ESAF Small Finance Bank (NSE:ESAFSFB) Margin of Safety % (DCF Earnings Based): N/A (As of Jun. 26, 2026)


NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
50 GF Score
Price ₹32.94
GF Value ₹33.09
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

ESAF Small Finance Bank's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

NSE:ESAFSFB vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, ESAF Small Finance Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where ESAF Small Finance Bank's Margin of Safety % (DCF Earnings Based) falls into.


NSE:ESAFSFB
50GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is ESAF Small Finance Bank (NSE:ESAFSFB) Overvalued in 2026?

Based on GuruFocus' analysis, ESAF Small Finance Bank stock appears to be undervalued. The current stock price of ₹32.94 is trading 0.5% below its estimated GF Value™ of ₹33.09. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: ₹33.09 vs. price of ₹32.94 (0.5% below fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for NSE:ESAFSFB

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹32.94
Price
₹33.09
GF Value