ESAF Small Finance Bank (NSE:ESAFSFB) Scaled Net Operating Assets: N/A (As of Mar. 2026)


NSE:ESAFSFB ESAF Small Finance Bank Ltd NSE:ESAFSFB
50 GF Score
Price ₹33.50
GF Value ₹33.12
Valuation Fairly Valued
! 6 Warning Signs
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What is ESAF Small Finance Bank Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ESAF Small Finance Bank's operating assets for the quarter that ended in Mar. 2026 was ₹296,935 Mil. ESAF Small Finance Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₹263,287 Mil. ESAF Small Finance Bank's Total Assets for the quarter that ended in Dec. 2025 was ₹0 Mil. Therefore, ESAF Small Finance Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was N/A.

NSE:ESAFSFB
50GF Score
ESAF Small Finance Bank Ltd NSE:ESAFSFB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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ESAF Small Finance Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ESAF Small Finance Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(296934.5-263287.1)/271782.894
=0.12

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=308679.8 - 11745.3
=296934.5

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=290814.5 - 27527.4 - 0
=263287.1

ESAF Small Finance Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(296934.5-263287.1)/0
=N/A

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=308679.8 - 11745.3
=296934.5

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=290814.5 - 27527.4 - 0
=263287.1

* 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.

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 ₹33.50 is trading 1.1% above its estimated GF Value™ of ₹33.12. GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.

Key valuation signals for NSE:ESAFSFB:

  • Scaled Net Operating Assets: N/A
  • GF Value™: ₹33.12 vs. price of ₹33.50 (1.1% above 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹33.50
Price
₹33.12
GF Value