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ESAF Small Finance BankNSE:ESAFSFB -2.38%49 Return-on-Tangible-Asset is 0.30% as of Mar. 2026, which is 64% below its 10-year median of 0.84. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 49/100 and a GF Value™ of ₹33.23 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, ESAF Small Finance Bank ranks worse than 97.05% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. ESAF Small Finance Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹940 Mil. ESAF Small Finance Bank's average total tangible assets for the quarter that ended in Mar. 2026 was ₹308,680 Mil. Therefore, ESAF Small Finance Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.30%.
The historical rank and industry rank for ESAF Small Finance Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:ESAFSFB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.96 Med: 0.84 Max: 2.3
Current: -0.59
During the past 10 years, ESAF Small Finance Bank's highest Return-on-Tangible-Asset was 2.30%. The lowest was -1.96%. And the median was 0.84%.
NSE:ESAFSFB's Return-on-Tangible-Asset is ranked worse than 97.05% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs NSE:ESAFSFB: -0.59
ESAF Small Finance Bank (NSE:ESAFSFB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
ESAF Small Finance Bank Return-on-Tangible-Asset Related Terms
ESAF Small Finance Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for ESAF Small Finance Bank's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
NSE:ESAFSFB vs PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.30% mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a Return-on-Tangible-Asset of 0.30% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on ESAF Small Finance Bank and its competitors. This is 64% below median its historical median of 0.84. According to the industry distribution chart, ESAF Small Finance Bank ranks #1482 out of 1527 companies in the Banks industry, placing it in the top 97.1%.
Is ESAF Small Finance Bank's Return-on-Tangible-Asset too high?
ESAF Small Finance Bank's current Return-on-Tangible-Asset of 0.30% is 64% below median its 10-year median of 0.84. The Banks industry median Return-on-Tangible-Asset is 0.99. ESAF Small Finance Bank's value of 0.30% is 69.7% below this industry median. Based on the distribution chart, ESAF Small Finance Bank ranks #1482 out of 1527 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's Return-on-Tangible-Asset compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1482 out of 1527 companies for Return-on-Tangible-Asset. This places ESAF Small Finance Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. ESAF Small Finance Bank's value of 0.30% is 69.7% below this benchmark. While the company's 10-year median is 0.84 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ESAF Small Finance Bank's current Return-on-Tangible-Asset of 0.30% is 69.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current Return-on-Tangible-Asset is 0.30%, which is 64% below median its own 10-year median of 0.84. 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 ₹33.23, compared to a current price of ₹35.20 — trading 5.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.30%, which is 64% below median its 10-year median of 0.84 and 69.7% below the Banks industry median of 0.99. ESAF Small Finance Bank's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current Return-on-Tangible-Asset is 0.30% as of Mar. 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 ₹35.20 is trading 5.9% above its estimated GF Value™ of ₹33.23.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
Return-on-Tangible-Asset: 0.30% (64% below median its 10-year median of 0.84)
GF Value™: ₹33.23 vs. price of ₹35.20 (5.9% above fair value)
Industry Position: 69.7% below the Banks median (#1482 of 1527)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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