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During the past 10 years, ESAF Small Finance Bank's highest 3-Year average EPS without NRI Growth Rate was 527.00% per year. The lowest was -24.10% per year. And the median was -15.10% per year.
ESAF Small Finance Bank (NSE:ESAFSFB) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
ESAF Small Finance Bank Earnings per Share (Diluted) Related Terms
ESAF Small Finance Bank Earnings per Share (Diluted) Historical Data
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The historical data trend for ESAF Small Finance Bank's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
ESAF Small Finance Bank Earnings per Share (Diluted) Competitor Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's PE Ratio distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's PE Ratio falls into.
ESAF Small Finance Bank Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
ESAF Small Finance Bank's Earnings Per Share (Diluted) for the fiscal year that ended in Mar. 2026 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-0.11
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of ₹-0.11 mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a Earnings per Share (Diluted) of ₹-0.11 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1412 companies in the Banks industry.
Is ESAF Small Finance Bank's Earnings per Share (Diluted) too high?
ESAF Small Finance Bank's current Earnings per Share (Diluted) is ₹-0.11. Based on the distribution chart, ESAF Small Finance Bank ranks #999999 out of 1412 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ESAF Small Finance Bank has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Earnings per Share (Diluted) compare to competitors?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1412 companies for Earnings per Share (Diluted). This places ESAF Small Finance Bank in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current Earnings per Share (Diluted) is ₹-0.11. 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 Modestly Overvalued. The stock's GF Value™ is ₹36.87, compared to a current price of ₹43.52 — trading 18% above its estimated fair value. The current Earnings per Share (Diluted) is ₹-0.11. ESAF Small Finance Bank's overall GF Score™ is 46/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Earnings per Share (Diluted) is ₹-0.11 as of Jun. 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 ₹43.52 is trading 18% above its estimated GF Value™ of ₹36.87.
GuruFocus considers ESAF Small Finance Bank to be Modestly Overvalued.
Key valuation signals for NSE:ESAFSFB:
Earnings per Share (Diluted): ₹-0.11
GF Value™: ₹36.87 vs. price of ₹43.52 (18% 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.
46GF Score
Get the complete analysis for NSE:ESAFSFB
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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