ESAFSFBESAF Small Finance Bank Ltd.

₹28.96-0.58%

Market Cap

₹0.00 Cr

Stock P/E

0.00

ROCE

0.00%

ROE

0.00%

Book Value

₹0.00

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Holdings

Distribution

Promoter

Institution

Public

Others

From Last Concall

POSITIVES

•
Robust top-line momentum with clear growth in total business and strong underlying growth
•
Significant shift toward secured lending with a higher quality loan mix

NEGATIVES

•
Margin pressure and slower NIM recovery due to asset mix, liquidity and rate transmission
•
Microfinance headwinds persist with asset quality pressure and revenue softness

Peers Summary

Sector Laggard

ESAF Small Finance Bank Ltd. shows significantly weaker metrics compared to its peers. It has no revenue growth, negative earnings, and zero profitability ratios, making it a standout underperformer in the private banking sector. In contrast, established banks like ICICI and HDFC Bank demonstrate strong growth and profitability, positioning them as leaders in the market.

Key Points

• ESAF Small Finance Bank has no revenue growth or earnings, indicating financial distress.
• ICICI Bank and HDFC Bank are the leaders in growth and profitability metrics.
• Yes Bank is financially risky with a high debt-equity ratio and low returns.

Top Performers

ICICI Bank Ltd.

Highest revenue growth (YoY at 16.81%) and strong profitability with a ROE of 19.45%.

HDFC Bank Ltd.

Consistent growth with 18.59% revenue growth (YoY) and solid profitability metrics.

Kotak Mahindra Bank Ltd.

Strong growth and profitability, with the highest EBITDA margin (47.71%).

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