TickerKhojComparison · NSE · data 2026-11-03
ESAF Small Finance Bank Limited vs Suryoday Small Finance Bank Limited
In plain words
Size: ESAF Small Finance Bank Limited is about 1.5 times the market value of Suryoday Small Finance Bank Limited.
Valuation (P/E): ESAF Small Finance Bank Limited 7.7 vs Suryoday Small Finance Bank Limited 6.2.
Return on equity: Suryoday Small Finance Bank Limited 7.6% vs ESAF Small Finance Bank Limited -8.9%.
Debt to equity: ESAF Small Finance Bank Limited 2.83 vs Suryoday Small Finance Bank Limited 2.17.
Differences in the numbers, not a recommendation of either stock.
Side by side
| ESAFSFB | SURYODAY | |
|---|---|---|
| Price | ₹40.52 | ₹138.75 |
| Market cap | ₹2,190 cr | ₹1,434 cr |
| P/E | 7.7 | 6.2 |
| P/B | 1 | 0.7 |
| ROE | -8.9% | 7.6% |
| ROCE | -1.0% | 1.4% |
| Debt / equity | 2.83 | 2.17 |
| Operating margin | 11.5% | 18.5% |
| Dividend yield | 0.00% | 1.11% |
| Sales growth, 3 years (yearly) | 11.2% | 25.3% |
| Profit growth, 3 years (yearly) | — | 25.1% |
| 1-year return | 46.4% | -11.1% |
| Revenue, last 12 months | ₹5,094 cr | ₹2,916 cr |
| Net profit, last 12 months | ₹271 cr | ₹238 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹160 cr | ₹77 cr |
| Quarter profit vs a year earlier | — | +151.7% |
| Promoter holding | 63.23% | 22.48% |
| Health check | Average (5.9/10) | Average (6/10) |
Common questions
Which has a higher P/E, ESAF Small Finance Bank Limited or Suryoday Small Finance Bank Limited?
ESAF Small Finance Bank Limited trades at the higher P/E (7.7 against 6.2). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Suryoday Small Finance Bank Limited (7.6% against -8.9%).
Which carries more debt?
ESAF Small Finance Bank Limited has the higher debt-to-equity ratio (2.83 against 2.17).