Esaf Small Finance [ESAFSFB] vs Stel Holdings [STEL] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Esaf Small Finance Bank Ltd. wins in 4 metrics, Stel Holdings Ltd. wins in 11 metrics, with 2 ties. Stel Holdings Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Esaf Small Finance Bank Ltd. | Stel Holdings Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 59.73 | 28.71 | Stel Holdings Ltd. |
| Price-to-Book Ratio | 0.70 | 0.46 | Stel Holdings Ltd. |
| Debt-to-Equity Ratio | 1.20 | 0.00 | Tie |
| PEG Ratio | -0.58 | 0.00 | Tie |
| EV/EBITDA | N/A | 6.85 | N/A |
| Profit Margin (TTM) | -28.41% | 41.66% | Stel Holdings Ltd. |
| Operating Margin (TTM) | 1.99% | 99.12% | Stel Holdings Ltd. |
| EBITDA Margin (TTM) | 1.99% | 99.12% | Stel Holdings Ltd. |
| Return on Equity | -26.75% | 0.91% | Stel Holdings Ltd. |
| Return on Assets (TTM) | -1.92% | 0.83% | Stel Holdings Ltd. |
| Free Cash Flow (TTM) | $30.24B | $431.77M | Esaf Small Finance Bank Ltd. |
| Dividend Yield | 2.29% | N/A | N/A |
| 1-Year Return | -10.27% | 31.32% | Stel Holdings Ltd. |
| Price-to-Sales Ratio (TTM) | 0.94 | 20.97 | Esaf Small Finance Bank Ltd. |
| Enterprise Value | $23.77B | $2.74B | Esaf Small Finance Bank Ltd. |
| EV/Revenue Ratio | 1.81 | 6.74 | Esaf Small Finance Bank Ltd. |
| Gross Profit Margin (TTM) | N/A | 99.77% | N/A |
| Revenue per Share (TTM) | $25 | $43 | Stel Holdings Ltd. |
| Earnings per Share (Diluted) | $-7.24 | $16.07 | Stel Holdings Ltd. |
| Beta (Stock Volatility) | 0.88 | 0.47 | Stel Holdings Ltd. |
Esaf Small Finance Bank Ltd. vs Stel Holdings Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Esaf Small Finance Bank Ltd. | 2.18% | 5.93% | -0.38% | 23.94% | 10.06% | 7.38% |
| Stel Holdings Ltd. | 11.28% | 21.68% | 35.17% | 37.71% | 14.60% | 24.72% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Esaf Small Finance Bank Ltd. | -10.27% | -58.75% | -58.75% | -58.75% | -58.75% | -58.75% |
| Stel Holdings Ltd. | 31.32% | 283.46% | 445.37% | 1,893.17% | 3,341.61% | 3,418.10% |
Performance & Financial Health Analysis: Esaf Small Finance Bank Ltd. vs Stel Holdings Ltd.
| Metric | ESAFSFB | STEL |
|---|---|---|
| Market Information | ||
| Market Cap | ₹12.36B | ₹8.52B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 1,454,497 | 6,953 |
| 90 Day Avg. Volume | 967,400 | 6,305 |
| Last Close | ₹29.10 | ₹616.60 |
| 52 Week Range | ₹19.78 - ₹36.20 | ₹380.00 - ₹633.30 |
| % from 52W High | -19.61% | -2.64% |
| All-Time High | ₹82.40 (Feb 05, 2024) | ₹633.30 (Dec 04, 2025) |
| % from All-Time High | -64.68% | -2.64% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.42% | 55.59% |
| Quarterly Earnings Growth | 0.17% | 49.17% |
| Financial Health | ||
| Profit Margin (TTM) | -0.28% | 0.42% |
| Operating Margin (TTM) | 0.02% | 0.99% |
| Return on Equity (TTM) | -0.27% | 0.01% |
| Debt to Equity (MRQ) | 1.20 | 0.00 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹34.07 | ₹1,005.24 |
| Cash per Share (MRQ) | ₹18.71 | ₹43.55 |
| Operating Cash Flow (TTM) | ₹-7,341,117,000 | ₹484.14M |
| Levered Free Cash Flow (TTM) | ₹-5,213,895,000 | ₹158.68M |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.29% | N/A |
| Last 12-Month Dividend | ₹0.70 | N/A |
Valuation & Enterprise Metrics Analysis: Esaf Small Finance Bank Ltd. vs Stel Holdings Ltd.
| Metric | ESAFSFB (Apr 24, 2026) | STEL (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 59.73 | 28.71 |
| Forward P/E | N/A | N/A |
| PEG Ratio | -0.58 | 0.00 |
| Price to Sales (TTM) | 0.94 | 20.97 |
| Price to Book (MRQ) | 0.70 | 0.46 |
| Market Capitalization | ||
| Market Capitalization | ₹12.36B | ₹8.52B |
| Enterprise Value | ₹23.77B | ₹2.74B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.81 | 6.74 |
| Enterprise to EBITDA | N/A | 6.85 |
| Risk & Other Metrics | ||
| Beta | 0.88 | 0.47 |
| Book Value per Share (MRQ) | ₹34.07 | ₹1,005.24 |
Financial Statements Comparison: Esaf Small Finance Bank Ltd. vs Stel Holdings Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | ESAFSFB (2025) | STEL (2025) |
|---|---|---|
| Revenue/Sales | 25.19B | 204.27M |
| Cost of Goods Sold | N/A | 1.42M |
| COGS % of Revenue | 0.0% | 0.7% |
| Gross Profit | N/A | 202.85M |
| Gross Margin | 0.0% | 99.3% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | 197.31M |
| Operating Margin | 0.0% | 96.6% |
| EBITDA | N/A | 197.88M |
| EBITDA Margin | 0.0% | 96.9% |
| Pre-Tax Income | -6.93B | 212.12M |
| Pre-Tax Income % of Revenue | -27.5% | 103.8% |
| Income Tax | -1.72B | 53.43M |
| Income Tax % of Revenue | -6.8% | 26.2% |
| Net Income (Profit) | -5.21B | 158.68M |
| Profit Margin | -20.7% | 77.7% |
Balance Sheet & Liquidity Metrics
| Metric | ESAFSFB (2025) | STEL (2025) |
|---|---|---|
| Cash & Equivalents | 19.79B | 968,000 |
| Total Current Assets | N/A | 273.20M |
| Total Current Assets % of Revenue | 0.0% | 133.7% |
| Total Current Liabilities | N/A | 252.97M |
| Total Current Liabilities % of Revenue | 0.0% | 123.8% |
| Long-Term Debt | 14.06B | N/A |
| Long-Term Debt % of Revenue | 55.8% | 0.0% |
| Total Shareholders Equity | 19.49B | 17.53B |
| Retained Earnings | 2.91B | 1.05B |
| Retained Earnings % of Revenue | 11.6% | 515.0% |
| Property, Plant & Equipment | 4.92B | 0 |
Cash Flow Statement Comparison
| Metric | ESAFSFB (2025) | STEL (2025) |
|---|---|---|
| Operating Cash Flow | -7.34B | 484.14M |
| Operating Cash Flow % of Revenue | -29.1% | 237.0% |
| Capital Expenditures | -1.52B | -77,000 |
| Free Cash Flow | 30.24B | 431.77M |
| FCF Margin | 120.1% | 211.4% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ESAFSFB | STEL |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 515.68M | 18.46M |
| Float Shares | 150.73M | 1.91M |
| % Held by Insiders | 73.98% | 33.21% |
| % Held by Institutions | 3.95% | 42.93% |
| % Held by Public | 22.07% | 23.86% |
Dividend Analysis & Yield Comparison: Esaf Small Finance Bank Ltd. vs Stel Holdings Ltd.
| Metric | ESAFSFB | STEL |
|---|---|---|
| Last 12-Month Dividend | ₹0.70 | N/A |
| Last 12-Month Dividend Yield | 2.29% | N/A |
| 3-Year Avg Annual Dividend | ₹0.23 | N/A |
| 3-Year Avg Dividend Yield | 1.40% | N/A |
| 3-Year Total Dividends | ₹0.70 | N/A |
| Ex-Dividend Date | Aug 07, 2024 | N/A |