Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ESAFSFB.NS
HoldHot AirESAF Small Finance Bank · Financial Services · India · $226M · Avg Vol: $700K/d
36
StockRankGet insider-trade alerts
Q
18
V
43
M
66
P/E (TTM)
—
ROE
-9.3%
D/E
1.3x
Dividend %
—
COMPANY DESCRIPTION
ESAF Small Finance Bank provides banking products and services to rural and semi-urban markets in India. The company operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 20.6B | 28.1B | 25.2B | 25.1B | 6.9% | 18.3B |
| EPS (INR) | 5.87 | 8.96 | -10.13 | -3.23 | 52.6% | — |
| Shares | 514.8M | 514.8M | 515.4M | 515.7M | +0.2% | 516.0M |
| Debt | 26.8B | 25.7B | 14.1B | 22.5B | -5.6% | 27.7B |
| Equity | 17.2B | 24.9B | 19.5B | 17.9B | 1.4% | — |
| Op CF | -5.7B | 10.0B | 31.8B | -19.6B | 217.3% | -19.7B |
| Inv CF | -5.7B | -5.8B | -7.7B | -1.9B | — | — |
| Fin CF | 4.0B | 2.4B | -18.5B | 13.5B | — | — |
Loading 1Y...
PRICE (1Y)-3.2%
SMA 50SMA 200
Close
$0.4146
RSI (14)
29.6
52W High
$0.4709
From 52W High
0.9%
SCORE BREAKDOWN
Quality
18
ROIC (ROA)
-0.5%*10.6
ROE
-9.3%5.6
GP/Assets
5.9%N/A
Op. Margin
18.1%34.5
FCF/Assets
-7.3%N/A
Piotroski
28.9
Int. Cover
—50.0
D/E Ratio
1.26xN/A
Current Ratio
bankN/A
Value
43
P/E (TTM)
—N/A
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.2x50.3
P/S
1.2x86.8
Div Yield
—N/A
Momentum
66
52W High %
88%41.1
RS 6M
66%98.3
SMA 50/200
1.31x97.9
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$226M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ESAFSFB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ESAFSFB.NS | ESAF Small Finance Bank(you) | $226M | 36 | Hold |
| UTKARSHBNK.NS | Utkarsh Small Finance Bank Limited | $295M | 19 | Strong Sell |
| CSBBANK.NS | CSB Bank Limited | $559M | 43 | Hold |
| EQUITASBNK.NS | Equitas Small Finance Bank Limited | $875M | 36 | Hold |
| FINOPB.NS | Fino Payments Bank Limited | $123M | 11 | Strong Sell |
| JSFB.NS | Jana Small Finance Bank Limited | $602M | 56 | Hold |
| PSB.NS | Punjab & Sind Bank | $1.7B | 34 | Sell |
| CAPITALSFB.NS | Capital Small Finance Bank Limited | $133M | 72 | Buy |
| SURYODAY.NS | Suryoday Small Finance Bank Limited | $174M | 81 | Strong Buy |
| BANDHANBNK.NS | Bandhan Bank Limited | $2.9B | 32 | Sell |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%