ESAF Small Finance Bank (NSE:ESAFSFB) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
49 GF Score
Price ₹35.04
GF Value ₹33.20
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank ROC (Joel Greenblatt) %?

ESAF Small Finance Bank NSE:ESAFSFB -1.10% 49 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 49/100 and a GF Value™ of ₹33.20 (Fairly Valued). The stock has 6 warning signs investors should review. Among 46 Banks companies, ESAF Small Finance Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSE:ESAFSFB
49GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ESAF Small Finance Bank and its competitors. According to the industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 46 companies in the Banks industry.
Is ESAF Small Finance Bank's ROC (Joel Greenblatt) % too high?
ESAF Small Finance Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, ESAF Small Finance Bank ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places ESAF Small Finance Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current ROC (Joel Greenblatt) % is %. 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 ₹33.20, compared to a current price of ₹35.04 — trading 5.5% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current ROC (Joel Greenblatt) % is % 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 ₹35.04 is trading 5.5% above its estimated GF Value™ of ₹33.20. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₹33.20 vs. price of ₹35.04 (5.5% above fair value)
  • GF Score™: 49/100 with 6 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.
49GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹35.04
Price
₹33.20
GF Value