ESAF Small Finance Bank (BOM:544020) ROC %: % (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:544020 ESAF Small Finance Bank Ltd BOM:544020
49 GF Score
Price ₹41.79
GF Value ₹36.65
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is ESAF Small Finance Bank ROC %?

ESAF Small Finance Bank BOM:544020 -0.59% 49 ROC % is % as of Jun. 2026. GuruFocus rates BOM:544020 with a GF Score™ of 49/100 and a GF Value™ of ₹36.65 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ROC %does not apply to banks.

BOM:544020
49GF Score
ESAF Small Finance Bank Ltd BOM:544020
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
ESAF Small Finance Bank (BOM:544020) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on ESAF Small Finance Bank and its competitors.
Is ESAF Small Finance Bank's ROC % too high?
ESAF Small Finance Bank's current ROC % is %. Overall, ESAF Small Finance Bank has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ESAF Small Finance Bank's ROC % compare to competitors?
ESAF Small Finance Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current ROC % 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 (BOM:544020) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.65, compared to a current price of ₹41.79 — trading 14% above its estimated fair value. The current ROC % is %. ESAF Small Finance Bank's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For ESAF Small Finance Bank (BOM:544020), the current ROC % is % as of Jun. 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 (BOM:544020) Overvalued in 2026?

Based on GuruFocus' analysis, ESAF Small Finance Bank stock appears to be overvalued. The current stock price of ₹41.79 is trading 14% above its estimated GF Value™ of ₹36.65. GuruFocus considers ESAF Small Finance Bank to be Modestly Overvalued.

Key valuation signals for BOM:544020:

  • ROC %: %
  • GF Value™: ₹36.65 vs. price of ₹41.79 (14% above fair value)
  • GF Score™: 49/100 with 4 warning signs

No single metric tells the full story. See the BOM:544020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ESAF Small Finance Bank Business Description

Other Exchanges ESAFSFB: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

Get the complete analysis for BOM:544020

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

₹41.79
Price
₹36.65
GF Value