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The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. ESAF Small Finance Bank's Dividend Payout Ratio for the
months ended in Jun. 2026 was 0.00.
The historical rank and industry rank for ESAF Small Finance Bank's Dividend Payout Ratio or its related term are showing as below:
BOM:544020's Dividend Payout Ratio is not ranked *
in the Banks industry.
Industry Median: 0.32 * Ranked among companies with meaningful Dividend Payout Ratio only.
During the past 10 years, the highest Trailing Annual Dividend Yield of ESAF Small Finance Bank was 2.85%. The lowest was 0.00%. And the median was 2.22%.
ESAF Small Finance Bank (BOM:544020) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
ESAF Small Finance Bank Dividend Payout Ratio Related Terms
ESAF Small Finance Bank Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for ESAF Small Finance Bank's Dividend Payout Ratio 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 Dividend Payout Ratio Chart
ESAF Small Finance Bank Dividend Payout Ratio Competitor Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's Dividend Payout Ratio falls into.
ESAF Small Finance Bank Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
ESAF Small Finance Bank's Dividend Payout Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Dividend Payout Ratio of 0.00 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1171 companies in the Banks industry.
Is ESAF Small Finance Bank's Dividend Payout Ratio too high?
ESAF Small Finance Bank's current Dividend Payout Ratio is 0.00. Based on the distribution chart, ESAF Small Finance Bank ranks #999999 out of 1171 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 Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1171 companies for Dividend Payout Ratio. This places ESAF Small Finance Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,171 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current Dividend Payout Ratio 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 Dividend Payout Ratio 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For ESAF Small Finance Bank (BOM:544020), the current Dividend Payout Ratio 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:
Dividend Payout Ratio: 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
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