ESAF Small Finance Bank (NSE:ESAFSFB) Debt-to-Equity: N/A (As of Jun. 2026)

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NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
51 GF Score
Price ₹40.27
GF Value ₹36.72
Valuation Fairly Valued
! 4 Warning Signs
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What is ESAF Small Finance Bank Debt-to-Equity?

ESAF Small Finance Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. ESAF Small Finance Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹0 Mil. ESAF Small Finance Bank's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹0 Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for ESAF Small Finance Bank's Debt-to-Equity or its related term are showing as below:

NSE:ESAFSFB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.72   Med: 1.21   Max: 6.71
Current: 1.26

During the past 10 years, the highest Debt-to-Equity Ratio of ESAF Small Finance Bank was 6.71. The lowest was 0.72. And the median was 1.21.

NSE:ESAFSFB's Debt-to-Equity is ranked worse than
73.49% of 1422 companies
in the Banks industry
Industry Median: 0.58 vs NSE:ESAFSFB: 1.26

ESAF Small Finance Bank  (NSE:ESAFSFB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

ESAF Small Finance Bank Debt-to-Equity Related Terms

ESAF Small Finance Bank Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for ESAF Small Finance Bank's Debt-to-Equity 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 Debt-to-Equity Chart

ESAF Small Finance Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.60 1.56 1.03 0.72 1.26

ESAF Small Finance Bank Quarterly Data
Mar20 Sep20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A 1.21 N/A 1.26 N/A

ESAF Small Finance Bank Debt-to-Equity Competitor Comparison

For the Banks - Regional subindustry, ESAF Small Finance Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where ESAF Small Finance Bank's Debt-to-Equity falls into.


NSE:ESAFSFB
51GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ESAF Small Finance Bank Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

ESAF Small Finance Bank's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 22527.38) / 17865.369
=1.26

ESAF Small Finance Bank's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 0
=N/A

* 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.

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 ₹40.27 is trading 9.7% above its estimated GF Value™ of ₹36.72. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • Debt-to-Equity: N/A
  • GF Value™: ₹36.72 vs. price of ₹40.27 (9.7% above fair value)
  • GF Score™: 51/100 with 4 warning signs

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 Business Description

Other Exchanges 544020:India
Address Thrissur-Palakkad National Highway, Building No.VII/83/8, ESAF Bhavan, Mannuthy, Thrissur, KL, IND, 680651
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.
51GF Score

Get the complete analysis for NSE:ESAFSFB

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹40.27
Price
₹36.72
GF Value