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ESAF Small Finance Bank P/B Ratio

Current P/B Ratio
1.16
Moderate Valuation
Moderate - Reasonably valued relative to book value

ESAF Small Finance Bank (ESAFSFB) P/B ratio is 1.16 (Moderate), book value per share ₹34.63 vs Banks average P/B of 1.44 — Moderate - Reasonably valued relative to book value. For live price, earnings yield and the full fundamental profile, see ESAFSFB screener.

Current Valuation Metrics

P/B Ratio 1.16
Current Price ₹40.27
Book Value/Share ₹34.63
Exchange NSE

Book Value Breakdown (2026)

Balance Sheet Components
Total Equity ₹1,787 Cr
Share Capital ₹516 Cr
Reserves & Surplus ₹1,271 Cr
Outstanding Shares 516,000,000
Book Value per Share ₹34.63

Valuation Signal

Signal Fairly Valued
Historical Avg 1.13
Historical Range 0.7 - 1.8
Percentile 50.0%

Sector Context

Sector Average 1.44
Sector Median 1.33
Sector Rank #11 of 40
Sector Percentile 27.5%

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 1.16 (Moderate). Read ESAFSFB dividend track record for the complete payout history and dividend yield track record.

  • Trading at discount to sector average PB of 1.44

ESAF Small Finance Bank P/B Ratio Historical Trend

ESAFSFB annual price-to-book ratio — 4 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Explore ESAFSFB intrinsic value to estimate fundamental worth using multiple valuation models.

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
2026 1.16 ₹34.63 ₹40.27 ₹1,787 Moderate
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 1.16 vs Banks average 1.44, median 1.33 — range 0.73–4.05.

Sector Average
1.44
Sector Median
1.33
Lowest P/B
0.73
Highest P/B
4.05
Companies
40
Company Symbol P/B Ratio Market Cap (₹ Cr) Valuation
Bank of Baroda BANKBARODA 0.73 ₹123,146 Low
Central Bank of India CENTRALBK 0.75 ₹27,824 Low
Suryoday Small Finance B… SURYODAY 0.77 ₹1,539 Low
Bank of India BANKINDIA 0.78 ₹63,737 Low
Capital Small Finance Ba… CAPITALSFB 0.83 ₹1,225 Low
Dhanlaxmi Bank DHANBANK 0.9 ₹1,229 Low
Punjab National Bank PNB 0.92 ₹134,180 Low
Utkarsh Small Finance Ba… UTKARSHBNK 0.95 ₹2,527 Low
Canara Bank CANBK 0.96 ₹112,476 Low
Karnataka Bank KTKBANK 1.0 ₹12,305 Moderate