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ESAF Small Finance Bank's book value per share for the quarter that ended in Mar. 2026 was ₹34.65.
During the past 12 months, ESAF Small Finance Bank's average Book Value Per Share Growth Rate was -8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of ESAF Small Finance Bank was 57.90% per year. The lowest was 1.30% per year. And the median was 16.50% per year.
During the past 10 years, the highest P/B Ratio of ESAF Small Finance Bank was 1.32. The lowest was 0.67. And the median was 0.85.
Warning Sign:
ESAF Small Finance Bank Ltd stock PB Ratio (=1.02) is close to 2-year high of 1.05.
ESAF Small Finance Bank (NSE:ESAFSFB) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
ESAF Small Finance Bank Book Value per Share Related Terms
ESAF Small Finance Bank Book Value per Share Historical Data
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The historical data trend for ESAF Small Finance Bank's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ESAF Small Finance Bank Book Value per Share Chart
NSE:ESAFSFB vs PNC: Book Value per Share Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ESAF Small Finance Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ESAF Small Finance Bank (NSE:ESAFSFB) has a Book Value per Share of ₹34.65 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on ESAF Small Finance Bank and its competitors.
Is ESAF Small Finance Bank's Book Value per Share too high?
ESAF Small Finance Bank's current Book Value per Share is ₹34.65. Overall, ESAF Small Finance Bank has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Book Value per Share compare to PNC?
ESAF Small Finance Bank's Book Value per Share of ₹34.65 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on ESAF Small Finance Bank and its competitors. ESAF Small Finance Bank's current Book Value per Share is ₹34.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ESAF Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, ESAF Small Finance Bank (NSE:ESAFSFB) is currently considered Fairly Valued. The stock's GF Value™ is ₹33.23, compared to a current price of ₹35.20 — trading 5.9% above its estimated fair value. The current Book Value per Share is ₹34.65. ESAF Small Finance Bank's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Book Value per Share is ₹34.65 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ESAF Small Finance Bank (NSE:ESAFSFB) Overvalued in 2026?
Based on GuruFocus' analysis, ESAF Small Finance Bank stock appears to be overvalued.
The current stock price of ₹35.20 is trading 5.9% above its estimated GF Value™ of ₹33.23.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
Book Value per Share: ₹34.65
GF Value™: ₹33.23 vs. price of ₹35.20 (5.9% above fair value)
No single metric tells the full story. See the NSE:ESAFSFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ESAF Small Finance Bank Ltd is one of the dominant small finance banks in India in terms of client base size, the yield on advances, Net Interest Margin, assets under management CAGR, total deposit CAGR, loan portfolio concentration in rural and semi-urban areas, and the ratio of microloan advances to gross advances. It delivers its products and services through its business correspondents, customer service centers (which are operated by its business correspondents), Branches, banking agents, ATMs, ATM cum debit cards, mobile banking platforms, SMS alerts, internet banking portals, & unified payment interface facilities. It has business segments, segregating them into Treasury, Wholesale Banking, Retail Banking, & Other Banking Operations. The majority of revenue comes from Retail Banking.
49GF Score
Get the complete analysis for NSE:ESAFSFB
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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