ESAF Small Finance Bank Faces Financial Challenges Amid Declining Performance Metrics

ESAF Small Finance Bank has recently undergone an adjustment in its evaluation, reflecting a shift in its underlying financial metrics and market position. The bank operates within the small-cap segment of the banking industry and has faced notable challenges in its financial performance.
The latest data indicates a low Capital Adequacy Ratio of 0%, which raises concerns about the bank's ability to manage risks associated with its assets. Additionally, the Cost to Income ratio stands at a high 75.58%, suggesting inefficiencies in cost management. Over the past year, the bank has reported a significant decline in net profit, with an annual growth rate of -223.80%.

In terms of stock performance, ESAF Small Finance Bank has generated a return of -33.48% over the last year, contrasting sharply with the broader market, which has seen a return of 3.20%. The stock's current price is 35.46, with a 52-week high of 54.19 and a low of 24.35.

These factors contribute to the recent revision in its score, highlighting the ongoing challenges faced by ESAF Small Finance Bank in a competitive landscape.

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