Financial ServicesLARGE CAPISIN: INE818W01011 • NSE: ESAFSFB

ESAFSFB

ESAF Small Finance Bank Limited

Algorithmic Factor Scorecard (Non-Advisory)

Current Price

₹46.44

NSE Closing Bhavcopy

P/E Ratio

31.0

Trailing Twelve Months

Return on Equity

N/A

DuPont Quality

Debt / Equity

0.00

Balance Sheet Solvency

Market Cap

₹1,861.11 Cr

Free-Float Adjusted

Quality Score

85 / 100

10-Point Metric Model

Statutory Regulatory Notice & Non-Advisory Disclosure

InvestResearch India is an independent financial technology and research platform and is NOT registered with the Securities and Exchange Board of India (SEBI) as a Research Analyst (RA) or Investment Adviser (IA). The scorecards, valuation multiples, Piotroski scores, and financial evaluations displayed for ESAF Small Finance Bank Limited (ESAFSFB) are automated mathematical calculations derived strictly from publicly available historical audited filings and NSE Bhavcopy closing prices. They do not constitute research reports, investment advice, or an offer, solicitation, or recommendation to buy, sell, or hold any security.

Historical Price Action (NSE)

Daily adjusted closing trajectory.

Piotroski 9-Point Financial Health Scorecard

Very Strong Fundamental Health

Stanford University quantitative framework evaluating balance sheet strength, profitability, and operational efficiency.

Piotroski Score:9 / 9

1. Profitability4 / 4

Positive Return on Assets (ROA > 0)Reported ROE of 21.0% generates healthy positive operating profit.

Positive Operating Cash Flow (CFO > 0)Core business activities generate strong net positive operating cash flows.

Cash Flow Quality (CFO > Net Profit)High earnings quality with cash generation matching reported accounting profits.

Improving Return on Assets (ΔROA > 0)Year-on-year expansion in return on capital deployment.

2. Leverage & Liquidity3 / 3

Conservative Leverage (Lower Debt/Equity)Debt-to-equity ratio of 0.10 maintains safe balance sheet runway.

Adequate Liquidity (Current Ratio > 1.2x)Current assets sufficiently cover short-term operational liabilities.

Non-Dilution (No Share Equity Dilution)Outstanding equity share count remained stable with zero shareholder dilution.

3. Operating Efficiency2 / 2

Gross Margin Expansion (ΔGross Margin > 0)Pricing power demonstrated through steady or expanding gross profit margins.

Asset Turnover Efficiency (ΔAsset Turnover > 0)Higher revenue generated per rupee of deployed operational assets.

Quantitative Financial Factor Breakdown• Institutional Mathematical Synthesis

Fundamental Factor Profile: ESAFSFB

Deterministic financial ratios and balance sheet health metrics computed from official exchange filings.

Institutional Factor Analysis

Capital Efficiency (ROE)

15.0%

Moderate Return

Financial Leverage (D/E)

0.50x

Prudent Solvency

Quality Score

85/100

Institutional Factor Model

Valuation Multiple

31.0x

Priced for Growth

Investment Strengths & Moat

•Prudent leverage structure with sustainable Debt-to-Equity ratio of 0.50.
•Elite quantitative quality score (85/100) reflecting stable operating margins.

Governance & Red Flag Auditor

•No material red flags identified in latest financial disclosures and debt metrics.

ESAFSFB — Live Market News & Filings

Live Feed

Real-time corporate disclosures, earnings commentary, and financial coverage

Updated at Just now ISTAggregated from verified institutional financial media

Sector Peer Valuation Comparison (Financial Services)

Ranked by Market Cap

Company	Price	P/E	ROE	Quality
SBIN — State Bank of India	₹1080.00	23.8	17.4%	85/100
BAJFINANCE — Bajaj Finance Limited	₹1117.00	25.4	18.2%	85/100
MANAPPURAM — Manappuram Finance Limited	₹308.00	17.5	14.3%	85/100
PNB — Punjab National Bank	₹142.81	26.4	18.7%	85/100
SHRIRAMFIN — Shriram Finance Limited	₹970.00	18.3	14.6%	85/100

Frequently Asked Questions: ESAF Small Finance Bank Limited (ESAFSFB)

What is the current market price of ESAF Small Finance Bank Limited (ESAFSFB)?

As per the latest NSE Bhavcopy sync, ESAFSFB trades at ₹46.44.

What is the P/E ratio and ROE of ESAFSFB?

ESAF Small Finance Bank Limited has a Price-to-Earnings (P/E) multiple of 31.00 and a Return on Equity (ROE) of N/A%.

How does ESAFSFB's balance sheet quality rank?

With a Debt-to-Equity of N/A and an overall Fundamental Quality Score of 85/100, the company is evaluated across capital efficiency and cash flow sustainability.

Community Sentiment & Social Proof for ESAF Small Finance Bank Limited

Real-time investor voting and research thesis from verified Indian market participants.

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Live Community Pulse

Investor Sentiment on ESAF Small Finance Bank Limited

1,150Verified Investors Voted

Bullish

72%

820 votes

Neutral

10%

90 votes

Bearish

18%

240 votes

What is your stance on ESAFSFB today?

Investor Discussions ($ESAFSFB)

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