ESAF Small Finance Bank P/B Ratio
ESAF Small Finance Bank (ESAFSFB) P/B ratio is 1.05 (Moderate), book value per share ₹37.84 vs Banks average P/B of 1.49 — Moderate - Reasonably valued relative to book value. Review ESAF Small Finance Bank price earnings to evaluate earnings-based valuation against sector peers.
Current Valuation Metrics
Book Value Breakdown (2025)
Valuation Signal
Sector Context
ESAFSFB P/B Ratio — Valuation Insights & Book Value Analysis
ESAF Small Finance Bank price-to-book ratio interpretation, valuation status and historical context — current P/B 1.05 (Moderate). View ESAF Small Finance Bank yearly highs lows for the annual high/low range and current price position.
- Trading at discount to sector average PB of 1.49
ESAF Small Finance Bank P/B Ratio Historical Trend
ESAFSFB annual price-to-book ratio — 3 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. For live price, earnings yield and the full fundamental profile, see ESAFSFB screener.
ESAFSFB Historical P/B Ratio — Book Value Per Share & Year-End Price
ESAF Small Finance Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| 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 |
ESAFSFB vs Banks Peers — P/B Ratio Comparison
ESAF Small Finance Bank P/B 1.05 vs Banks average 1.49, median 1.34 — range 0.77–3.77.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Bank of Baroda | BANKBARODA | 0.77 | ₹131,792 | Low |
| Central Bank of India | CENTRALBK | 0.78 | ₹28,964 | Low |
| Bank of India | BANKINDIA | 0.8 | ₹66,901 | Low |
| Karnataka Bank | KTKBANK | 0.81 | ₹10,410 | Low |
| Punjab National Bank | PNB | 0.87 | ₹128,445 | Low |
| Suryoday Small Finance B… | SURYODAY | 0.94 | ₹2,024 | Low |
| Capital Small Finance Ba… | CAPITALSFB | 0.95 | ₹1,365 | Low |
| Utkarsh Small Finance Ba… | UTKARSHBNK | 0.96 | ₹2,653 | Low |
| Union Bank of India | UNIONBANK | 0.97 | ₹134,298 | Low |
| DCB Bank | DCBBANK | 0.98 | ₹6,115 | Low |