Business Description
ESAF Small Finance Bank Ltd
ISIN : INE818W01011
Description
ESAF Small Finance Bank Ltd is one of the leading 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. They have 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 | 0.44 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 1.29 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 9/9 | |||||
| Beneish M-Score | -2.11 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 42.5 | |||||
| 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 | 36.16 | |||||
| 9-Day RSI | 37.41 | |||||
| 14-Day RSI | 38.47 | |||||
| 6-1 Month Momentum % | -25.16 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Shareholder Yield % | -34.69 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 15.14 | |||||
| FCF Margin % | 33.06 | |||||
| ROE % | 20.23 | |||||
| ROA % | 1.84 | |||||
| Years of Profitability over Past 10-Year | 8 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 5.8 | |||||
| PE Ratio without NRI | 57.05 | |||||
| Price-to-Owner-Earnings | 5.79 | |||||
| PEG Ratio | 2.77 | |||||
| PS Ratio | 0.87 | |||||
| PB Ratio | 1.07 | |||||
| Price-to-Tangible-Book | 1.07 | |||||
| Price-to-Free-Cash-Flow | 2.66 | |||||
| Price-to-Operating-Cash-Flow | 2.47 | |||||
| EV-to-Revenue | 1.59 | |||||
| EV-to-FCF | 4.83 | |||||
| Price-to-Projected-FCF | 0.39 | |||||
| Price-to-Peter-Lynch-Fair-Value | 2.77 | |||||
| Price-to-Graham-Number | 1.65 | |||||
| FCF Yield % | 34.79 | |||||
| Forward Rate of Return (Yacktman) % | 29.68 |
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