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ESAF Small Finance Bank IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 463.00 Cr. The company is based in Thrissur and caters to Banking And Finance sector. Dam Capital Advisors (Formerly Idfc Securities ) , ICICI Securities , Nuvama Wealth Management are the merchant bankers of ESAF Small Finance Bank IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 6th January 2020.
ESAF Small Finance Bank IPO posted revenues of ₹ 3967.12 crores and PAT of ₹ 519.84 crores in FY24 on annualised basis.
Revenue:
₹ 2,713.92 Cr.
EBITDA Margin:
36.25
% 
Net Worth: ₹ 1839.09 Cr.
Market Capitalisation:
₹ 3087.54 Cr.
P/E:
18.69 times
P/BV: 1.34 times
EV/EBITDA: 5.09 times
Financial results of ESAF Small Finance Bank IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.
| Financials | Jun-23 | FY23 | FY22 | FY21 | |
|---|---|---|---|---|---|
|
Balance Sheet
|
|||||
| Assets | 20795.94 | 20223.65 | 17707.56 | 12338.65 | |
| Net Worth | 1839.09 | 1709.12 | 1406.79 | 1352.06 | |
| Total Debt | 2739.12 | 3354.19 | 2952.83 | 1694.00 | |
|
Profit & Loss
|
|||||
Revenue
Revenue on annualised basis |
678.48
2,713.92 |
2124.25 | 1354.72 | 1048.83 | |
EBITDA
EBITDA on annualised basis |
245.95
983.80 |
627.43 | 220.56 | 284.96 | |
PAT
PAT on annualised basis |
129.96
519.84 |
302.33 | 54.73 | 105.39 | |
ESAF Small Finance Bank IPO PAT Margin is 19.15 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows ESAF Small Finance Bank IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.
| Particulars | Jun-23 | FY23 | FY22 | FY21 |
|---|---|---|---|---|
| EBITDA Margin (%) | 36.25 | 29.54 | 16.28 | 27.17 |
| PAT Margin (%) | 19.15 | 14.23 | 4.04 | 10.05 |
| EPS (₹) | 2.89 | 6.73 | 1.22 | 2.46 |
| ROE (%) | 7.07 | 17.69 | 3.89 | 7.79 |
| ROCE (%) | [●] | [●] | [●] | [●] |
| ROA (%) | 0.62 | 1.49 | 0.31 | 0.85 |
| Debt to Equity | 1.49 | 1.96 | 2.10 | 1.25 |
The market Capitalisation of ESAF Small Finance Bank IPO is ₹ 3087.54 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.
The ESAF Small Finance Bank IPO prospectus highlights an Return on Equity (ROE) of 7.07 % , Return on Assets (ROA) of 0.62 %, and an EBITDA Margin of 36.25 %, showcasing financial performance.
Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows ESAF Small Finance Bank IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.
The post-IPO market capitalisation of ESAF Small Finance Bank IPO is ₹ 3087.54 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.
The ESAF Small Finance Bank IPO has a Price-to-Earnings (PE) ratio of 18.69 X, indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.
ESAF Small Finance Bank IPO reported revenue of ₹ 3967.12 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from ESAF Small Finance Bank IPO provide insights into sales growth, market demand, and business scalability.
ESAF Small Finance Bank recorded an EBITDA of ₹ 983.80 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.
ESAF Small Finance Bank Profit After Tax (PAT) is ₹ 519.84 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions
Revenue:
₹ 2,713.92 Cr.
EBITDA Margin:
36.25
%
Net Worth: ₹ 1839.09 Cr.
Market Capitalisation:
₹ 3087.54 Cr.
P/E:
18.69 times
P/BV: 1.34 times
EV/EBITDA: 5.09 times
ESAF Small Finance Bank operates in Banking And Finance and South Centric SFB And Enjoys Its Niche Play. The Issue is listed on BSE,NSE in Nov, 2023. ESAF Small Finance Bank IPO size was 463.00 with Issue price of 60.00 .
Merchant Banker(s) of ESAF Small Finance Bank IPO: Dam Capital Advisors Limited (Formerly Idfc Securities Limited) , ICICI Securities Limited , Nuvama Wealth Management Limited
ESAF Small Finance Bank IPO subscription was 77.00 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.
ESAF Small Finance Bank IPO listed at a listing price of 69.05 against the offer price of 60.00.
The current market price of ESAF Small Finance Bank is 35.49.
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