Share Price and Basic Stock Data
Last Updated: February 9, 2026, 8:38 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 shown a commendable growth trajectory in revenue over recent quarters. The bank’s revenue rose from ₹1,002 Cr in September 2022 to ₹1,359 Cr by September 2023, reflecting a robust quarterly increase. This upward trend continued with revenues reaching ₹1,445 Cr in March 2024 and projected to hit ₹1,501 Cr in June 2024. Over the last fiscal year, Equitas reported annual revenue of ₹4,162 Cr for FY 2023, which is anticipated to grow to ₹5,486 Cr in FY 2024 and further to ₹6,312 Cr in FY 2025. This consistent revenue growth indicates the bank’s effective management and ability to capitalize on market opportunities. However, the bank’s interest income, which is critical to its operations, recorded an increase from ₹393 Cr in Q2 FY 2023 to ₹593 Cr in Q3 FY 2023, underscoring its improving asset quality and lending capabilities.
Profitability and Efficiency Metrics
Equitas Small Finance Bank’s profitability metrics exhibit volatility, with net profit standing at a loss of ₹91 Cr in FY 2025, a significant decline compared to a profit of ₹574 Cr in FY 2023. The bank’s net profit margin stood at 2.32% for FY 2025, a stark drop from 14.56% in FY 2024, highlighting the challenges the bank faces in maintaining profitability. The return on equity (ROE) was recorded at a mere 2.43% in FY 2025, reflecting inefficiencies in capital utilization compared to the sector average, which typically ranges higher. Furthermore, the net interest margin (NIM) was reported at 6.15% for FY 2025, showing a decline from 7.27% in FY 2023. The bank’s cost-to-income ratio stood at 67.95%, indicating that operational costs are consuming a significant portion of revenue, which could raise concerns over long-term sustainability.
Balance Sheet Strength and Financial Ratios
Equitas Small Finance Bank’s balance sheet reveals a total asset value of ₹55,431 Cr as of September 2025, up from ₹34,958 Cr in FY 2023, demonstrating substantial growth. The bank’s reserves have increased to ₹4,718 Cr, reflecting a strong capital base that supports its lending operations. However, the bank’s borrowings saw a rise to ₹3,452 Cr, which could signal increasing leverage and associated risks. The bank’s price-to-book value stood at 1.03, suggesting that the stock is trading close to its book value, which may appeal to value investors. Additionally, the gross NPA ratio has shown improvement, declining to 2.27% in September 2023 from 3.91% in September 2022, indicating better asset quality management. Nonetheless, the net interest income reported a negative financing profit of ₹564 Cr for FY 2025, raising concerns regarding the bank’s profitability and efficiency in managing its interest income.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Equitas Small Finance Bank illustrates a significant shift in ownership dynamics. Promoters hold 0.00% of the shares as of March 2023, a stark contrast to 74.48% in December 2022, indicating a complete divestment. Conversely, foreign institutional investors (FIIs) and domestic institutional investors (DIIs) have increased their stakes, with FIIs holding 15.67% and DIIs at 48.20% as of September 2025. This shift could suggest a growing institutional confidence in the bank’s future prospects despite recent profitability challenges. The public shareholding also stands at 36.13%, with a total of 418,050 shareholders, reflecting a diversifying investor base. However, the drastic reduction in promoter holding may raise questions about governance and long-term strategic direction, which could impact investor sentiment adversely.
Outlook, Risks, and Final Insight
The outlook for Equitas Small Finance Bank hinges on its ability to stabilize profitability amid rising operational costs and declining net margins. While the bank has demonstrated strong revenue growth and improved asset quality, the volatility in net profit and the significant drop in ROE present considerable risks. The bank’s reliance on institutional investors may provide stability, but the absence of promoter support could lead to governance challenges. Additionally, the increasing borrowings raise concerns about financial leverage and risk management. Moving forward, Equitas must focus on enhancing operational efficiency and profitability while maintaining its asset quality to regain investor confidence and ensure sustainable growth. The bank’s ability to navigate these challenges will be critical in determining its long-term viability in the competitive private banking sector.
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 | 1,936 Cr. | 233 | 339/180 | 27.0 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,503 Cr. | 29.1 | 36.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,205 Cr. | 264 | 331/249 | 8.89 | 306 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,590 Cr. | 21.6 | 24.3/16.0 | 21.3 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,551 Cr. | 64.9 | 68.0/30.9 | 25.4 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,384.78 Cr | 354.66 | 17.99 | 214.17 | 0.57% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,063 | 1,156 | 1,254 | 1,359 | 1,429 | 1,445 | 1,501 | 1,555 | 1,612 | 1,644 | 1,649 | 1,617 | 1,692 |
| Interest | 416 | 449 | 511 | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 | 844 | 840 |
| Expenses | 571 | 685 | 662 | 680 | 715 | 758 | 974 | 1,021 | 967 | 1,002 | 1,375 | 969 | 1,027 |
| Financing Profit | 77 | 22 | 81 | 86 | 70 | 28 | -173 | -219 | -149 | -172 | -589 | -195 | -176 |
| Financing Margin % | 7% | 2% | 6% | 6% | 5% | 2% | -12% | -14% | -9% | -10% | -36% | -12% | -10% |
| Other Income | 153 | 239 | 171 | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 | 229 | 289 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 229 | 261 | 252 | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 | 114 |
| Tax % | 26% | 27% | 24% | 26% | 27% | 23% | 28% | 36% | 26% | 21% | -25% | 28% | 21% |
| Net Profit | 170 | 190 | 191 | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 | 90 |
| EPS in Rs | 1.36 | 1.71 | 1.72 | 1.77 | 1.79 | 1.83 | 0.23 | 0.11 | 0.58 | 0.37 | -1.96 | 0.21 | 0.79 |
| Gross NPA % | 3.63% | 2.76% | 2.75% | 2.27% | 2.53% | 2.61% | 2.73% | 2.95% | 2.97% | 2.89% | 2.92% | 2.92% | 2.75% |
| Net NPA % | 1.82% | 1.21% | 1.18% | 0.97% | 1.13% | 1.17% | 0.83% | 0.97% | 0.96% | 0.98% | 0.98% | 0.98% | 0.92% |
Last Updated: February 6, 2026, 2:16 am
Below is a detailed analysis of the quarterly data for Equitas Small Finance Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 840.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 844.00 Cr. (Sep 2025) to 840.00 Cr., marking a decrease of 4.00 Cr..
- For Expenses, as of Dec 2025, the value is 1,027.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 969.00 Cr. (Sep 2025) to 1,027.00 Cr., marking an increase of 58.00 Cr..
- For Other Income, as of Dec 2025, the value is 289.00 Cr.. The value appears strong and on an upward trend. It has increased from 229.00 Cr. (Sep 2025) to 289.00 Cr., marking an increase of 60.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 114.00 Cr.. The value appears strong and on an upward trend. It has increased from 34.00 Cr. (Sep 2025) to 114.00 Cr., marking an increase of 80.00 Cr..
- For Tax %, as of Dec 2025, the value is 21.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.00% (Sep 2025) to 21.00%, marking a decrease of 7.00%.
- For Net Profit, as of Dec 2025, the value is 90.00 Cr.. The value appears strong and on an upward trend. It has increased from 24.00 Cr. (Sep 2025) to 90.00 Cr., marking an increase of 66.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.79. The value appears strong and on an upward trend. It has increased from 0.21 (Sep 2025) to 0.79, marking an increase of 0.58.
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: 17.99)
- 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 10 February 2026) is ₹11.56 which is 82.77% lower the current market price of ₹67.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹7,654 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 7,654 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 10 February 2026?
The current stock price of Equitas Small Finance Bank Ltd as on 10 February 2026 is ₹67.1.
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.