to be reducing their stake in the stock.
Insider Trading: There's significant insider buying recently.
Dividend: Dividend paying stock. Dividend yield of 2.1%.
Balance Sheet: Strong Balance Sheet.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money looks to be reducing their stake in the stock.
Investor Care | |
|---|---|
| Dividend Yield | 2.1% |
| Shares Dilution (1Y) | 0.10% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 51.2 |
| RSI (5d) | 47.65 |
| RSI (21d) | 60.1 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of ESAF Small Finance Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
The management of ESAF Small Finance Bank provided an optimistic outlook during the earnings conference call for Q3 FY26, highlighting their focus on strengthening the balance sheet while balancing social impact and profitability. Key forward-looking points include:
Loan Growth Expectations: For FY27, management anticipates a loan growth of approximately 25%, improving from the estimated 15% growth for FY26, which sits at about 14% year-to-date.
Asset Quality Improvements: The bank projects further normalization of credit costs, aiming for a reduction in Gross NPA (GNPA) to approximately 2-3% with a strengthened secured asset mix, currently at 63%, moving towards a target of 70% by March 2027.
Profitability: Management pointed out a return to profitability in Q3 FY26, reporting a Profit After Tax (PAT) of INR 7 crores, with expectations for further improvements in operating metrics and credit costs over the next financial year.
MARG Strategy: The bank continues to execute its MARG strategy to diversify its lending portfolio across MSME, Agri, Retail, and Gold loans, contributing to a significant increase in secured lending, which constitutes 81% of total disbursements, reinforcing asset quality.
Digital Transformation Initiatives: The ESAF 2.0 StratoNeXt digital transformation program, targeted for go-live in Q2 FY27, aims to enhance operational efficiency, scalability, and compliance, which is expected to improve customer service and growth.
Financial Overview: As of Q3 FY26, total business increased to INR 44,686 crores, with gross advances growing by 13% year-on-year to INR 20,679 crores, and total deposits at INR 24,006 crores, indicating a stable deposit base with a CD ratio of 83.6%.
In summary, management's outlook reflects a committed approach to sustained growth, improved asset quality, and strong operational performance, positioning the bank favorably for future growth.
Understand ESAF Small Finance Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Esaf Financial Holdings Private Limited | 52.86% |
| Paul Thomas | 6.05% |
| Yusuffali Musaliam Veettil Abdul Kader | 4.48% |
| Esaf Swasraya Multistate Agro Cooperative Society Limited | 4.35% |
| Muthoot Finance Limited | 3.63% |
| George Ittan Maramkandathil | 2.59% |
| Bajaj Life Insurance Limited |
Detailed comparison of ESAF Small Finance Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| AUBANK | AU Small Finance Bank | 74.05 kCr | 20.9 kCr | -1.30% | +69.10% | 28.1 | 3.54 | - | - |
| UJJIVANSFB | Ujjivan Small Finance Bank | 12.19 kCr |
Comprehensive comparison against sector averages
ESAFSFB metrics compared to Banks
| Category | ESAFSFB | Banks |
|---|---|---|
| PE | -3.30 | 14.35 |
| PS | 0.36 | 1.84 |
| Growth | -5.8 % | 6.7 % |
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 USSD banking services; and debit and credit cards. It also provides working capital/term, farmer interest group, used and new car, two- and three-wheeler, light commercial vehicle, school, personal, agri gold, lease rental discounting, global career development, dream education, gold, dairy development, MSME, dream home, affordable housing, clean energy, business, micro housing, income generation, general, microfinance, QR, micro enterprise, and other loans; as well as ESAF FPO finance; trade receivables e-discounting system; salary overdrafts; and loans against property. In addition, the company offers micro-banking services; internet bill payment system and unified payment interface services; investment products, including national pension systems; third party financial product distribution, such as life, general, and health insurance, as well as 3-in-1 accounts; treasury services; foreign exchange services comprising purchase and sale of currencies, outward and inward remittances, money transfer service schemes, and non-resident repatriation; and other banking services. The company was founded in 1992 and is based in Thrissur, India. ESAF Small Finance Bank is a subsidiary of ESAF Financial Holdings Private Limited.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
ESAFSFB vs Banks (2024 - 2026)
Question: "Now with your gross NPA reducing and even slippage has come down considerably. So by when should we see normalization of credit cost or a declining trend as such?"
Answer: "I believe credit costs will get normalized in the next financial year itself. It has already moderated on both a quarter-on-quarter and month-on-month basis. We expect to see visible improvements starting from Q1 FY27."
Question: "What would be a normalized credit cost given the current portfolio mix?"
Answer: "Given our current portfolio mix with 63% secured assets, we anticipate a normalized credit cost in the range of 2% to 3% moving forward."
Question: "What is your steady-state ROA profile that you expect given the current portfolio mix?"
Answer: "We hope to stabilize our ROA at around 1.5% to 2% on a normalized level as we absorb some backlog in the P&L. However, the full impact may take time, likely becoming evident in FY28."
Question: "What is the growth outlook for FY27 in terms of loan book growth?"
Answer: "For FY27, we expect loan growth to be around 25%. This year (FY26), we anticipate ending with a growth rate of approximately 15%."
Question: "Could you please share the write-off numbers on the microfinance book for 9 months FY26?"
Answer: "We haven't done any technical write-offs this year; instead, we had some ARC sales amounting to around INR 1,018 crores for the first nine months."
| 2% |
| Edelweiss Life Insurance Company Limited | 1.95% |
| Mereena Paul | 0.01% |
| Beena George | 0.01% |
| Bosco Joseph | 0.01% |
| Abhishek Joe Paul | 0% |
| Benno Joseph | 0% |
| Mercy Jimmy | 0% |
| Sunny Thomas | 0% |
| Ashish Chris Paul | 0% |
| Achamma Thomas | 0% |
| K Pailee Thomas | 0% |
| Dev Bhoomi Eco Tourism Private Limited | 0% |
| Hebron Gardens Private Limited | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 7.7 kCr |
| +8.40% |
| +62.60% |
| 13.02 |
| 1.58 |
| - |
| - |
| EQUITASBNK | Equitas Small Finance Bank | 7.41 kCr | 7.64 kCr | -2.30% | -9.10% | 49.08 | 0.97 | - | - |
| SURYODAY | Suryoday Small Finance Bank | 1.43 kCr | 2.36 kCr | -6.50% | +8.70% | 13.01 | 0.61 | - | - |
| 8.2% |
| 279 |
| 258 |
| 258 |
| 304 |
| 293 |
| 301 |
| Operating expenses | 8% | 449 | 416 | 448 | 488 | 472 | 494 |
| Operating profit | 173.9% | 253 | 93 | 125 | 91 | 127 | 143 |
| Provisions other than tax and contingencies | -2.4% | 243 | 249 | 234 | 332 | 410 | 340 |
| Exceptional items | - | 0 | 0 | 0 | 0 | 0 | -58 |
| Profit before tax | 105.2% | 9.13 | -155.42 | -109.2 | -240.84 | -282.39 | -254.66 |
| Tax expense | 102.5% | 2.01 | -39.61 | -27.98 | -57.65 | -71.49 | -64.59 |
| Profit after tax | 105.2% | 7.12 | -115.81 | -81.22 | -183.19 | -210.9 | -190.07 |
| Net profit (loss) for the period | 105.2% | 7.12 | -115.81 | -81.22 | -183.19 | -210.9 | -190.07 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -1.1% | 0.1546 | 0.1637 | 0.1791 | 0.1711 | 0.1823 | 0.1927 |
| Additional tier 1 ratio | 0% | 05 | 053 | 052 | 047 | 045 | 04 |
| Gross non performing assets | -28.7% | 1,166 | 1,635 | 1,364 | 1,291 | 1,274 | 1,279 |
| Non performing assets | -21.3% | 548 | 696 | 661 | 540 | 520 | 525 |
| Return on assets | 0.5% | 003 | -043 | -03 | -067 | -079 | 0 |
Analysis of ESAF Small Finance Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.