` Comparison: ESAFSFB, SBK - Alpha Spread

E
ESAFSFB
vs
S
SBK

Over the past 12 months, ESAFSFB has underperformed SBK, delivering a return of -33% compared to the SBK's +34% growth.

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ESAFSFB
SBK
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Stocks Compared:
ESAFSFB SBK
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Valuation Comparison

E
ESAFSFB Intrinsic Value
59.34 INR
Undervaluation 56%
Intrinsic Value
Price
S
SBK Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
E
ESAF Small Finance Bank Limited
NSE:ESAFSFB
26.32 INR
S
Standard Bank Group Ltd
JSE:SBK
29 470 Zac
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ESAFSFB, SBK

ESAFSFB
SBK
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
E
ESAF Small Finance Bank Limited
Revenue
S
Standard Bank Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ESAFSFB, SBK

ESAFSFB
SBK
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
E
ESAF Small Finance Bank Limited
NSE:ESAFSFB
FCF is not applicable for financial companies
S
Standard Bank Group Ltd
JSE:SBK
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ESAFSFB
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
E
ESAF Small Finance Bank Limited
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Operating Margin

ESAFSFB
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
E
ESAF Small Finance Bank Limited
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Net Margin

ESAFSFB
-20.7%
SBK
17.6%

FCF Margin

ESAFSFB
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
E
ESAF Small Finance Bank Limited
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROE

ESAFSFB
-23.5%
SBK
16.8%

ROA

ESAFSFB
-2%
SBK
1.4%

ROIC

ESAFSFB
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
E
ESAF Small Finance Bank Limited
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROCE

ESAFSFB
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
E
ESAF Small Finance Bank Limited
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ESAFSFB, SBK

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ESAFSFB
SBK
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Performance Gap
ESAFSFB, SBK

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ESAFSFB
SBK
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ESAFSFB, SBK

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ESAFSFB
SBK
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