ESAF Small Finance Bank (NSE:ESAFSFB) Growth Rank: 7 (As of Aug. 23, 2026) — 75% Above Median

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NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
46 GF Score
Price ₹43.94
GF Value ₹36.85
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ESAF Small Finance Bank Growth Rank?

ESAF Small Finance Bank NSE:ESAFSFB +1.55% 46 Growth Rank is 7 as of Aug. 23, 2026, which is 75% above its 10-year median of 4.00. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 46/100 and a GF Value™ of ₹36.85 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ESAF Small Finance Bank has the Growth Rank of 7.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

ESAF Small Finance Bank Growth Rank Related Terms

ESAF Small Finance Bank Growth Rank Competitor Comparison

For the Banks - Regional subindustry, ESAF Small Finance Bank's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Growth Rank distribution charts can be found below:

* The bar in red indicates where ESAF Small Finance Bank's Growth Rank falls into.


NSE:ESAFSFB
46GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 7 mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a Growth Rank of 7 as of Aug. 23, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on ESAF Small Finance Bank and its competitors. This is 75% above median its historical median of 4.00. Over the past decade, ESAF Small Finance Bank's Growth Rank has ranged from 2.00 to 8.00.
Is ESAF Small Finance Bank's Growth Rank too high?
ESAF Small Finance Bank's current Growth Rank of 7 is 75% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. Overall, ESAF Small Finance Bank has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Growth Rank compare to competitors?
ESAF Small Finance Bank's Growth Rank of 7 can be compared against companies in the Banks industry. Historically, ESAF Small Finance Bank's own Growth Rank has ranged from 2.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on ESAF Small Finance Bank and its competitors. ESAF Small Finance Bank's current Growth Rank is 7, which is 75% above median its own 10-year median of 4.00. 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 (NSE:ESAFSFB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.85, compared to a current price of ₹43.94 — trading 19.2% above its estimated fair value. The current Growth Rank is 7, which is 75% above median its 10-year median of 4.00. ESAF Small Finance Bank's overall GF Score™ is 46/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Growth Rank is 7 as of Aug. 23, 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 ₹43.94 is trading 19.2% above its estimated GF Value™ of ₹36.85. GuruFocus considers ESAF Small Finance Bank to be Modestly Overvalued.

Key valuation signals for NSE:ESAFSFB:

  • Growth Rank: 7 (75% above median its 10-year median of 4.00)
  • GF Value™: ₹36.85 vs. price of ₹43.94 (19.2% above fair value)
  • GF Score™: 46/100 with 4 warning signs

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 Business Description

Other Exchanges 544020:India
Address Thrissur-Palakkad National Highway, Building No.VII/83/8, ESAF Bhavan, Mannuthy, Thrissur, KL, IND, 680651
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.
46GF Score

Get the complete analysis for NSE:ESAFSFB

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹43.94
Price
₹36.85
GF Value