ESAF SMALL FINANCE BANK L
ESAFSFB · General/Diversified · NSE
₹28
Current Market Price
Fair Value (P/B + Residual Income)
₹28
Discount to FV
+0.0%
Updated just now
YieldIQ Score
25/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
34%
ROE
-26.8%
Debt/Equity
0.72
Cost of Equity
11.1%
Market Cap
₹1,433 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
6.9%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹27.78
Bear case
Discount -33.3%
Base case
Discount +0.0%
Bull case
Discount +20.0%
Ratio Trends
ESAFSFB · last 4 annual periods
ROE
-26.8%
ROCE
—
Operating Margin
—
Debt / Equity
0.72×
PE
—
EV / EBITDA
—
Historical Financials
ESAFSFB · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹1355 Cr | ₹2055 Cr | ₹2811 Cr | ₹2519 Cr | +23.0% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹54.7 Cr | ₹302 Cr | ₹426 Cr | ₹-521 Cr | — |
| EPS (diluted) | — | — | ₹8.94 | — | +0.0% |
| CFO | ₹-585 Cr | ₹-571 Cr | ₹1001 Cr | ₹3176 Cr | — |
| CapEx | ₹-54.0 Cr | ₹-71.7 Cr | ₹-71.4 Cr | ₹-153 Cr | — |
| FCF | ₹-639 Cr | ₹-642 Cr | ₹930 Cr | ₹3024 Cr | — |
| Total Assets | ₹17.7K Cr | ₹20.2K Cr | ₹26.1K Cr | ₹27.2K Cr | +15.4% |
| Total Debt | ₹2257 Cr | ₹2680 Cr | ₹2573 Cr | ₹1406 Cr | -14.6% |
| Shareholders' Equity | ₹1412 Cr | ₹1715 Cr | ₹2492 Cr | ₹1949 Cr | +11.4% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
ESAFSFB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
FINOPB FINOPB | — | — | Pending | 12.4% | — |
 CAPITALSFB CAPITALSFB | — | — | Pending | 9.7% | — |
 DHANBANK DHANBANK | — | — | Pending | 7.0% | 7.5× |
 SURYODAY SURYODAY | — | — | Pending | 6.0% | — |
 UTKARSHBNK UTKARSHBNK | — | — | Pending | 0.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
1 ex-dividend event on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹0.70/sh
Last payout
2024-08-07
₹0.70
Peak payout
₹0.70
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. ESAF SMALL FINANCE BANK L (ESAFSFB.NS) trades at 27.78 vs a model fair value of 27.78, a gap of -0.0%. Piotroski F-score: 4/9. Moat label...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of ESAFSFB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for ESAFSFB →
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Head-to-head with peers
Compare ESAFSFB side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse ESAFSFBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.