The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, ESAF Small Finance Bank's share price is ₹34.49.
ESAF Small Finance Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹48.60. Hence, ESAF Small Finance Bank's PS Ratio for today is 0.71.
Warning Sign:
ESAF Small Finance Bank Ltd stock PS Ratio (=0.7) is close to 1-year high of 0.75.
The historical rank and industry rank for ESAF Small Finance Bank's PS Ratio or its related term are showing as below:
NSE:ESAFSFB'
s PS Ratio Range Over the Past 10 Years
Min: 0.46 Med: 0.69 Max: 1.51
Current: 0.71
During the past 10 years, ESAF Small Finance Bank's highest PS Ratio was 1.51. The lowest was 0.46. And the median was 0.69.
NSE:ESAFSFB's PS Ratio is ranked better than 95.59% of 1519
companies
in the Banks industry
Industry Median: 3.02
vs NSE:ESAFSFB: 0.71
During the past 10 years, ESAF Small Finance Bank's highest 3-Year average Revenue per Share Growth Rate was 206.50% per year. The lowest was 6.90% per year. And the median was 30.50% per year.
Back to Basics: PS Ratio
ESAF Small Finance Bank (NSE:ESAFSFB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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.
For the Banks - Regional subindustry, ESAF Small Finance Bank's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
ESAF Small Finance Bank's Share Price of today is ₹34.49. ESAF Small Finance Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹48.60.
* 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.
It can also be calculated from the numbers for the whole company:
ESAF Small Finance Bank (NSE:ESAFSFB) has a PS Ratio of 0.71 as of Jul. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ESAF Small Finance Bank and its competitors. This is near median its historical median of 0.69. Over the past decade, ESAF Small Finance Bank's PS Ratio has ranged from 0.46 to 1.51. According to the industry distribution chart, ESAF Small Finance Bank ranks #67 out of 1519 companies in the Banks industry, placing it in the top 4.4%.
Is ESAF Small Finance Bank's PS Ratio too high?
ESAF Small Finance Bank's current PS Ratio of 0.71 is near median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 1.51. The Banks industry median PS Ratio is 3.02. ESAF Small Finance Bank's value of 0.71 is 76.5% below this industry median. Based on the distribution chart, ESAF Small Finance Bank ranks #67 out of 1519 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 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's PS Ratio compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #67 out of 1519 companies for PS Ratio. This places ESAF Small Finance Bank in the top 4% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.02. ESAF Small Finance Bank's value of 0.71 is 76.5% below this benchmark. Historically, ESAF Small Finance Bank's own PS Ratio has ranged from 0.46 to 1.51 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 3.02, ESAF Small Finance Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.02, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ESAF Small Finance Bank's current PS Ratio of 0.71 is 76.5% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median PS Ratio is 3.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current PS Ratio is 0.71, which is near median its own 10-year median of 0.69. 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 ₹33.15, compared to a current price of ₹34.49 — trading 4% above its estimated fair value. The current PS Ratio is 0.71, which is near median its 10-year median of 0.69 and 76.5% below the Banks industry median of 3.02. ESAF Small Finance Bank's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current PS Ratio is 0.71 as of Jul. 07, 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 ₹34.49 is trading 4% above its estimated GF Value™ of ₹33.15.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
PS Ratio: 0.71 (near median its 10-year median of 0.69)
GF Value™: ₹33.15 vs. price of ₹34.49 (4% above fair value)
Industry Position: 76.5% below the Banks median (#67 of 1519)
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.
57GF Score
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