ESAFSFB.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Performance Graph
Financial Ratios
Ratio Value
PE Ratio4.82
Net Profit Margin0.15
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity1.03
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: NA

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.15
Return on Assets0.00
Return on Equity0.17
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio1.03
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Undervalued stock and low growth is expected as company’s stock price is very closer to its earnings per share

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio4.82
Gross Profit Margin0.00
Price to Book Ratio0.82
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of ESAF Small Finance Bank

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 260869000000 202237000000 177076000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 55410223000 48885274000 40702980000
Held To Maturity Securities - - -
Available For Sale Securities 1194423000 1347641000 608090000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 2075529000 1879269000 1594750000
Accumulated Depreciation -1968979000 -1473181000 -1078860000
Gross Ppe 4044508000 3352450000 2673610000
Construction In Progress 26080000 2368000 730000
Other Properties 4018428000 3350082000 2672880000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 191105000 117812000 275710000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 14229248000 7670489000 15119040000
Cash Equivalents - - -
Cash Financial 1504627000 1544464000 1466220000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 11496052000 19131467000 7449290000
Total Debt 25725300000 26801956000 22568330000
Total Liabilities Net Minority Interest 235951000000 185087000000 162960000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 25725300000 26801956000 22568330000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 728833000 611265000 444400000
Other Payable 73975000 49674000 36480000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 654858000 561591000 407920000
Common Stock Equity 24917935000 17150035000 14116020000
Total Capitalization 50643235000 43951991000 36684350000
Total Equity Gross Minority Interest 24917935000 17150035000 14116020000
Minority Interest - - -
Stockholders Equity 24917935000 17150035000 14116020000
Other Equity Interest 56794000 58752000 48060000
Treasury Stock - - -
Retained Earnings 8572774000 5420221000 3214960000
Additional Paid In Capital 7748748000 4887628000 4887630000
Capital Stock 5147799000 4494738000 4494740000
Common Stock 5147799000 4494738000 4494740000

Income statement interpretation for ESAF Small Finance Bank

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 27898361000 20553944000 13547160000
Operating Revenue 27898361000 20553944000 13547160000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 4255677000 3023331000 547320000
Net Income From Continuing Operation Net Minority Interest 4255677000 3023331000 547320000
Net Income From Continuing And Discontinued Operation 4255677000 3023331000 547320000
Net Income Common Stockholders 4255677000 3023331000 547320000
Net Income Including Noncontrolling Interests 4255681000 3023335000 547320000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 4255681000 3023335000 547320000
Normalized Income 4255009267 3025846943 547278000
Normalized Ebitda - - -
Total Unusual Items 895000 -3379000 60000
Total Unusual Items Excluding Goodwill 895000 -3379000 60000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 509940000 417889000 327740000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 16414255000 12355042000 8628710000
Other Operating Expenses 10910900000 8062681000 5166470000
Depreciation And Amortization In Income Statement 509940000 417889000 327740000
Amortization - - -
Depreciation Income Statement 509940000 417889000 327740000
Selling General And Administration 296421000 179307000 70790000
Selling And Marketing Expense 273425000 154680000 58970000
General And Administrative Expense 22996000 24627000 11820000
Rent And Landing Fees 843178000 748007000 600210000
Tax Provision 1448450000 1037110000 -
Pretax Income 5704131000 4060445000 547320000
Other Non Operating Income Expenses - - -
Special Income Charges 895000 -3379000 60000
Other Special Charges -895000 3379000 -60000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 8.94 5.87 1.06
Basic Eps 8.96 5.87 1.06
Diluted Ni Avail To Com Stockholders 4255677000 3023331000 547320000
Net Income From Continuing Operations 5704124000 4060448000 738500000
Minority Interests - - -

Cash flow analysis for ESAF Small Finance Bank

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 10009278000 -5707044000 -5845020000
Changes In Cash 6534958000 -7448557000 -3075160000
Taxes Refund Paid -1603293000 -613045000 -169020000
Change In Working Capital -275681000 -15337987000 -10845580000
Change In Other Current Liabilities 28723000 834319000 1378630000
Change In Other Current Assets -1662918000 -1670513000 -497390000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 64766000 62701000 80350000
Stock Based Compensation -1958000 10694000 48060000
Provision And Write Off Of Assets 6020445000 4931345000 4177070000
Depreciation And Amortization 509940000 417889000 327740000
Amortization Cash Flow - - -
Depreciation 509940000 417889000 327740000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -5825353000 -5732176000 -9818470000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale -5120049000 -5026386000 -9281160000
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -705304000 -705790000 -537310000
Sale Of Ppe 8818000 10716000 2830000
Purchase Of Ppe -714122000 -716506000 -540140000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 2351033000 3990663000 12588330000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance 3907000000 - -
Common Stock Payments - - -
Common Stock Issuance 3907000000 - -
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock 3907000000 - -
Net Issuance Payments Of Debt -1316656000 4013623000 12588330000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance -1316656000 4013623000 12588330000
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of ESAFSFB.NS (ESAF Small Finance Bank)

Above is the summary for fundamental analysis of ESAF Small Finance Bank , whose ticker name is ESAFSFB.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The ESAF Small Finance Bank which is listed in NSE (National Stock Exchange) has a PE ratio of 4.82, ESAFSFB.NS has a net profit margin of 0.15, the acid test ratio for ESAFSFB.NS is 0.00, ESAFSFB.NS has an inventory turnover of 0.00, and ESAFSFB.NS has debt-to-equity ratio of 1.03.

The ESAFSFB.NS whose company name is ESAF Small Finance Bank has made profit/loss of 0 with total revenue of 27898361000, ESAFSFB.NS has assets worth of 260869000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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