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ESAF Small Finance Bank P/B Ratio

Current P/B Ratio
0.84
Low Valuation
Low - Trading below book value, may indicate undervaluation

ESAF Small Finance Bank (ESAFSFB) P/B ratio is 0.84 (Low), book value per share ₹37.84 vs Banks average P/B of 1.39 — Low - Trading below book value, may indicate undervaluation. Compare with ESAFSFB fair price to assess whether the stock is under or overvalued.

Current Valuation Metrics

P/B Ratio 0.84
Current Price ₹28.89
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 33.3%

Sector Context

Sector Average 1.39
Sector Median 1.27
Sector Rank #7 of 40
Sector Percentile 17.5%

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 0.84 (Low). View ESAF Small Finance Bank yearly highs lows for the annual high/low range and current price position.

  • Stock appears undervalued with PB of 0.84, trading below book value
  • Trading below book value - potential value opportunity or financial distress signal
  • Current PB is 25.2% below historical average
  • Trading at discount to sector average PB of 1.39

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 0.84 vs Banks average 1.39, median 1.27 — range 0.78–3.79.

Sector Average
1.39
Sector Median
1.27
Lowest P/B
0.78
Highest P/B
3.79
Companies
40
Company Symbol P/B Ratio Market Cap (₹ Cr) Valuation
Bank of India BANKINDIA 0.78 ₹66,474 Low
Karnataka Bank KTKBANK 0.79 ₹9,993 Low
Central Bank of India CENTRALBK 0.81 ₹28,304 Low
Punjab National Bank PNB 0.83 ₹122,124 Low
Bank of Baroda BANKBARODA 0.83 ₹140,790 Low
Suryoday Small Finance B… SURYODAY 0.83 ₹1,717 Low
Capital Small Finance Ba… CAPITALSFB 0.87 ₹1,281 Low
Utkarsh Small Finance Ba… UTKARSHBNK 0.88 ₹2,402 Low
South Indian Bank SOUTHBANK 0.93 ₹10,732 Low
DCB Bank DCBBANK 0.93 ₹5,875 Low