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.
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.
* 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 OCF Margin % Competitor Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's OCF Margin % 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.
ESAF Small Finance Bank (BOM:544020) has a OCF Margin % of 0.00% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #1341 out of 1498 companies in the Banks industry, placing it in the top 89.5%.
Is ESAF Small Finance Bank's OCF Margin % too high?
ESAF Small Finance Bank's current OCF Margin % is 0.00%. Based on the distribution chart, ESAF Small Finance Bank ranks #1341 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ESAF Small Finance Bank has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1341 out of 1498 companies for OCF Margin %. This places ESAF Small Finance Bank in the lower half of its industry. The industry median OCF Margin % is 29.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.55, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current OCF Margin % is 0.00%. 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 (BOM:544020) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.65, compared to a current price of ₹41.79 — trading 14% above its estimated fair value. The current OCF Margin % is 0.00%. ESAF Small Finance Bank's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For ESAF Small Finance Bank (BOM:544020), the current OCF Margin % is 0.00% as of Jun. 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 (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:
OCF Margin %: 0.00%
GF Value™: ₹36.65 vs. price of ₹41.79 (14% above fair value)
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 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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:544020 has been successfully added to your 
