ESAF Small Finance Bank (BOM:544020) Moat Score: 0/10 (As of Aug. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:544020 ESAF Small Finance Bank Ltd BOM:544020
49 GF Score
Price ₹41.79
GF Value ₹36.65
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is ESAF Small Finance Bank Moat Score?

ESAF Small Finance Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

ESAF Small Finance Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ESAF Small Finance Bank might have No Moat - No discernible moat.

ESAF Small Finance Bank  (BOM:544020) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ESAF Small Finance Bank Moat Score Related Terms

BOM:544020
49GF Score
ESAF Small Finance Bank Ltd BOM:544020
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is ESAF Small Finance Bank (BOM:544020) Overvalued in 2026?

Based on GuruFocus' analysis, ESAF Small Finance Bank stock appears to be overvalued. The current stock price of ₹41.79 is trading 14% above its estimated GF Value™ of ₹36.65. GuruFocus considers ESAF Small Finance Bank to be Modestly Overvalued.

Key valuation signals for BOM:544020:

  • Moat Score: 0
  • GF Value™: ₹36.65 vs. price of ₹41.79 (14% above fair value)
  • GF Score™: 49/100 with 4 warning signs

No single metric tells the full story. See the BOM:544020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ESAF Small Finance Bank Business Description

Other Exchanges ESAFSFB: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 BOM:544020

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

₹41.79
Price
₹36.65
GF Value