ESAF Small Finance Bank Intrinsic Value
ESAF Small Finance Bank (ESAFSFB) median intrinsic value is ₹80.54 from 3 valuation models (range ₹28–₹101), vs current price ₹40.27 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit ESAF Small Finance Bank screener.
ESAFSFB Valuation Methods Summary — DCF, Graham Number & P/E
ESAF Small Finance Bank intrinsic value across 3 models vs current price ₹40.27 — upside/downside and value range per method. See ESAFSFB book value to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹27.71 | ₹24.94 - ₹30.48 | -31.2% | Book Value/Share: ₹34.63, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹80.54 | ₹72.49 - ₹88.59 | +100.0% | Revenue/Share: ₹90.52, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹100.68 | ₹80.54 - ₹120.82 | +150.0% | CF Growth: 15.0%, Discount: 15% |
ESAFSFB Intrinsic Value vs Market Price — All Valuation Models
ESAF Small Finance Bank fair value range ₹28–₹101 vs current market price ₹40.27 across 3 valuation models. Check ESAF Small Finance Bank networth to track the company's total market size over time.
ESAFSFB Intrinsic Value Analysis — Undervalued or Overvalued?
ESAF Small Finance Bank median intrinsic value ₹80.54, current price ₹40.27 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹80.54 (median value). With the current market price of ₹40.27, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹27.71 to ₹100.68, indicating ₹27.71 - ₹100.68.
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%.
ESAFSFB Financial Health — Key Ratios vs Industry Benchmarks
ESAF Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -0.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 26.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
ESAFSFB Cash Flow Quality — Operating & Free Cash Flow
ESAF Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,960 Cr | ₹-2,056 Cr | Negative Cash Flow | 3/10 |
| 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 |