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ESAF Small Finance Bank (NSE:ESAFSFB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
ESAF Small Finance Bank Equity-to-Asset Related Terms
ESAF Small Finance Bank Equity-to-Asset Historical Data
* 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 Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's Equity-to-Asset falls into.
ESAF Small Finance Bank Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
ESAF Small Finance Bank's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Equity-to-Asset of 0.00 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on ESAF Small Finance Bank and its competitors. Over the past decade, ESAF Small Finance Bank's Equity-to-Asset has ranged from 0.06 to 0.13. According to the industry distribution chart, ESAF Small Finance Bank ranks #1284 out of 1522 companies in the Banks industry, placing it in the top 84.4%.
Is ESAF Small Finance Bank's Equity-to-Asset too high?
ESAF Small Finance Bank's current Equity-to-Asset is 0.00. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.13. Based on the distribution chart, ESAF Small Finance Bank ranks #1284 out of 1522 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 Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1284 out of 1522 companies for Equity-to-Asset. This places ESAF Small Finance Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Historically, ESAF Small Finance Bank's own Equity-to-Asset has ranged from 0.06 to 0.13 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current Equity-to-Asset is 0.00. 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 ₹36.88, compared to a current price of ₹43.97 — trading 19.2% above its estimated fair value. The current Equity-to-Asset is 0.00. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Equity-to-Asset is 0.00 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 ₹43.97 is trading 19.2% above its estimated GF Value™ of ₹36.88.
GuruFocus considers ESAF Small Finance Bank to be Modestly Overvalued.
Key valuation signals for NSE:ESAFSFB:
Equity-to-Asset: 0.00
GF Value™: ₹36.88 vs. price of ₹43.97 (19.2% 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
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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