Share Price and Basic Stock Data
Last Updated: January 7, 2026, 9:16 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 operates in the private sector banking industry, currently priced at ₹64.2 with a market capitalization of ₹7,319 Cr. The bank has shown a consistent upward trend in revenue, reporting ₹1,002 Cr in September 2022, which rose to ₹1,359 Cr by September 2023. This growth trajectory continued into December 2023, where revenue reached ₹1,429 Cr, and projected figures for March 2024 stand at ₹1,445 Cr. Annually, revenue figures have grown significantly from ₹3,460 Cr in March 2022 to ₹4,162 Cr in March 2023, with a trailing twelve months (TTM) revenue of ₹6,522 Cr. This indicates a strong demand for the bank’s services, reflecting effective customer acquisition strategies and an expanding operational footprint. The bank’s revenue growth has been supported by a steady increase in interest income, which stood at ₹1,617 Cr in March 2023, and is projected to rise to ₹3,060 Cr by March 2025. Such trends suggest a favorable market position and robust operational capabilities.
Profitability and Efficiency Metrics
Equitas Small Finance Bank reported a net profit of ₹574 Cr for the year ending March 2023, which reflects a significant increase from ₹281 Cr in March 2022. However, the bank is facing profitability challenges, as indicated by a net profit of ₹-91 Cr for the TTM period. The return on equity (ROE) stood at 2.43% for the latest reporting period, showcasing a decline from the 14% recorded in March 2024. The operating profit margin (OPM) is not available, but the cost-to-income ratio was reported at 67.95%, indicating inefficiencies compared to the sector average. The financing profit also faced fluctuations, with a negative margin of -564 Cr expected in March 2025. Such metrics highlight the need for strategic initiatives to enhance profitability amid rising expenses, which totaled ₹2,361 Cr in March 2023. The bank’s ability to manage costs effectively and improve margins will be crucial in retaining investor confidence and achieving sustainable profitability.
Balance Sheet Strength and Financial Ratios
Equitas Small Finance Bank’s balance sheet reflects a total asset base of ₹55,431 Cr as of September 2025, an increase from ₹34,958 Cr in March 2023. The bank’s reserves stood at ₹4,718 Cr, showcasing a solid capital position. However, borrowings have also increased, reaching ₹3,452 Cr in September 2025, indicating a reliance on external funding. The net interest margin (NIM) for the bank was reported at 6.15, which is favorable compared to typical sector ranges. The price-to-book value ratio is at 1.03, suggesting the stock is fairly valued in relation to its book value. The gross non-performing assets (NPA) ratio stood at 2.27% as of September 2023, indicating a relatively healthy asset quality compared to industry standards. However, the net NPA ratio of 0.97% shows that while asset quality is manageable, it requires ongoing vigilance. The financial ratios suggest a balanced approach to growth and risk management, yet the bank must ensure that asset quality remains a priority.
Shareholding Pattern and Investor Confidence
The shareholding structure of Equitas Small Finance Bank indicates a diversified ownership model. As of September 2025, promoters hold 0% of the equity, a significant drop from 74.48% in December 2022. This shift reflects a possible strategic move to attract institutional investors, as foreign institutional investors (FIIs) now hold 15.67% and domestic institutional investors (DIIs) hold 48.20%. The public’s shareholding stands at 36.13%, with a total of 418,050 shareholders. This distribution can enhance liquidity and market participation, which is vital for the bank’s long-term stability. However, the complete exit of promoters could raise concerns about governance and strategic direction. Investor confidence will hinge on the bank’s ability to articulate a clear growth strategy and maintain operational performance amidst changing ownership dynamics. The increase in institutional holdings suggests a potential for stability and confidence in the bank’s future prospects.
Outlook, Risks, and Final Insight
Equitas Small Finance Bank’s outlook appears cautiously optimistic, bolstered by robust revenue growth and a solid asset base. However, the bank faces significant risks, including declining profitability, as evidenced by the recent net profit of ₹-91 Cr for TTM, and rising expenses that could hinder future margins. Additionally, the substantial drop in promoter shareholding raises questions about governance and direction, potentially impacting investor sentiment. The bank’s ability to navigate these challenges will be crucial for maintaining market confidence. If the bank can successfully implement cost control measures and enhance operational efficiency, it may improve its profitability metrics and overall performance in the coming years. Conversely, continued pressure on margins and asset quality could present significant headwinds. Investors should monitor these developments closely, as the bank’s strategic direction and financial health will play pivotal roles in shaping its future trajectory.
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 | 2,092 Cr. | 251 | 339/180 | 26.0 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,359 Cr. | 26.4 | 40.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,224 Cr. | 270 | 331/249 | 9.06 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 73,741 Cr. | 23.5 | 24.3/16.0 | 26.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,238 Cr. | 58.0 | 59.2/30.8 | 27.0 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,695.13 Cr | 428.75 | 18.99 | 241.49 | 0.58% | 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: 18.99)
- 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 07 January 2026) is ₹15.29 which is 77.04% lower the current market price of ₹66.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,599 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 7,599 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 07 January 2026?
The current stock price of Equitas Small Finance Bank Ltd as on 07 January 2026 is ₹66.6.
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.