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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-13), ESAF Small Finance Bank's 3-1 Month Momentum % is 24.89%.
The industry rank for ESAF Small Finance Bank's 3-1 Month Momentum % or its related term are showing as below:
NSE:ESAFSFB's 3-1 Month Momentum % is ranked better than 95.83% of 1581
companies
in the Banks industry
Industry Median: 4.25
vs NSE:ESAFSFB: 24.89
ESAF Small Finance Bank (NSE:ESAFSFB) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
ESAF Small Finance Bank 3-1 Month Momentum % Related Terms
ESAF Small Finance Bank 3-1 Month Momentum % Competitor Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's 3-1 Month Momentum % falls into.
ESAF Small Finance Bank (NSE:ESAFSFB) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 (NSE:ESAFSFB) has a 3-1 Month Momentum % of 24.89% as of Aug. 13, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #66 out of 1581 companies in the Banks industry, placing it in the top 4.2%.
Is ESAF Small Finance Bank's 3-1 Month Momentum % too high?
ESAF Small Finance Bank's current 3-1 Month Momentum % is 24.89%. The Banks industry median 3-1 Month Momentum % is 4.25. ESAF Small Finance Bank's value of 24.89% is 485.6% above this industry median. Based on the distribution chart, ESAF Small Finance Bank ranks #66 out of 1581 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, ESAF Small Finance Bank has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's 3-1 Month Momentum % compare to competitors?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #66 out of 1581 companies for 3-1 Month Momentum %. This places ESAF Small Finance Bank in the top 4% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 4.25. ESAF Small Finance Bank's value of 24.89% is 485.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 4.25, based on 1,581 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ESAF Small Finance Bank's current 3-1 Month Momentum % of 24.89% is 485.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 4.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current 3-1 Month Momentum % is 24.89%. 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 ₹36.70, compared to a current price of ₹39.83 — trading 8.5% above its estimated fair value. The current 3-1 Month Momentum % is 24.89% and 485.6% above the Banks industry median of 4.25. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current 3-1 Month Momentum % is 24.89% as of Aug. 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 ₹39.83 is trading 8.5% above its estimated GF Value™ of ₹36.70.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
3-1 Month Momentum %: 24.89%
GF Value™: ₹36.70 vs. price of ₹39.83 (8.5% above fair value)
Industry Position: 485.6% above the Banks median (#66 of 1581)
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.
49GF Score
Get the complete analysis for NSE:ESAFSFB
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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