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 69.81%
2
With a fall in EPS of -3087.29%, the company declared Very Negative results in Dec 24
- The company has declared negative results for the last 4 consecutive quarters
- PBT LESS OI(Q) At Rs -394.28 cr has Fallen at -256.0% (vs previous 4Q average)
- PAT(Q) At Rs -210.90 cr has Fallen at -3092.6% (vs previous 4Q average)
- NII(Q) Lowest at Rs 487.02 cr
3
Stock is technically in a Mildly Bearish range
- The stocks MACD and KST technical factors are also Bearish
4
With ROA of -1, it has a Very Expensive valuation with a 0.6 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 -55.18%, its profits have fallen by -149%
5
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -0.52% over the previous quarter and collectively hold 5.19% 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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is ESAF Small Fin for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
ESAF Small Fin
-55.03%
-1.78
31.00%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.00%
Net Profit Growth (5y)
-187.90%
Advance to Deposit
86.85%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
6.96%
Gross NPA (avg)
6.27%
Coverage Ratio (avg)
50.43%
Cost to Income (avg)
62.03%
Net Interest Margin (avg)
10.11%
Operating Profit to Assets (avg)
12.22%
ROA (avg)
2.02%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
0.61
PEG Ratio
NA
Dividend Yield
2.53%
ROE (Latest)
-10.15%
ROA (Latest)
-0.97%
Net NPA to Book Value
22.31
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-21What is not working for the Company
PBT LESS OI(Q)
At Rs -394.28 cr has Fallen at -256.0% (vs previous 4Q average
PAT(Q)
At Rs -210.90 cr has Fallen at -3092.6% (vs previous 4Q average
NII(Q)
Lowest at Rs 487.02 cr
INTEREST EARNED(Q)
Lowest at Rs 949.89 cr
PBDIT(Q)
Lowest at Rs 15.49 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 1.63%
EPS(Q)
Lowest at Rs -4.09
Loading Valuation Snapshot...
Here's what is not working for ESAF Small Fin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -394.28 cr has Fallen at -256.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -110.75 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs -210.90 cr has Fallen at -3092.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 7.05 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Net Interest Income (Quarterly)
Lowest at Rs 487.02 cr and Fallen
each quarter in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Lowest at Rs 949.89 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 15.49 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 1.63%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -394.28 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs -4.09
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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