ScoreWhy is ESAF Small Finance Bank Ltd ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 66.21%
2
With a growth in Operating Profit of 44.63%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 3 consecutive quarters
- PBDIT(Q) Highest at Rs 100.74 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 9.18%
- PBT LESS OI(Q) Highest at Rs -141.22 cr.
3
With ROA of -0, it has a Expensive valuation with a 1.2 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 27.93%, its profits have risen by 99.2%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -0.53% over the previous quarter and collectively hold 4.11% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ESAF Small Fin should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ESAF Small Fin for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
ESAF Small Fin
27.93%
0.64
43.38%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.87%
Net Profit Growth (5y)
-141.23%
Advance to Deposit
89.21%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
5.40%
Gross NPA (avg)
5.46%
Coverage Ratio (avg)
56.27%
Cost to Income (avg)
65.21%
Net Interest Margin (avg)
9.66%
Operating Profit to Assets (avg)
11.48%
ROA (avg)
0.44%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.17
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-0.29%
ROA (Latest)
-0.02%
Net NPA to Book Value
10.34
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend31What is working for the Company
PBDIT(Q)
Highest at Rs 100.74 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 9.18%
PBT LESS OI(Q)
Highest at Rs -141.22 cr.
GROSS NPA(Q)
Lowest at 5.40%
NII(Q)
Highest at Rs 584.08 cr
INTEREST EARNED(Q)
Highest at Rs 1,097.77 cr
PAT(Q)
Highest at Rs 80.08 cr.
EPS(Q)
Highest at Rs 1.55
NET NPA(Q)
Lowest at 0.83%
-6What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -1,960.29 Cr
DPS(Y)
Lowest at Rs 0.00
DPR(Y)
Lowest at 0.00%
NON-OPERATING INCOME(Q)
is 231.96 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for ESAF Small Fin
Profit After Tax (PAT) - Quarterly
At Rs 80.08 cr has Grown at 292.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -41.60 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 100.74 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 9.18% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -141.22 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 5.40%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 584.08 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,097.77 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Interest Earned - Quarterly
At Rs 1,097.77 cr has Grown at 24.1% (vs previous 4Q average)
over average Interest Earned of the previous four quarters of Rs 884.30 CrMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 80.08 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.55
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.83%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for ESAF Small Fin
Operating Cash Flow - Annually
Lowest at Rs -1,960.29 Cr
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Non Operating Income - Quarterly
is 231.96 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Dividend per Share (DPS) - Annually
Lowest at Rs 0.00
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
