ESAF Small Finance Bank P/B Ratio
ESAFSFB • Price-to-Book ratio analysis and book value breakdown
Current P/B Ratio
0.7
Low Valuation
Low - Trading below book value, may indicate undervaluation
Current Valuation Metrics
P/B Ratio
0.7
Current Price
₹23.23
Book Value/Share
₹37.84
Exchange
NSE
Book Value Breakdown (2025)
Balance Sheet Components
Total Equity
₹1,949 Cr
Share Capital
₹515 Cr
Reserves & Surplus
₹1,434 Cr
Outstanding Shares
515,000,000
Book Value per Share
₹37.84
Valuation Signal
Signal
Undervalued
Historical Avg
1.12
Historical Range
0.7 - 1.8
Percentile
0.0%
Sector Context
Sector Average
1.32
Sector Median
1.1
Sector Rank
#3 of 40
Sector Percentile
7.5%
Key P/B Ratio Insights for ESAF Small Finance Bank
- Stock appears undervalued with PB of 0.7, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Current PB is 37.7% below historical average
- Trading at discount to sector average PB of 1.32
P/B Ratio Historical Trend for ESAF Small Finance Bank
Historical P/B ratio trend based on balance sheet data. P/B below 1.0 may indicate undervaluation, while higher ratios suggest growth expectations or asset-light business models.
Related Pages for ESAF Small Finance Bank
Additional stock information and data for ESAFSFB
Historical P/B Ratio Data
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2025 | 0.7 | ₹37.84 | ₹26.65 | ₹1,949 | Low |
| 2024 | 0.87 | ₹48.39 | ₹42.02 | ₹2,492 | Low |
| 2023 | 1.8 | ₹38.11 | ₹68.70 | ₹1,715 | Moderate |
Sector P/B Ratio Comparison
Comparing ESAF Small Finance Bank with other companies in Banks sector
Sector Average
1.32
Sector Median
1.1
Lowest P/B
0.62
Highest P/B
3.6
Companies
40
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Utkarsh Small Finance Ba… | UTKARSHBNK | 0.62 | ₹2,086 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.67 | ₹1,338 | Low |
| Dhanlaxmi Bank | DHANBANK | 0.71 | ₹888 | Low |
| Karnataka Bank | KTKBANK | 0.72 | ₹8,603 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.75 | ₹1,085 | Low |
| Bank of Baroda | BANKBARODA | 0.79 | ₹129,057 | Low |
| Bank of India | BANKINDIA | 0.81 | ₹64,630 | Low |
| Central Bank of India | CENTRALBK | 0.84 | ₹30,132 | Low |
| Punjab National Bank | PNB | 0.85 | ₹120,078 | Low |
| South Indian Bank | SOUTHBANK | 0.87 | ₹9,640 | Low |