Share Price and Basic Stock Data
Last Updated: November 26, 2025, 4:54 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, operating in the private sector finance industry, reported a market capitalization of ₹7,300 Cr and a current share price of ₹64.0. The bank has demonstrated a consistent upward trajectory in its revenue, with quarterly revenues rising from ₹940 Cr in June 2022 to ₹1,359 Cr by September 2023. The latest reported revenue for December 2023 stood at ₹1,429 Cr, indicating a robust demand for its banking services. Annual revenue figures further corroborate this trend, with total revenue increasing from ₹3,460 Cr in FY 2022 to ₹4,162 Cr in FY 2023, and projected to reach ₹5,486 Cr in FY 2024. The bank’s ability to grow its revenue amidst a competitive landscape reflects its effective customer acquisition strategies and product offerings.
Profitability and Efficiency Metrics
Equitas Small Finance Bank’s profitability metrics reveal a complex picture. The bank recorded a net profit of ₹574 Cr in FY 2023; however, it faced a net loss of ₹91 Cr in TTM. The profit before tax for FY 2025 is projected at ₹199 Cr, a significant decline from ₹769 Cr in FY 2023. The return on equity (ROE) stood at 2.43% for the current period, significantly below the typical sector averages, indicating challenges in generating returns for shareholders. Efficiency metrics such as the cost-to-income ratio, reported at 67.95%, suggest the bank is experiencing higher operational costs relative to its income, which may hinder profitability. The gross NPA ratio, although improved to 2.27% by September 2023, still reflects a higher risk environment compared to sector norms.
Balance Sheet Strength and Financial Ratios
Equitas Small Finance Bank’s balance sheet shows a total asset value of ₹52,836 Cr, supported by substantial deposits of ₹43,107 Cr in FY 2025, illustrating a strong funding base. The bank’s reserves stood at ₹4,933 Cr, providing a cushion against potential losses. The reported equity capital remained stable at ₹1,140 Cr as of March 2025. The financial ratios indicate potential areas for improvement, particularly the price-to-book value ratio at 1.03, which is relatively low compared to historical averages. The net interest margin (NIM) of 6.15x is a positive indicator of the bank’s ability to manage its interest expenses effectively, although it has shown a downward trend from previous years. Overall, while the bank maintains a solid asset base, its profitability and efficiency metrics highlight areas needing strategic focus.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Equitas Small Finance Bank reflects a significant shift following the exit of promoters, who held 74.48% in December 2022 but reported 0% by March 2023. This transition has led to increased institutional investor participation, with Foreign Institutional Investors (FIIs) holding 15.67% and Domestic Institutional Investors (DIIs) holding 48.20% as of September 2025. The public’s shareholding is at 36.13%, indicating a diverse ownership structure. The increase in institutional holdings suggests growing confidence among professional investors in the bank’s operational strategies. However, the absence of promoter backing may raise concerns regarding governance and strategic direction among retail investors. The number of shareholders has grown significantly, reaching 4,18,050, indicating heightened market interest.
Outlook, Risks, and Final Insight
The outlook for Equitas Small Finance Bank hinges on several key factors, including its ability to return to profitability and manage operational efficiency. The bank faces risks related to its declining profit trajectory and rising operational costs, which could further impact its ROE and overall financial health. Additionally, the elevated NPA levels, though showing some improvement, remain a concern in the current economic climate. On the upside, the bank’s solid asset base and growing revenue present opportunities for recovery and growth. If management can successfully navigate these challenges while capitalizing on market opportunities, Equitas may enhance its standing in the competitive banking sector. However, without a clear strategy to address its current financial strains, the bank’s ability to attract future investment could be jeopardized.
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 | 2,438 Cr. | 292 | 372/180 | 30.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,379 Cr. | 26.7 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,264 Cr. | 279 | 331/250 | 9.35 | 307 | 1.43 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,944 Cr. | 22.9 | 24.3/16.0 | 25.4 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,844 Cr. | 55.9 | 56.2/30.8 | 26.0 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,983.13 Cr | 421.17 | 18.79 | 241.49 | 0.58% | 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: November 15, 2025, 5:26 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: November 9, 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 | 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 - 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: 18.79)
- 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 27 November 2025) is 15.29 which is 76.76% lower the current market price of 65.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 7,503 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 7,503 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 27 November 2025?
The current stock price of Equitas Small Finance Bank Ltd as on 27 November 2025 is 65.8.
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.