The historical rank and industry rank for ESAF Small Finance Bank's ROE % or its related term are showing as below:
NSE:ESAFSFB'
s ROE % Range Over the Past 10 Years
Min: -23.48 Med: 8.49 Max: 20.23
Current: -9.09
During the past 10 years, ESAF Small Finance Bank's highest ROE % was 20.23%. The lowest was -23.48%. And the median was 8.49%.
NSE:ESAFSFB's ROE % is ranked worse than 97.83% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs NSE:ESAFSFB: -9.09
ESAF Small Finance Bank (NSE:ESAFSFB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's ROE % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
ESAF Small Finance Bank (NSE:ESAFSFB) has a ROE % of 5.26% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ESAF Small Finance Bank and its competitors. This is 38% below median its historical median of 8.49. According to the industry distribution chart, ESAF Small Finance Bank ranks #1491 out of 1524 companies in the Banks industry, placing it in the top 97.8%.
Is ESAF Small Finance Bank's ROE % too high?
ESAF Small Finance Bank's current ROE % of 5.26% is 38% below median its 10-year median of 8.49. The Banks industry median ROE % is 10.22. ESAF Small Finance Bank's value of 5.26% is 48.5% below this industry median. Based on the distribution chart, ESAF Small Finance Bank ranks #1491 out of 1524 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 ROE % compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #1491 out of 1524 companies for ROE %. This places ESAF Small Finance Bank in the lower half of its industry. The industry median ROE % is 10.22. ESAF Small Finance Bank's value of 5.26% is 48.5% below this benchmark. While the company's 10-year median is 8.49 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ESAF Small Finance Bank's current ROE % of 5.26% is 48.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current ROE % is 5.26%, which is 38% below median its own 10-year median of 8.49. 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 ROE % is 5.26%, which is 38% below median its 10-year median of 8.49 and 48.5% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current ROE % is 5.26% 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:
ROE %: 5.26% (38% below median its 10-year median of 8.49)
GF Value™: ₹33.09 vs. price of ₹32.94 (0.5% below fair value)
Industry Position: 48.5% below the Banks median (#1491 of 1524)
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.
50GF Score
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