ESAF Small Finance Bank (NSE:ESAFSFB) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)


NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
57 GF Score
Price ₹34.15
GF Value ₹33.34
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank LT-Debt-to-Total-Asset?

ESAF Small Finance Bank NSE:ESAFSFB +1.70% 57 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 57/100 and a GF Value™ of ₹33.34 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ESAF Small Finance Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

ESAF Small Finance Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.05) to Mar. 2026 (0.09). It may suggest that ESAF Small Finance Bank is progressively becoming more dependent on debt to grow their business.

ESAF Small Finance Bank  (NSE:ESAFSFB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ESAF Small Finance Bank LT-Debt-to-Total-Asset Related Terms

ESAF Small Finance Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for ESAF Small Finance Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

ESAF Small Finance Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.13 0.10 0.05 0.09

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
LT-Debt-to-Total-Asset 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 0.05 0.00 0.08 0.00 0.09
NSE:ESAFSFB
57GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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ESAF Small Finance Bank LT-Debt-to-Total-Asset Calculation

ESAF Small Finance Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=27527.4/308679.8
=0.09

ESAF Small Finance Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=27527.4/308679.8
=0.09

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.09 mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ESAF Small Finance Bank and its competitors.
Is ESAF Small Finance Bank's LT-Debt-to-Total-Asset too high?
ESAF Small Finance Bank's current LT-Debt-to-Total-Asset is 0.09. Overall, ESAF Small Finance Bank has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's LT-Debt-to-Total-Asset compare to PNC?
ESAF Small Finance Bank's LT-Debt-to-Total-Asset of 0.09 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ESAF Small Finance Bank and its competitors. ESAF Small Finance Bank's current LT-Debt-to-Total-Asset is 0.09. 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 ₹33.34, compared to a current price of ₹34.15 — trading 2.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. ESAF Small Finance Bank's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current LT-Debt-to-Total-Asset is 0.09 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 ₹34.15 is trading 2.4% above its estimated GF Value™ of ₹33.34. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • LT-Debt-to-Total-Asset: 0.09
  • GF Value™: ₹33.34 vs. price of ₹34.15 (2.4% above fair value)
  • GF Score™: 57/100 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.
57GF Score

Get the complete analysis for NSE:ESAFSFB

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

₹34.15
Price
₹33.34
GF Value