ESAF Small Finance Bank Intrinsic Value
ESAFSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹30.28 | ₹27.25 - ₹33.31 | +18.0% | Book Value/Share: ₹37.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹51.34 | ₹46.21 - ₹56.47 | +100.0% | Revenue/Share: ₹79.36, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹64.18 | ₹51.34 - ₹77.02 | +150.0% | CF Growth: 15.0%, Discount: 15% |
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Valuation Comparison Chart
ESAFSFB Intrinsic Value Analysis
What is the intrinsic value of ESAFSFB?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of ESAF Small Finance Bank (ESAFSFB) is ₹51.34 (median value). With the current market price of ₹25.67, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹30.28 to ₹64.18, indicating ₹30.28 - ₹64.18.
Is ESAFSFB undervalued or overvalued?
Based on our multi-method analysis, ESAF Small Finance Bank (ESAFSFB) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 13.94 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | -30.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 13.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for ESAF Small Finance Bank
Additional stock information and data for ESAFSFB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹3,176 Cr | ₹2,792 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹1,001 Cr | ₹710 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-571 Cr | ₹-858 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-585 Cr | ₹-1,076 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹1,127 Cr | ₹808 Cr | Positive Free Cash Flow | 8/10 |