ESAF Small Finance Bank (NSE:ESAFSFB) ROCE %: % (As of Mar. 2026)


NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
50 GF Score
Price ₹32.94
GF Value ₹33.09
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank ROCE %?

ESAF Small Finance Bank NSE:ESAFSFB +0.21% 50 ROCE % is % as of Mar. 2026. GuruFocus rates NSE:ESAFSFB with a GF Score™ of 50/100 and a GF Value™ of ₹33.09 (Fairly Valued). The stock has 6 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

NSE:ESAFSFB
50GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
ESAF Small Finance Bank (NSE:ESAFSFB) has a ROCE % of % as of Mar. 2026.
Is ESAF Small Finance Bank's ROCE % too high?
ESAF Small Finance Bank's current ROCE % is %. 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 ROCE % compare to PNC?
ESAF Small Finance Bank's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current ROCE % 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 ₹33.09, compared to a current price of ₹32.94 — trading 0.5% below its estimated fair value. The current ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current ROCE % 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 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:

  • ROCE %: %
  • GF Value™: ₹33.09 vs. price of ₹32.94 (0.5% below fair value)
  • GF Score™: 50/100 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.
50GF Score

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

₹32.94
Price
₹33.09
GF Value