ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. 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 Assets over the quarter that ended in Mar. 2026 was ₹308,680 Mil. Therefore, ESAF Small Finance Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.30%.
The historical rank and industry rank for ESAF Small Finance Bank's ROA % or its related term are showing as below:
NSE:ESAFSFB'
s ROA % 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 ROA % was 2.30%. The lowest was -1.96%. And the median was 0.84%.
NSE:ESAFSFB's ROA % is ranked worse than 97.12% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs NSE:ESAFSFB: -0.59
ESAF Small Finance Bank (NSE:ESAFSFB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's ROA % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
ESAF Small Finance Bank (NSE:ESAFSFB) has a ROA % of 0.30% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 #1485 out of 1529 companies in the Banks industry, placing it in the top 97.1%.
Is ESAF Small Finance Bank's ROA % too high?
ESAF Small Finance Bank's current ROA % of 0.30% is 64% below median its 10-year median of 0.84. The Banks industry median ROA % is 0.98. ESAF Small Finance Bank's value of 0.30% is 69.4% below this industry median. Based on the distribution chart, ESAF Small Finance Bank ranks #1485 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ESAF Small Finance Bank has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's ROA % compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1485 out of 1529 companies for ROA %. This places ESAF Small Finance Bank in the lower half of its industry. The industry median ROA % is 0.98. ESAF Small Finance Bank's value of 0.30% is 69.4% below this benchmark. While the company's 10-year median is 0.84 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ESAF Small Finance Bank's current ROA % of 0.30% is 69.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current ROA % 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 ₹33.09, compared to a current price of ₹32.94 — trading 0.5% below its estimated fair value. The current ROA % is 0.30%, which is 64% below median its 10-year median of 0.84 and 69.4% below the Banks industry median of 0.98. ESAF Small Finance Bank's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current ROA % 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 undervalued.
The current stock price of ₹32.94 is trading 0.5% below its estimated GF Value™ of ₹33.09.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
ROA %: 0.30% (64% below median its 10-year median of 0.84)
GF Value™: ₹33.09 vs. price of ₹32.94 (0.5% below fair value)
Industry Position: 69.4% below the Banks median (#1485 of 1529)
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.
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