Share Price and Basic Stock Data
Last Updated: November 3, 2025, 8:40 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Equitas Small Finance Bank Ltd operates within the private sector banking industry, focusing on financial inclusion and providing banking services to underserved segments. The bank’s revenue trajectory has shown a consistent upward trend, with total revenue reported at ₹4,162 Cr in March 2023, which is an increase from ₹3,460 Cr in March 2022. This growth reflects a robust quarterly performance, culminating in ₹1,359 Cr in September 2023, up from ₹1,254 Cr in June 2023. The revenue figures indicate a solid recovery post-pandemic, with quarterly revenues projected to keep rising, reaching ₹1,501 Cr by June 2024. Notably, the bank’s interest income also displayed strong growth, rising to ₹3,060 Cr for FY 2025, up from ₹1,617 Cr in FY 2023. This performance is indicative of the bank’s ability to expand its lending portfolio and enhance its interest income streams, positioning it favorably in a competitive banking landscape.
Profitability and Efficiency Metrics
Equitas Small Finance Bank’s profitability has faced challenges, with a reported net profit of ₹-102 Cr for FY 2025, compared to a profit of ₹574 Cr in FY 2023. This downturn is attributed to rising expenses, which increased to ₹3,816 Cr in FY 2025 from ₹2,361 Cr in FY 2023. The bank’s financing profit also saw fluctuations, recording a loss of ₹564 Cr for FY 2025, contrasting sharply with the profit of ₹184 Cr in FY 2023. The financing margin percentage has deteriorated significantly, standing at -9% for FY 2025 compared to 4% in FY 2023. Efficiency metrics such as return on equity (ROE) and return on capital employed (ROCE) reflect similar struggles, with ROE reported at 2.42% for FY 2025, down from 13.38% in FY 2024. These figures highlight the bank’s operational challenges and the need for strategic measures to enhance profitability moving forward.
Balance Sheet Strength and Financial Ratios
Equitas Small Finance Bank’s balance sheet reveals considerable growth in total assets, which stood at ₹52,836 Cr for FY 2025, up from ₹34,958 Cr in FY 2023. The bank’s reserves also increased to ₹4,933 Cr from ₹4,047 Cr over the same period, indicating a strengthening of its equity base. However, the bank’s net profit margin has been under pressure, reported at 2.32% for FY 2025, a decline from 14.56% in FY 2024. The price-to-book value ratio is at 1.03 for FY 2025, suggesting that the bank is trading near its book value, which could indicate a cautious market sentiment. The gross non-performing assets (NPA) ratio stood at 2.89% in March 2025, a slight recovery from 2.92% in June 2025, but still higher than the sector average. This persistence of NPAs poses a risk to asset quality and profitability, necessitating close monitoring and management intervention.
Shareholding Pattern and Investor Confidence
The shareholding structure of Equitas Small Finance Bank has undergone significant changes, particularly with promoters holding 0.00% as of March 2023, a stark contrast to 74.48% in December 2022. This drastic shift raises concerns regarding investor confidence and corporate governance. Foreign institutional investors (FIIs) have increased their stake to 15.67% by September 2025, while domestic institutional investors (DIIs) hold a substantial 48.20%. The public shareholding stands at 36.13%, reflecting a diversified ownership base. The number of shareholders has also seen notable growth, increasing to 4,18,050 as of September 2025 from 1,35,012 in December 2022. This broadening of the shareholder base is a positive indicator of growing interest in the bank, yet the decline in promoter holdings may raise questions about future strategic direction and stability.
Outlook, Risks, and Final Insight
The outlook for Equitas Small Finance Bank hinges on its ability to navigate current profitability challenges while capitalizing on its growing asset base. Key strengths include its robust revenue growth and increasing deposits, which reached ₹43,107 Cr in FY 2025, highlighting customer trust and market penetration. However, significant risks persist, particularly the high NPA levels, which could impact future earnings and regulatory compliance. Additionally, the bank’s declining profitability metrics necessitate swift corrective actions to restore investor confidence. The shift in the shareholding pattern, especially the exit of promoters, could lead to strategic uncertainties. For Equitas to achieve sustainable growth, it must focus on enhancing operational efficiency and managing asset quality effectively while ensuring that it remains aligned with its mission of financial inclusion.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Equitas Small Finance Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,398 Cr. | 288 | 396/180 | 29.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,444 Cr. | 28.0 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,247 Cr. | 275 | 331/250 | 9.23 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 72,068 Cr. | 23.0 | 24.3/16.0 | 25.4 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,207 Cr. | 52.7 | 54.6/30.8 | 24.5 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 160,955.70 Cr | 409.77 | 18.30 | 238.79 | 0.61% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 940 | 1,002 | 1,063 | 1,156 | 1,254 | 1,359 | 1,429 | 1,445 | 1,501 | 1,555 | 1,612 | 1,644 | 1,649 |
| Interest | 360 | 393 | 416 | 449 | 511 | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 |
| Expenses | 587 | 602 | 571 | 685 | 662 | 680 | 715 | 758 | 974 | 1,021 | 967 | 1,002 | 1,375 |
| Financing Profit | -7 | 7 | 77 | 22 | 81 | 86 | 70 | 28 | -173 | -219 | -149 | -172 | -589 |
| Financing Margin % | -1% | 1% | 7% | 2% | 6% | 6% | 5% | 2% | -12% | -14% | -9% | -10% | -36% |
| Other Income | 133 | 145 | 153 | 239 | 171 | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 127 | 152 | 229 | 261 | 252 | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 |
| Tax % | 23% | 24% | 26% | 27% | 24% | 26% | 27% | 23% | 28% | 36% | 26% | 21% | -25% |
| Net Profit | 97 | 116 | 170 | 190 | 191 | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 |
| EPS in Rs | 0.77 | 0.93 | 1.36 | 1.71 | 1.72 | 1.77 | 1.79 | 1.83 | 0.23 | 0.11 | 0.58 | 0.37 | -1.96 |
| Gross NPA % | 4.10% | 3.91% | 3.63% | 2.76% | 2.75% | 2.27% | 2.53% | 2.61% | 2.73% | 2.95% | 2.97% | 2.89% | 2.92% |
| Net NPA % | 2.15% | 1.97% | 1.82% | 1.21% | 1.18% | 0.97% | 1.13% | 1.17% | 0.83% | 0.97% | 0.96% | 0.98% | 0.98% |
Last Updated: August 20, 2025, 11:10 am
Below is a detailed analysis of the quarterly data for Equitas Small Finance Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 863.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 815.00 Cr. (Mar 2025) to 863.00 Cr., marking an increase of 48.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,375.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,002.00 Cr. (Mar 2025) to 1,375.00 Cr., marking an increase of 373.00 Cr..
- For Other Income, as of Jun 2025, the value is 292.00 Cr.. The value appears strong and on an upward trend. It has increased from 225.00 Cr. (Mar 2025) to 292.00 Cr., marking an increase of 67.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is -297.00 Cr.. The value appears to be declining and may need further review. It has decreased from 53.00 Cr. (Mar 2025) to -297.00 Cr., marking a decrease of 350.00 Cr..
- For Tax %, as of Jun 2025, the value is -25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Mar 2025) to -25.00%, marking a decrease of 46.00%.
- For Net Profit, as of Jun 2025, the value is -224.00 Cr.. The value appears to be declining and may need further review. It has decreased from 42.00 Cr. (Mar 2025) to -224.00 Cr., marking a decrease of 266.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is -1.96. The value appears to be declining and may need further review. It has decreased from 0.37 (Mar 2025) to -1.96, marking a decrease of 2.33.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:23 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 | 6,460 |
| Interest | 0 | 2 | 159 | 460 | 684 | 964 | 1,150 | 1,396 | 1,421 | 1,617 | 2,407 | 3,060 | 3,224 |
| Expenses | 0 | 17 | 230 | 561 | 964 | 1,015 | 1,304 | 1,628 | 2,123 | 2,361 | 2,681 | 3,816 | 4,365 |
| Financing Profit | -0 | -13 | 19 | -40 | -105 | 133 | 191 | 170 | -84 | 184 | 399 | -564 | -1,129 |
| 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 | 994 |
| 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 | -134 |
| 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 | -102 |
| 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 | -0.90 |
| 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: October 10, 2025, 1:58 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 61 | 423 | 1,006 | 1,006 | 1,006 | 1,053 | 1,139 | 1,252 | 1,111 | 1,135 | 1,140 |
| Reserves | -0 | -13 | 288 | 1,006 | 1,038 | 1,248 | 1,691 | 2,257 | 2,994 | 4,047 | 4,834 | 4,933 |
| Deposits | 0 | 0 | 1,921 | 5,604 | 9,007 | 10,788 | 16,392 | 18,951 | 25,348 | 36,129 | 43,107 | |
| Borrowing | 0 | 44 | 1,638 | 4,779 | 5,177 | 3,973 | 5,135 | 4,165 | 2,616 | 2,974 | 1,788 | 2,137 |
| Other Liabilities | 0 | 14 | 65 | 533 | 485 | 529 | 628 | 755 | 1,134 | 1,478 | 1,418 | 1,519 |
| Total Liabilities | 5 | 105 | 2,414 | 9,245 | 13,310 | 15,763 | 19,296 | 24,708 | 26,948 | 34,958 | 45,304 | 52,836 |
| Fixed Assets | 0 | 4 | 11 | 274 | 280 | 236 | 210 | 184 | 189 | 338 | 537 | 531 |
| CWIP | 0 | 0 | 0 | 15 | 1 | 2 | 2 | 1 | 11 | 41 | 68 | 165 |
| Investments | 0 | 0 | 0 | 1,890 | 3,857 | 2,344 | 2,343 | 3,705 | 4,450 | 6,665 | 9,065 | 9,289 |
| Other Assets | 5 | 102 | 2,403 | 7,066 | 9,172 | 13,181 | 16,740 | 20,818 | 22,297 | 27,914 | 35,634 | 42,851 |
| Total Assets | 5 | 105 | 2,414 | 9,245 | 13,310 | 15,763 | 19,296 | 24,708 | 26,948 | 34,958 | 45,304 | 52,836 |
Below is a detailed analysis of the balance sheet data for Equitas Small Finance Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,140.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,135.00 Cr. (Mar 2024) to 1,140.00 Cr., marking an increase of 5.00 Cr..
- For Reserves, as of Mar 2025, the value is 4,933.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,834.00 Cr. (Mar 2024) to 4,933.00 Cr., marking an increase of 99.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1,519.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,418.00 Cr. (Mar 2024) to 1,519.00 Cr., marking an increase of 101.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 52,836.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 45,304.00 Cr. (Mar 2024) to 52,836.00 Cr., marking an increase of 7,532.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 531.00 Cr.. The value appears to be declining and may need further review. It has decreased from 537.00 Cr. (Mar 2024) to 531.00 Cr., marking a decrease of 6.00 Cr..
- For CWIP, as of Mar 2025, the value is 165.00 Cr.. The value appears strong and on an upward trend. It has increased from 68.00 Cr. (Mar 2024) to 165.00 Cr., marking an increase of 97.00 Cr..
- For Investments, as of Mar 2025, the value is 9,289.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,065.00 Cr. (Mar 2024) to 9,289.00 Cr., marking an increase of 224.00 Cr..
- For Other Assets, as of Mar 2025, the value is 42,851.00 Cr.. The value appears strong and on an upward trend. It has increased from 35,634.00 Cr. (Mar 2024) to 42,851.00 Cr., marking an increase of 7,217.00 Cr..
- For Total Assets, as of Mar 2025, the value is 52,836.00 Cr.. The value appears strong and on an upward trend. It has increased from 45,304.00 Cr. (Mar 2024) to 52,836.00 Cr., marking an increase of 7,532.00 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 - No data available for this post.
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 - Regular Plan | 60,564,526 | 1.87 | 588.44 | 60,564,526 | 2025-04-22 17:25:36 | 0% |
| Franklin India Smaller Companies Fund | 48,064,081 | 3.33 | 466.99 | 48,064,081 | 2025-04-22 02:06:43 | 0% |
| SBI Long Term Equity Fund | 30,472,693 | 1.15 | 296.07 | 30,472,693 | 2025-04-22 17:25:36 | 0% |
| SBI Contra Fund | 29,985,546 | 0.85 | 291.34 | 29,985,546 | 2025-04-22 17:25:36 | 0% |
| Franklin India Prima Fund | 23,580,355 | 1.91 | 229.11 | 23,580,355 | 2025-04-22 17:25:36 | 0% |
| Canara Robeco Small Cap Fund | 20,905,973 | 1.77 | 203.12 | 20,905,973 | 2025-04-22 17:25:36 | 0% |
| Invesco India Contra Fund | 15,656,607 | 0.94 | 152.12 | 15,656,607 | 2025-04-22 17:25:36 | 0% |
| DSP Small Cap Fund | 13,711,254 | 0.87 | 133.22 | 13,711,254 | 2025-04-22 17:25:36 | 0% |
| Nippon India Banking & Financial Services Fund | 13,478,077 | 2.21 | 130.95 | 13,478,077 | 2025-04-22 17:25:36 | 0% |
| Invesco India Focused Fund | 12,661,547 | 4.36 | 123.02 | 12,661,547 | 2025-04-22 17:25:36 | 0% |
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
Unable to fetch valid data for stock valuation.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: 18.3)
- 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 | cs@equitasbank.com http://www.equitasbank.com |
| 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 03 November 2025) is 15.29 which is 74.85% lower the current market price of 60.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 6,932 Cr. market cap, FY2025-2026 high/low of 75.5/50.0, reserves of ₹4,933 Cr, and liabilities of 52,836 Cr.
What is the Market Cap of Equitas Small Finance Bank Ltd?
The Market Cap of Equitas Small Finance Bank Ltd is 6,932 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 03 November 2025?
The current stock price of Equitas Small Finance Bank Ltd as on 03 November 2025 is 60.8.
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.