Share Price and Basic Stock Data
Last Updated: January 3, 2026, 11:17 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Equitas Small Finance Bank Ltd reported a significant growth trajectory in its revenue, which stood at ₹4,162 Cr for the fiscal year ending March 2023, marking an increase from ₹3,460 Cr in the previous year. The quarterly revenue figures further illustrate this upward trend, with the most recent quarter (September 2023) recording ₹1,359 Cr, up from ₹1,254 Cr in June 2023. This consistent revenue growth is indicative of the bank’s expanding customer base and increasing loan disbursements, bolstered by a growing deposit base that reached ₹43,107 Cr by March 2025. The bank’s ability to generate interest income also saw an upward movement, with reported interest income of ₹1,617 Cr for the fiscal year 2023, which is expected to further increase to ₹3,060 Cr by March 2025. This positive momentum reflects the bank’s strategic positioning within the small finance segment, catering to the underserved sectors of the economy.
Profitability and Efficiency Metrics
Equitas Small Finance Bank’s profitability metrics reveal a challenging landscape, particularly as it reported a net profit of ₹574 Cr in FY 2023, which declined to ₹147 Cr in FY 2025. The bank’s profitability has been affected by rising expenses, which stood at ₹2,361 Cr in FY 2023 and are projected to escalate to ₹3,816 Cr in FY 2025. Notably, the bank’s net profit margin fell to 2.32% in FY 2025 from 13.78% in FY 2023, demonstrating a significant decrease in profitability efficiency. The return on equity (ROE) also showed weakness, declining to 2% in FY 2025 from 12% in FY 2023. The financing profit deteriorated sharply, turning negative at ₹-564 Cr in FY 2025, reflecting increased operational challenges. Despite these hurdles, the bank’s operational efficiency remains a focal point, with a cost-to-income ratio of 67.95%, indicating the need for better cost management strategies moving forward.
Balance Sheet Strength and Financial Ratios
Equitas Small Finance Bank’s balance sheet reflects a robust growth in total assets, which rose to ₹52,836 Cr in FY 2025 from ₹34,958 Cr in FY 2023. The bank maintained reserves of ₹4,933 Cr in FY 2025, up from ₹4,047 Cr in FY 2023, highlighting a solid capital position. However, the reported gross non-performing assets (NPA) ratio increased slightly to 2.89% in FY 2025 from 2.76% in FY 2023, suggesting some strain in asset quality. The bank’s interest income to total assets ratio was 11.94%, indicating effective asset utilization, although the net interest margin stood at 6.15%, reflecting pressure on interest income amidst rising costs. The price-to-book value ratio of 1.03 in FY 2025 suggests a valuation that aligns closely with its book value, indicating that the market perceives the bank’s assets as fairly valued. Overall, the balance sheet indicates strength but also highlights the need for vigilance regarding asset quality and operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Equitas Small Finance Bank reveals a substantial shift in ownership structure, with promoters holding 0% as of March 2023, a dramatic decline from 74.48% in December 2022. This change has been accompanied by an increase in institutional investor participation, with foreign institutional investors (FIIs) holding 15.67% and domestic institutional investors (DIIs) at 48.20% as of September 2025. The public shareholding accounted for 36.13%, indicating a diversified ownership structure. The increase in institutional support suggests growing confidence among professional investors, potentially driven by the bank’s strategic initiatives and growth prospects. However, the complete exit of promoters raises concerns about long-term strategic direction and governance. With a total of 4,18,050 shareholders reported, the bank’s outreach and retail investor interest remain strong, demonstrating a solid foundation for future growth.
Outlook, Risks, and Final Insight
The outlook for Equitas Small Finance Bank is contingent on its ability to manage rising costs and improve profitability amid a competitive banking landscape. Key strengths include a robust revenue growth trajectory, a solid capital base, and increasing institutional investor confidence. However, risks are evident in the form of declining profitability metrics, rising NPAs, and the complete exit of promoters, which may raise governance concerns. The bank must focus on enhancing operational efficiency and cost management to restore profitability. Additionally, addressing asset quality issues will be crucial in maintaining investor trust. In the face of these challenges, Equitas could leverage its growing market share in the small finance segment to regain momentum, but proactive measures will be essential to navigate the evolving financial landscape and sustain long-term growth.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,155 Cr. | 259 | 345/180 | 26.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 42.6/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,230 Cr. | 271 | 331/249 | 9.10 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,941 Cr. | 22.3 | 24.3/16.0 | 24.6 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,799 Cr. | 55.7 | 56.3/30.8 | 25.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,246.48 Cr | 427.11 | 18.81 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,002 | 1,063 | 1,156 | 1,254 | 1,359 | 1,429 | 1,445 | 1,501 | 1,555 | 1,612 | 1,644 | 1,649 | 1,617 |
| Interest | 393 | 416 | 449 | 511 | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 | 844 |
| Expenses | 602 | 571 | 685 | 662 | 680 | 715 | 758 | 974 | 1,021 | 967 | 1,002 | 1,375 | 969 |
| Financing Profit | 7 | 77 | 22 | 81 | 86 | 70 | 28 | -173 | -219 | -149 | -172 | -589 | -195 |
| Financing Margin % | 1% | 7% | 2% | 6% | 6% | 5% | 2% | -12% | -14% | -9% | -10% | -36% | -12% |
| Other Income | 145 | 153 | 239 | 171 | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 | 229 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 152 | 229 | 261 | 252 | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 |
| Tax % | 24% | 26% | 27% | 24% | 26% | 27% | 23% | 28% | 36% | 26% | 21% | -25% | 28% |
| Net Profit | 116 | 170 | 190 | 191 | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 |
| EPS in Rs | 0.93 | 1.36 | 1.71 | 1.72 | 1.77 | 1.79 | 1.83 | 0.23 | 0.11 | 0.58 | 0.37 | -1.96 | 0.21 |
| Gross NPA % | 3.91% | 3.63% | 2.76% | 2.75% | 2.27% | 2.53% | 2.61% | 2.73% | 2.95% | 2.97% | 2.89% | 2.92% | 2.92% |
| Net NPA % | 1.97% | 1.82% | 1.21% | 1.18% | 0.97% | 1.13% | 1.17% | 0.83% | 0.97% | 0.96% | 0.98% | 0.98% | 0.98% |
Last Updated: January 1, 2026, 8:36 pm
Below is a detailed analysis of the quarterly data for Equitas Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 844.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 863.00 Cr. (Jun 2025) to 844.00 Cr., marking a decrease of 19.00 Cr..
- For Expenses, as of Sep 2025, the value is 969.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,375.00 Cr. (Jun 2025) to 969.00 Cr., marking a decrease of 406.00 Cr..
- For Other Income, as of Sep 2025, the value is 229.00 Cr.. The value appears to be declining and may need further review. It has decreased from 292.00 Cr. (Jun 2025) to 229.00 Cr., marking a decrease of 63.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 34.00 Cr.. The value appears strong and on an upward trend. It has increased from -297.00 Cr. (Jun 2025) to 34.00 Cr., marking an increase of 331.00 Cr..
- For Tax %, as of Sep 2025, the value is 28.00%. The value appears to be increasing, which may not be favorable. It has increased from -25.00% (Jun 2025) to 28.00%, marking an increase of 53.00%.
- For Net Profit, as of Sep 2025, the value is 24.00 Cr.. The value appears strong and on an upward trend. It has increased from -224.00 Cr. (Jun 2025) to 24.00 Cr., marking an increase of 248.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.21. The value appears strong and on an upward trend. It has increased from -1.96 (Jun 2025) to 0.21, marking an increase of 2.17.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:24 am
| Metric | Mar 2011 | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 6 | 408 | 981 | 1,543 | 2,112 | 2,645 | 3,194 | 3,460 | 4,162 | 5,486 | 6,312 | 6,522 |
| Interest | 0 | 2 | 159 | 460 | 684 | 964 | 1,150 | 1,396 | 1,421 | 1,617 | 2,407 | 3,060 | 3,315 |
| Expenses | 0 | 17 | 230 | 561 | 964 | 1,015 | 1,304 | 1,628 | 2,123 | 2,361 | 2,681 | 3,816 | 4,313 |
| Financing Profit | -0 | -13 | 19 | -40 | -105 | 133 | 191 | 170 | -84 | 184 | 399 | -564 | -1,105 |
| Financing Margin % | -1,100% | -208% | 5% | -4% | -7% | 6% | 7% | 5% | -2% | 4% | 7% | -9% | -17% |
| Other Income | 0 | 0 | 71 | 233 | 241 | 283 | 282 | 418 | 538 | 670 | 799 | 911 | 984 |
| Depreciation | 0 | 0 | 5 | 32 | 88 | 92 | 96 | 76 | 75 | 85 | 134 | 148 | 0 |
| Profit before tax | -0 | -13 | 85 | 161 | 49 | 324 | 377 | 511 | 378 | 769 | 1,063 | 199 | -121 |
| Tax % | 0% | 0% | 0% | 36% | 34% | 35% | 35% | 25% | 26% | 25% | 25% | 26% | |
| Net Profit | -0 | -13 | 85 | 104 | 32 | 211 | 244 | 384 | 281 | 574 | 799 | 147 | -91 |
| EPS in Rs | -3.96 | -2.13 | 2.01 | 1.04 | 0.32 | 2.09 | 2.31 | 3.37 | 2.24 | 5.16 | 7.04 | 1.29 | -0.80 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 19% | 14% | 78% |
YoY Net Profit Growth
| Year | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 22.35% | -69.23% | 559.38% | 15.64% | 57.38% | -26.82% | 104.27% | 39.20% | -81.60% |
| Change in YoY Net Profit Growth (%) | 0.00% | -91.58% | 628.61% | -543.74% | 41.74% | -84.20% | 131.09% | -65.07% | -120.80% |
Equitas Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 9 years from 2016-2017 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 19% |
| 3 Years: | 22% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -10% |
| 3 Years: | -20% |
| TTM: | -116% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 4% |
| 1 Year: | -38% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 9% |
| 3 Years: | 9% |
| Last Year: | 2% |
Last Updated: September 5, 2025, 3:35 am
Balance Sheet
Last Updated: December 4, 2025, 1:13 am
| Month | Mar 2011 | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 61 | 423 | 1,006 | 1,006 | 1,006 | 1,053 | 1,139 | 1,252 | 1,111 | 1,135 | 1,140 | 1,140 |
| Reserves | -0 | -13 | 288 | 1,006 | 1,038 | 1,248 | 1,691 | 2,257 | 2,994 | 4,047 | 4,834 | 4,933 | 4,718 |
| Deposits | 0 | 0 | 1,921 | 5,604 | 9,007 | 10,788 | 16,392 | 18,951 | 25,348 | 36,129 | 43,107 | 44,094 | |
| Borrowing | 0 | 44 | 1,638 | 4,779 | 5,177 | 3,973 | 5,135 | 4,165 | 2,616 | 2,974 | 1,788 | 2,137 | 3,452 |
| Other Liabilities | 0 | 14 | 65 | 533 | 485 | 529 | 628 | 755 | 1,134 | 1,478 | 1,418 | 1,519 | 2,027 |
| Total Liabilities | 5 | 105 | 2,414 | 9,245 | 13,310 | 15,763 | 19,296 | 24,708 | 26,948 | 34,958 | 45,304 | 52,836 | 55,431 |
| Fixed Assets | 0 | 4 | 11 | 274 | 280 | 236 | 210 | 184 | 189 | 338 | 537 | 531 | 709 |
| CWIP | 0 | 0 | 0 | 15 | 1 | 2 | 2 | 1 | 11 | 41 | 68 | 165 | 0 |
| Investments | 0 | 0 | 0 | 1,890 | 3,857 | 2,344 | 2,343 | 3,705 | 4,450 | 6,665 | 9,065 | 9,289 | 10,598 |
| Other Assets | 5 | 102 | 2,403 | 7,066 | 9,172 | 13,181 | 16,740 | 20,818 | 22,297 | 27,914 | 35,634 | 42,851 | 44,124 |
| Total Assets | 5 | 105 | 2,414 | 9,245 | 13,310 | 15,763 | 19,296 | 24,708 | 26,948 | 34,958 | 45,304 | 52,836 | 55,431 |
Below is a detailed analysis of the balance sheet data for Equitas Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,140.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1,140.00 Cr..
- For Reserves, as of Sep 2025, the value is 4,718.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,933.00 Cr. (Mar 2025) to 4,718.00 Cr., marking a decrease of 215.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2,027.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,519.00 Cr. (Mar 2025) to 2,027.00 Cr., marking an increase of 508.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 55,431.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 52,836.00 Cr. (Mar 2025) to 55,431.00 Cr., marking an increase of 2,595.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 709.00 Cr.. The value appears strong and on an upward trend. It has increased from 531.00 Cr. (Mar 2025) to 709.00 Cr., marking an increase of 178.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 165.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 165.00 Cr..
- For Investments, as of Sep 2025, the value is 10,598.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,289.00 Cr. (Mar 2025) to 10,598.00 Cr., marking an increase of 1,309.00 Cr..
- For Other Assets, as of Sep 2025, the value is 44,124.00 Cr.. The value appears strong and on an upward trend. It has increased from 42,851.00 Cr. (Mar 2025) to 44,124.00 Cr., marking an increase of 1,273.00 Cr..
- For Total Assets, as of Sep 2025, the value is 55,431.00 Cr.. The value appears strong and on an upward trend. It has increased from 52,836.00 Cr. (Mar 2025) to 55,431.00 Cr., marking an increase of 2,595.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2011 | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2011 | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.00 | 17.00 | 230.00 | 560.00 | 959.00 | -8.00 | -9.00 | -15.00 | -16.00 | -23.00 | -34.00 | -40.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2011 | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -49% | 8% | 2% | 10% | 10% | 13% | 7% | 12% | 14% | 2% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Small Cap Fund | 67,023,564 | 1.13 | 430.02 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 48,064,081 | 2.28 | 308.38 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 44,472,693 | 0.88 | 285.34 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 42,008,652 | 0.99 | 269.53 | N/A | N/A | N/A |
| SBI Contra Fund | 33,102,195 | 0.43 | 212.38 | 29,985,546 | 2025-12-07 12:30:23 | 10.39% |
| Canara Robeco Small Cap Fund | 28,371,594 | 1.39 | 182.03 | 20,905,973 | 2025-12-07 12:30:23 | 35.71% |
| Franklin India Mid Cap Fund | 23,580,355 | 1.17 | 151.29 | N/A | N/A | N/A |
| Nippon India Banking & Financial Services Fund | 21,553,986 | 1.77 | 138.29 | 13,478,077 | 2025-12-07 09:09:53 | 59.92% |
| Nippon India Small Cap Fund | 13,733,036 | 0.13 | 88.11 | N/A | N/A | N/A |
| JM Flexicap Fund | 12,052,956 | 1.29 | 77.33 | 12,945,340 | 2025-12-15 01:00:15 | -6.89% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.29 | 7.12 | 4.71 | 2.43 | 3.53 |
| Diluted EPS (Rs.) | 1.29 | 7.01 | 4.67 | 2.40 | 3.49 |
| Cash EPS (Rs.) | 2.59 | 8.22 | 5.93 | 2.84 | 4.04 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 53.27 | 52.59 | 46.44 | 33.91 | 29.81 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 53.27 | 52.59 | 46.44 | 33.91 | 29.81 |
| Operating Revenue / Share (Rs.) | 55.37 | 48.34 | 37.48 | 27.63 | 28.04 |
| Net Profit / Share (Rs.) | 1.29 | 7.04 | 5.16 | 2.24 | 3.37 |
| Interest Income / Employee (Rs.) | 8308180.86 | 0.00 | 2023964.45 | 1964939.68 | 1929459.53 |
| Net Profit / Employee (Rs.) | 193563.12 | 0.00 | 278943.00 | 159443.29 | 232074.90 |
| Business / Employee (Rs.) | 104403855.47 | 0.00 | 24888932.74 | 21766912.76 | 20077264.07 |
| Interest Income / Branch (Rs.) | 142155968.47 | 0.00 | 47564321.14 | 40181989.55 | 37101198.61 |
| Net Profit / Branches (Rs.) | 3311934.68 | 0.00 | 6555320.00 | 3260531.94 | 4462522.65 |
| Business / Branches (Rs.) | 1786387590.09 | 0.00 | 584904141.71 | 445121989.55 | 386061770.03 |
| Net Profit Margin (%) | 2.32 | 14.56 | 13.78 | 8.11 | 12.02 |
| Operating Profit Margin (%) | 3.53 | 20.60 | 17.84 | 10.89 | 17.33 |
| Return On Assets (%) | 0.27 | 1.76 | 1.64 | 1.04 | 1.55 |
| Return On Equity / Networth (%) | 2.42 | 13.38 | 11.12 | 6.61 | 11.31 |
| Net Interest Margin (X) | 6.15 | 6.79 | 7.27 | 7.56 | 7.27 |
| Cost To Income (%) | 67.95 | 64.48 | 63.41 | 66.15 | 59.99 |
| Interest Income / Total Assets (%) | 11.94 | 12.11 | 11.90 | 12.83 | 12.92 |
| Non-Interest Income / Total Assets (%) | 1.72 | 1.76 | 1.91 | 1.99 | 1.69 |
| Operating Profit / Total Assets (%) | -1.44 | 0.00 | -0.27 | -0.95 | -0.13 |
| Operating Expenses / Total Assets (%) | 5.35 | 5.52 | 5.83 | 6.32 | 5.37 |
| Interest Expenses / Total Assets (%) | 5.79 | 5.31 | 4.62 | 5.27 | 5.65 |
| Enterprise Value (Rs.Cr.) | 46558.85 | 44903.87 | 34628.92 | 27014.33 | 26883.85 |
| EV Per Net Sales (X) | 7.38 | 8.18 | 8.32 | 7.81 | 8.42 |
| Price To Book Value (X) | 1.03 | 1.76 | 1.44 | 1.51 | 2.01 |
| Price To Sales (X) | 0.99 | 1.91 | 1.79 | 1.85 | 2.14 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.02 | 0.07 | 0.07 | 0.04 | 0.05 |
After reviewing the key financial ratios for Equitas Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 5. It has decreased from 7.12 (Mar 24) to 1.29, marking a decrease of 5.83.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 5. It has decreased from 7.01 (Mar 24) to 1.29, marking a decrease of 5.72.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.59. This value is below the healthy minimum of 3. It has decreased from 8.22 (Mar 24) to 2.59, marking a decrease of 5.63.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.27. It has increased from 52.59 (Mar 24) to 53.27, marking an increase of 0.68.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.27. It has increased from 52.59 (Mar 24) to 53.27, marking an increase of 0.68.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 2. It has decreased from 7.04 (Mar 24) to 1.29, marking a decrease of 5.75.
- For Net Profit Margin (%), as of Mar 25, the value is 2.32. This value is below the healthy minimum of 5. It has decreased from 14.56 (Mar 24) to 2.32, marking a decrease of 12.24.
- For Return On Assets (%), as of Mar 25, the value is 0.27. This value is below the healthy minimum of 5. It has decreased from 1.76 (Mar 24) to 0.27, marking a decrease of 1.49.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Equitas Small Finance Bank Ltd:
- Net Profit Margin: 2.32%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 18.81)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 2.32%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 4th Floor, Phase II, Chennai (Madras) Tamil Nadu 600002 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Anil Kumar Sharma | Part Time Chairman & Independent Director |
| Mr. P N Vasudevan | Managing Director & CEO |
| Mr. Balaji Nuthalapadi | Executive Director |
| Prof. Samir Kumar Barua | Ind. Non-Executive Director |
| Ms. Geeta Dutta Goel | Ind. Non-Executive Director |
| Dr. Gulshan Rai | Ind. Non-Executive Director |
| Mr. Navin Puri | Ind. Non-Executive Director |
| Mr. K S Sampath | Ind. Non-Executive Director |
| Mr. N R Narayanan | Ind. Non-Executive Director |
| Mr. Ramkumar Krishnaswamy | Ind. Non-Executive Director |
| Mr. Ramesh Rangan | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Equitas Small Finance Bank Ltd?
Equitas Small Finance Bank Ltd's intrinsic value (as of 05 January 2026) is ₹15.29 which is 76.18% lower the current market price of ₹64.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,319 Cr. market cap, FY2025-2026 high/low of ₹75.5/50.0, reserves of ₹4,718 Cr, and liabilities of ₹55,431 Cr.
What is the Market Cap of Equitas Small Finance Bank Ltd?
The Market Cap of Equitas Small Finance Bank Ltd is 7,319 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 05 January 2026?
The current stock price of Equitas Small Finance Bank Ltd as on 05 January 2026 is ₹64.2.
What is the High / Low of Equitas Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Equitas Small Finance Bank Ltd stocks is ₹75.5/50.0.
What is the Stock P/E of Equitas Small Finance Bank Ltd?
The Stock P/E of Equitas Small Finance Bank Ltd is .
What is the Book Value of Equitas Small Finance Bank Ltd?
The Book Value of Equitas Small Finance Bank Ltd is 51.4.
What is the Dividend Yield of Equitas Small Finance Bank Ltd?
The Dividend Yield of Equitas Small Finance Bank Ltd is 0.00 %.
What is the ROCE of Equitas Small Finance Bank Ltd?
The ROCE of Equitas Small Finance Bank Ltd is 6.85 %.
What is the ROE of Equitas Small Finance Bank Ltd?
The ROE of Equitas Small Finance Bank Ltd is 2.43 %.
What is the Face Value of Equitas Small Finance Bank Ltd?
The Face Value of Equitas Small Finance Bank Ltd is 10.0.