ESAF Small Finance Bank (NSE:ESAFSFB) EV-to-FCF: (As of Jul. 18, 2026)

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NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
49 GF Score
Price ₹35.20
GF Value ₹33.28
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ESAF Small Finance Bank's Enterprise Value is ₹33,951 Mil. ESAF Small Finance Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, ESAF Small Finance Bank's EV-to-FCF for today is .

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

NSE:ESAFSFB' s EV-to-FCF Range Over the Past 10 Years
Min: -1.51   Med: 5.11   Max: 6.39
Current: -1.51

During the past 10 years, the highest EV-to-FCF of ESAF Small Finance Bank was 6.39. The lowest was -1.51. And the median was 5.11.

NSE:ESAFSFB's EV-to-FCF is ranked worse than
100% of 1194 companies
in the Banks industry
Industry Median: 6.725 vs NSE:ESAFSFB: -1.51

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-18), ESAF Small Finance Bank's stock price is ₹35.20. ESAF Small Finance Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-3.240. Therefore, ESAF Small Finance Bank's PE Ratio (TTM) for today is At Loss.


ESAF Small Finance Bank  (NSE:ESAFSFB) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

ESAF Small Finance Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=35.20/-3.240
=At Loss

ESAF Small Finance Bank's share price for today is ₹35.20.
ESAF Small Finance Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-3.240.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


ESAF Small Finance Bank EV-to-FCF Related Terms


ESAF Small Finance Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for ESAF Small Finance Bank's EV-to-FCF 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 EV-to-FCF Chart

ESAF Small Finance Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 4.24 0.23 -1.16

ESAF Small Finance Bank Quarterly Data
Sep19 Mar20 Sep20 Mar21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 0.23 0.00 0.00 0.00 -1.16

NSE:ESAFSFB vs PNC: EV-to-FCF Comparison

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

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

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


NSE:ESAFSFB
49GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ESAF Small Finance Bank EV-to-FCF Calculation

ESAF Small Finance Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=33950.572/0
=

ESAF Small Finance Bank's current Enterprise Value is ₹33,951 Mil.
ESAF Small Finance Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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 ₹35.20 is trading 5.8% above its estimated GF Value™ of ₹33.28. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • EV-to-FCF:
  • GF Value™: ₹33.28 vs. price of ₹35.20 (5.8% above fair value)
  • GF Score™: 49/100 with 6 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.
49GF Score

Get the complete analysis for NSE:ESAFSFB

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

₹35.20
Price
₹33.28
GF Value