ESAF Small Finance Bank Limited
ESAFSFBESAF Small Finance Bank Limited
ESAFSFB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
AvgFinancials growth has been moderate for a few years
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 69.37 | 0.78 | 1.84% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.61 | 2.45 | 0.98% |
Forecast & Ratings
Detailed Forecast Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
ESAF Small Finance Bank is a small finance bank with a focus on unbanked and under-banked customer segments, especially in rural and semi-urban centers.
Investor Presentation
View olderPeers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Kotak Mahindra Bank Ltd
Axis Bank Ltd
IDBI Bank Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
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Hmm, looks like data is unavailable here. Please come back after some timeIncome
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 48.21 | 698.70 | 1,140.79 | 1,546.44 | 1,768.42 | 2,147.51 | 3,141.57 | 4,260.26 | 4,476.94 | |||||||||
Raw Materials | — | — | — | — | — | — | — | — | 4,438.30 | |||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | ||||||||||
| Employee Cost | 1.82 | 39.52 | 77.10 | 144.07 | 187.78 | 232.14 | 278.00 | 362.97 | ||||||||||
| Selling & Administrative Expenses | 7.13 | 44.84 | 50.55 | 59.93 | 73.92 | 100.76 | 140.48 | 170.93 | ||||||||||
| Operating & Other expenses | 36.63 | 561.07 | 869.04 | 1,063.02 | 1,336.76 | 1,707.99 | 2,275.27 | 3,104.93 | ||||||||||
EBITDA | 2.63 | 53.27 | 144.10 | 279.42 | 169.96 | 106.62 | 447.82 | 621.43 | 38.64 | |||||||||
| Depreciation/Amortization | 0.44 | 9.43 | 16.91 | 23.17 | 28.57 | 32.77 | 41.79 | 50.99 | — | |||||||||
| PBIT | 2.19 | 43.84 | 127.19 | 256.25 | 141.39 | 73.85 | 406.03 | 570.44 | 38.64 | |||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | |||||||||
| PBT | 2.19 | 43.84 | 127.19 | 256.25 | 141.39 | 73.85 | 406.03 | 570.44 | 38.64 | |||||||||
| Taxes & Other Items | 1.43 | 16.85 | 36.90 | 65.87 | 35.99 | 19.12 | 103.71 | 144.85 | 10.45 | |||||||||
| Net Income | 0.76 | 26.99 | 90.29 | 190.38 | 105.40 | 54.73 | 302.32 | 425.59 | 28.19 | |||||||||
| EPS | 0.03 | 0.88 | 2.44 | 4.45 | 2.40 | 1.22 | 6.73 | 8.83 | 0.55 | |||||||||
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.70 | 0.70 | |||||||||
| Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.08 | 1.28 |
Company Updates
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| ESAF Small Finance Bank Limited | 4.59 | 0.78 | 1.84% |
| HDFC Bank Ltd | 21.38 | 2.92 | 1.08% |
| ICICI Bank Ltd | 20.69 | 3.39 | 0.77% |
| Kotak Mahindra Bank Ltd | 19.13 | 2.68 | 0.11% |
Price Comparison
Compare ESAFSFB with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Increased Total Retail Holding
In last 3 months, retail holding in the company has increased by 2.09%
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 4 Mutual Funds holding ESAF Small Finance Bank Limited
| Funds (Top 4) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0823% | Percentage of the fund’s portfolio invested in the stock 0.09% | Change in the portfolio weight of the stock over the last 3 months 0.04% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 269/309 (-1) |
Groww Nifty Total Market Index Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0004% | Percentage of the fund’s portfolio invested in the stock 0.00% | Change in the portfolio weight of the stock over the last 3 months 0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 739/799 (+5) |
Bandhan Nifty Total Market Index Fund - Direct Plan - Growth Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0001% | Percentage of the fund’s portfolio invested in the stock 0.00% | Change in the portfolio weight of the stock over the last 3 months 0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 744/801 (+6) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No dividend trend available
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateAug 7, 2024
Dividend/Share
₹0.70
Ex DateEx Date
Aug 7, 2024
ESAF Small Finance Bank has allotted 59,904 equity shares under ESOP on 25 November 2024. With this allotment, the paid up equity share capital has increased to 51,49,91,232 equity shares of Rs 10 each. Powered by Capital Market - Live
Net loss of ESAF Small Finance Bank reported to Rs 190.07 crore in the quarter ended September 2024 as against net profit of Rs 140.12 crore during the previous quarter ended September 2023. Total Operating Income rose 5.63% to Rs 996.43 crore in the quarter ended September 2024 as against Rs 943.34 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income996.43943.34 6 OPM %16.3448.35 - PBDT-196.66188.29 PL PBT-196.66188.29 PL NP-190.07140.12 PL Powered by Capital Market - Live
ESAF Small Finance Bank will hold a meeting of the Board of Directors of the Company on 13 November 2024Powered by Capital Market - Live
ESAF Small Finance Bank has allotted 57,432 equity shares under ESOP on 23 October 2024. With this allotment, the paid up equity share capital has increased to 51,49,31,328 equity shares of Rs 10 each. Powered by Capital Market - Live
ESAF Small Finance Bank has allotted 94,038 equity shares under ESOP on 24 September 2024. With this allotment, the paid up equity share capital has increased to 51,48,73,896 equity shares of Rs 10 each. Powered by Capital Market - Live
Net profit of ESAF Small Finance Bank declined 51.70% to Rs 62.77 crore in the quarter ended June 2024 as against Rs 129.96 crore during the previous quarter ended June 2023. Total Operating Income rose 13.77% to Rs 1022.49 crore in the quarter ended June 2024 as against Rs 898.72 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Total Operating Income1022.49898.72 14 OPM %39.4943.84 - PBDT84.92173.74 -51 PBT84.92173.74 -51 NP62.77129.96 -52 Powered by Capital Market - Live
ESAF Small Finance Bank will hold a meeting of the Board of Directors of the Company on 26 July 2024.Powered by Capital Market - Live
ESAF Small Finance Bank announced that the 8th Annual General Meeting (AGM) of the bank will be held on 14 August 2024.Powered by Capital Market - Live
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 30.15%, vs industry avg of 16.68%
Increasing Market Share
Over the last 5 years, market share increased from 0.21% to 0.36%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 36.35%, vs industry avg of 43.24%