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STOCKS

ESAF Small Finance Bank Limited (IN:ESAFSFB)

:ESAFSFB

ESAFSFB

ESAF Small Finance Bank Limited

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ESAF Small Finance Bank Limited (ESAFSFB) Ratios

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ESAF Small Finance Bank Limited Ratios

IN:ESAFSFB's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:ESAFSFB's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.04	0.04	0.21	0.40	0.73
Quick Ratio	0.04	0.04	0.26	0.80	1.44
Cash Ratio	0.31	0.31	<0.01	0.37	0.68
Solvency Ratio	0.02	0.02	0.02	<0.01	0.01
Operating Cash Flow Ratio	0.19	0.19	0.18	0.14	0.12
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -233.89B	₹ -233.89B	₹ -175.16B	₹ -146.47B	₹ -90.40B
Leverage Ratios
Debt-to-Assets Ratio	0.17	0.17	0.22	0.28	0.20
Debt-to-Equity Ratio	1.81	1.81	2.65	3.47	1.80
Debt-to-Capital Ratio	0.64	0.64	0.73	0.78	0.64
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.63	0.73	0.53
Financial Leverage Ratio	10.47	10.47	11.79	12.54	9.13
Debt Service Coverage Ratio	0.33	0.33	-0.10	1.46	0.19
Interest Coverage Ratio	0.79	0.79	>-0.01	0.00	0.00
Debt to Market Cap	0.00	0.00	0.95	1.20	0.52
Interest Debt Per Share	125.21	125.21	123.72	126.41	73.62
Net Debt to EBITDA	4.95	4.95	0.00	2.88	3.60
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	20.45%	20.45%	-1.29%	53.18%	7.99%
EBITDA Margin	22.27%	22.27%	0.00%	54.71%	9.60%
Operating Profit Margin	41.16%	41.16%	>-0.01%	0.00%	0.00%
Pretax Profit Margin	20.45%	20.45%	12.56%	3.44%	7.99%
Net Profit Margin	15.25%	15.25%	9.35%	2.55%	5.96%
Continuous Operations Profit Margin	15.25%	15.25%	9.35%	2.55%	5.96%
Net Income Per EBT	74.61%	74.61%	74.46%	74.11%	74.55%
EBT Per EBIT	49.67%	49.67%	-406044100000.00%	0.00%	0.00%
Return on Assets (ROA)	1.63%	1.63%	1.49%	0.31%	0.85%
Return on Equity (ROE)	17.08%	17.08%	17.63%	3.88%	7.80%
Return on Capital Employed (ROCE)	5.35%	5.35%	>-0.01%	0.00%	0.00%
Return on Invested Capital (ROIC)	3.99%	3.99%	>-0.01%	0.00%	0.00%
Return on Tangible Assets	1.63%	1.63%	21.18%	0.90%	2.49%
Earnings Yield	15.57%	15.57%	9.74%	1.76%	3.57%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	13.44	13.44	17.21	13.47	12.78
Asset Turnover	0.11	0.11	0.16	0.12	0.14
Working Capital Turnover Ratio	-0.68	-0.68	-1.03	-1.35	-3.14
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	18.20	18.20	19.57	13.07	7.73
Free Cash Flow Per Share	16.70	16.70	17.97	11.87	6.58
CapEx Per Share	1.50	1.50	1.59	1.20	1.16
Free Cash Flow to Operating Cash Flow	0.92	0.92	0.92	0.91	0.85
Dividend Paid and CapEx Coverage Ratio	12.11	12.11	12.27	10.89	6.69
Capital Expenditure Coverage Ratio	12.11	12.11	12.27	10.89	6.69
Operating Cash Flow Coverage Ratio	0.19	0.19	0.19	0.12	0.14
Operating Cash Flow to Sales Ratio	0.31	0.31	0.27	0.27	0.19
Free Cash Flow Yield	29.05%	29.05%	26.03%	17.19%	9.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.42	6.42	10.27	56.78	28.03
Price-to-Sales (P/S) Ratio	0.98	0.98	0.96	1.45	1.67
Price-to-Book (P/B) Ratio	1.10	1.10	1.81	2.20	2.19
Price-to-Free Cash Flow (P/FCF) Ratio	3.44	3.44	3.84	5.82	10.50
Price-to-Operating Cash Flow Ratio	3.16	3.16	3.53	5.28	8.93
Price-to-Earnings Growth (PEG) Ratio	0.19	0.19	0.02	-1.13	-0.63
Price-to-Fair Value	1.10	1.10	1.81	2.20	2.19
Enterprise Value Multiple	9.35	9.35	0.00	5.53	20.98
Enterprise Value	58.11B	58.11B	76.47B	64.93B	35.65B
EV to EBITDA	9.35	9.35	0.00	5.53	20.98
EV to Sales	2.08	2.08	2.37	3.02	2.01
EV to Free Cash Flow	7.32	7.32	9.47	12.16	12.67
EV to Operating Cash Flow	6.72	6.72	8.70	11.04	10.77
Tangible Book Value Per Share	52.44	52.44	38.15	31.36	31.60
Shareholders’ Equity Per Share	52.44	52.44	38.15	31.36	31.60
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.26	0.26	0.25
Revenue Per Share	58.71	58.71	71.93	47.71	41.36
Net Income Per Share	8.96	8.96	6.73	1.22	2.46
Tax Burden	0.75	0.75	0.74	0.74	0.75
Interest Burden	1.00	1.00	-9.72	0.06	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	>-0.01	>-0.01	<0.01	<0.01	0.00
Income Quality	2.03	2.03	2.91	10.75	3.14

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