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The historical rank and industry rank for ESAF Small Finance Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 10 years, ESAF Small Finance Bank's highest Yield on Cost was 2.85. The lowest was 1.49. And the median was 2.22.
NSE:ESAFSFB's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.86 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESAF Small Finance Bank (NSE:ESAFSFB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
ESAF Small Finance Bank 5-Year Yield-on-Cost % Related Terms
NSE:ESAFSFB vs PNC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, ESAF Small Finance Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, ESAF Small Finance Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where ESAF Small Finance Bank's 5-Year Yield-on-Cost % falls into.
ESAF Small Finance Bank 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
ESAF Small Finance Bank (NSE:ESAFSFB) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ESAF Small Finance Bank and its competitors. Over the past decade, ESAF Small Finance Bank's 5-Year Yield-on-Cost % has ranged from 1.49 to 2.85. According to the industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1255 companies in the Banks industry.
Is ESAF Small Finance Bank's 5-Year Yield-on-Cost % too high?
ESAF Small Finance Bank's current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 1.49 to a high of 2.85. Based on the distribution chart, ESAF Small Finance Bank ranks #999999 out of 1255 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 5-Year Yield-on-Cost % compare to PNC?
According to the Banks industry distribution chart, ESAF Small Finance Bank ranks #999999 out of 1255 companies for 5-Year Yield-on-Cost %. This places ESAF Small Finance Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. Historically, ESAF Small Finance Bank's own 5-Year Yield-on-Cost % has ranged from 1.49 to 2.85 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ESAF Small Finance Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ESAF Small Finance Bank's current 5-Year Yield-on-Cost % is 0.00. 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 ₹33.23, compared to a current price of ₹35.20 — trading 5.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For ESAF Small Finance Bank (NSE:ESAFSFB), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 20, 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 ₹35.20 is trading 5.9% above its estimated GF Value™ of ₹33.23.
GuruFocus considers ESAF Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:ESAFSFB:
5-Year Yield-on-Cost %: 0.00
GF Value™: ₹33.23 vs. price of ₹35.20 (5.9% above fair value)
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.
49GF Score
Get the complete analysis for NSE:ESAFSFB
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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