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ESAF SMALL FINANCE BANK
Intrinsic Value | Fundamental Analysis

BOM : 544020     NSE : ESAFSFB    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Mild Upward
Pledged Shares : NA
Apr 16,2024
Price(EOD): ₹ 60.04
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 3,090.86 Cr
Value of ₹ 1 Lac invested in ESAF SMALL FINANCE BANK
on Nov 10,2023 (price: ₹ 69.05)

₹ 1 L

₹ 0.87 L

1W : NA 1M : NA 1Y : NA
COMMUNITY POLL
for ESAF SMALL FINANCE BANK
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
ESAF SMALL FINANCE BANK NA NA NA
HDFC BANK -1.5% 0.4% -8.6%
ICICI BANK NA 2.2% 27.9%
KOTAK MAHINDRA BANK 0.4% 1.8% 3.9%
AXIS BANK -0.8% -5.2% 20.9%
INDUSIND BANK 5.9% 2.6% 47.7%
IDBI BANK -0.3% -11.8% 73.6%
YES BANK 2.5% -10.3% 56.4%
IDFC FIRST BANK 1.4% -6.2% 40.1%

FUNDAMENTAL ANALYSIS OF ESAF SMALL FINANCE BANK

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF ESAF SMALL FINANCE BANK

 
Valuation Score
[As on : Apr 16,2024 ]

Ratio Standalone
P/E
P/B
P/S
8.9
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 347.25 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

1.81
P/B Calculated based on Book Value of Rs 1,709.13 Cr
[Latest Year - Mar2023 - Standalone Results ]

0.93
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF ESAF SMALL FINANCE BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
73%
-

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SHARE PRICE MOMENTUM OF ESAF SMALL FINANCE BANK



ESAF SMALL FINANCE BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Standalone
2023
2022
2021
Avg_3yrs
1.13
3.92
3.88
2.98

PLEDGED PROMOTER SHARES OF ESAF SMALL FINANCE BANK

Pledged Promoter Shares
NA

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF ESAF SMALL FINANCE BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
3.29%
-0.68%
-20.42%
-19.97%
NA
494.03%
NA
NA
QtrlyTrend
-1
Latest Qtr: Dec2023
Quarterly Result Analysis →


ESAF SMALL FINANCE BANK related INDICES

BSE Indices1W1M1Y
S&P BSE SMALL CAP -1.3% 6.1% 62.6%
S&P BSE MIDSMALLCAP -1.4% 4.4% 63.3%
S&P BSE IPO -1.8% 7.3% 75.7%
S&P BSE ALLCAP -1.9% 1.5% 38.3%
S&P BSE FINANCE -2.4% 1.3% 23.1%
No NSE index found

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FAQ about ESAF SMALL FINANCE BANK


Is ESAF SMALL FINANCE BANK good for long term investment?

As on Apr 16,2024, the Fundamentals of ESAF SMALL FINANCE BANK look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of ESAF SMALL FINANCE BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is ESAF SMALL FINANCE BANK UnderValued or OverValued?

As on Apr 16,2024, ESAF SMALL FINANCE BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of ESAF SMALL FINANCE BANK ?

As on Apr 16,2024, the Intrinsic Value of ESAF SMALL FINANCE BANK is Rs. 34.65 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -50.79
Fair Value [Median EV / Sales Model] : Rs. 34.65
Fair Value [Median Price / Sales Model] : Rs. 0.00
Estimated Median Fair Value of ESAF SMALL FINANCE BANK : Rs. 34.65

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is ESAF SMALL FINANCE BANK trading at a Premium or Discount?

As on Apr 16,2024, ESAF SMALL FINANCE BANK is trading at a Premium of 73% based on the estimates of Median Intrinsic Value!