Share Price and Basic Stock Data
Last Updated: January 29, 2026, 6:09 pm
| 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 operates within the private sector banking industry and has exhibited noteworthy growth in revenue. The bank reported a revenue of ₹1,002 Cr in September 2022, which consistently increased to ₹1,359 Cr by September 2023, reflecting a year-on-year growth of approximately 35.7%. This upward trajectory continued, with projected revenues reaching ₹1,429 Cr in December 2023 and ₹1,445 Cr in March 2024. Over the past two years, the bank’s total revenue surged from ₹3,460 Cr in March 2022 to ₹4,162 Cr in March 2023, demonstrating a robust compound annual growth rate (CAGR). The bank’s strategic focus on expanding its lending portfolio, particularly in microfinance and small business loans, has driven this revenue growth, positioning it as a key player in the small finance banking segment. This growth trend is essential for sustaining its market capitalization of ₹7,927 Cr and enhancing shareholder value.
Profitability and Efficiency Metrics
Equitas Small Finance Bank’s profitability metrics have shown significant fluctuations, with a net profit of ₹198 Cr in September 2023, which marked an increase from ₹116 Cr in September 2022. However, the bank reported a net profit decline to ₹-91 Cr for the trailing twelve months (TTM), indicating underlying challenges in maintaining profitability. The return on equity (ROE) stood at a modest 2.43%, while the return on capital employed (ROCE) was recorded at 6.85%. These figures are relatively low compared to the typical sector average, which often exceeds 10% for private banks, signaling that Equitas needs to enhance its operational efficiency. Furthermore, the cost-to-income ratio has risen to 67.95%, reflecting increased operating expenses that could pressure future profitability. The bank’s financing profit margin turned negative in recent quarters, highlighting the need for strategic adjustments to reverse this trend.
Balance Sheet Strength and Financial Ratios
The balance sheet of Equitas Small Finance Bank reveals a total asset base of ₹55,431 Cr as of September 2025, with total liabilities also standing at ₹55,431 Cr. The bank’s reserves have grown to ₹4,718 Cr, showcasing a solid foundation for future growth and capital adequacy. The equity capital has steadily increased to ₹1,140 Cr, indicating a strengthening capital position. However, the bank’s gross non-performing assets (NPA) ratio was reported at 2.92% in September 2025, which is higher than the sector average, raising concerns about asset quality. Furthermore, the price-to-book value (P/BV) ratio stood at 1.03, suggesting that the market values the bank’s equity at slightly above its book value, which may limit upside potential. The interest income per employee was reported at ₹8,308,181, reflecting efficiency in generating income relative to its workforce. Overall, while the bank’s balance sheet shows resilience, it faces challenges in managing asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Equitas Small Finance Bank illustrates a significant shift in investor confidence over recent periods. Promoters held 74.48% of the equity in December 2022, but their stake has reduced to 0% by September 2025, indicating a complete divestment. This change may raise concerns among investors regarding the long-term commitment of the founding members. Conversely, foreign institutional investors (FIIs) increased their stake from 4.08% in December 2022 to 15.67% by September 2025, reflecting growing interest from international investors. Domestic institutional investors (DIIs) have also shown confidence, increasing their shareholding from 15.34% to 48.20% in the same period. The public’s shareholding has fluctuated around 36.13%, indicating a stable retail investor base. This evolving shareholding structure may influence future governance and strategic directions, as institutional investors typically seek stronger corporate accountability.
Outlook, Risks, and Final Insight
Equitas Small Finance Bank faces a mixed outlook, characterized by both opportunities and risks. The growth in revenue and reserves positions the bank favorably for expansion in the competitive small finance banking sector. However, the persistent issues related to profitability, as evidenced by the recent net profit decline, and high gross NPA ratios pose significant risks. The bank must enhance operational efficiencies and manage asset quality effectively to improve its financial health. Furthermore, the complete exit of promoters raises questions about governance and strategic direction, which could impact investor confidence. As the bank navigates these challenges, focusing on improving loan recovery processes and exploring new revenue streams will be critical. The evolving shareholding structure, with increasing institutional ownership, may provide a stabilizing effect, potentially leading to a more disciplined approach in the future.
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 | 1,843 Cr. | 222 | 339/180 | 23.0 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,432 Cr. | 27.7 | 37.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,159 Cr. | 255 | 331/249 | 8.55 | 306 | 1.57 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,900 Cr. | 21.3 | 24.3/16.0 | 21.1 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,103 Cr. | 62.4 | 68.0/30.9 | 24.5 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,112.65 Cr | 350.20 | 17.73 | 214.54 | 0.59% | 6.84% | 11.80% | 6.30 |
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 | 1.12 | 422.18 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 48,064,081 | 2.29 | 302.76 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 44,472,693 | 0.86 | 280.13 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 42,008,652 | 0.97 | 264.61 | N/A | N/A | N/A |
| SBI Contra Fund | 33,102,195 | 0.42 | 208.51 | 29,985,546 | 2025-12-07 12:30:23 | 10.39% |
| Canara Robeco Small Cap Fund | 28,371,594 | 1.36 | 178.71 | 20,905,973 | 2025-12-07 12:30:23 | 35.71% |
| Franklin India Mid Cap Fund | 23,580,355 | 1.16 | 148.53 | N/A | N/A | N/A |
| Nippon India Banking & Financial Services Fund | 21,553,986 | 1.75 | 135.77 | 13,478,077 | 2025-12-07 09:09:53 | 59.92% |
| Nippon India Small Cap Fund | 13,733,036 | 0.13 | 86.5 | N/A | N/A | N/A |
| JM Flexicap Fund | 12,052,956 | 1.39 | 75.92 | 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: 17.73)
- 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 29 January 2026) is ₹11.56 which is 83.34% lower the current market price of ₹69.40, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,913 Cr. market cap, FY2025-2026 high/low of ₹73.4/50.0, 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 7,913 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 29 January 2026?
The current stock price of Equitas Small Finance Bank Ltd as on 29 January 2026 is ₹69.4.
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 ₹73.4/50.0.
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.