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Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, ESAF Small Finance Bank's Net Debt Paydown Yield % was -35.84%.
ESAF Small Finance Bank (NSE:ESAFSFB) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
ESAF Small Finance Bank Net Debt Paydown Yield % Related Terms
ESAF Small Finance Bank Net Debt Paydown Yield % Historical Data
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The historical data trend for ESAF Small Finance Bank's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
NSE:ESAFSFB vs PNC: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -35.84% mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a Net Debt Paydown Yield % of -35.84% as of Jul. 13, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #1270 out of 1421 companies in the Banks industry, placing it in the top 89.4%.
Is ESAF Small Finance Bank's Net Debt Paydown Yield % too high?
ESAF Small Finance Bank's current Net Debt Paydown Yield % is -35.84%. Based on the distribution chart, ESAF Small Finance Bank ranks #1270 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ESAF Small Finance Bank has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Net Debt Paydown Yield % compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1270 out of 1421 companies for Net Debt Paydown Yield %. This places ESAF Small Finance Bank in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on ESAF Small Finance Bank and its competitors. ESAF Small Finance Bank's current Net Debt Paydown Yield % is -35.84%. 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 ₹33.19, compared to a current price of ₹35.73 — trading 7.7% above its estimated fair value. The current Net Debt Paydown Yield % is -35.84%. ESAF Small Finance Bank's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Net Debt Paydown Yield % is -35.84% as of Jul. 13, 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 ₹35.73 is trading 7.7% above its estimated GF Value™ of ₹33.19.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
Net Debt Paydown Yield %: -35.84%
GF Value™: ₹33.19 vs. price of ₹35.73 (7.7% 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.
56GF Score
Get the complete analysis for NSE:ESAFSFB
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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