Fundamental Analysis of Equitas Small Finance Bank Ltd
About the Company - Equitas Small Finance Bank Ltd
Equitas Small Finance Bank Ltd. is a Public Limited Listed company incorporated on 21/06/1993 and has its registered office in the State of Tamil Nadu, India. Company’s Corporate Identification Number(CIN) is L65191TN1993PLC025280 and registration number is 025280. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company’s Total Operating Revenue is Rs. 3459.67 Cr. and Equity Capital is Rs. 1252.03 Cr. for the Year ended 31/03/2022.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
4th Floor, Phase II, Chennai (Madras) Tamil Nadu 600002
Equitas Small Finance Bank Ltd Key Financial Ratios
Month
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Face Value
10.00
10.00
10.00
10.00
10.00
Basic EPS (Rs.)
7.12
4.71
2.43
3.53
2.39
Diluted EPS (Rs.)
7.01
4.67
2.40
3.49
2.39
Cash EPS (Rs.)
7.04
5.93
2.84
4.04
3.23
Book Value[Excl.RevalReserv]/Share (Rs.)
52.59
46.44
33.91
29.81
26.05
Book Value[Incl.RevalReserv]/Share (Rs.)
52.59
46.44
33.91
29.81
26.05
Dividend / Share (Rs.)
1.00
0.00
0.00
0.00
0.00
Operating Revenue / Share (Rs.)
48.34
37.48
27.63
28.04
25.11
Net Profit / Share (Rs.)
7.04
5.16
2.24
3.37
2.31
Interest Income / Employee (Rs.)
0.00
2023964.45
1964939.68
1929459.53
1642520.74
Net Profit / Employee (Rs.)
0.00
278943.00
159443.29
232074.90
151269.96
Business / Employee (Rs.)
0.00
24888932.74
21766912.76
20077264.07
15233855.09
Interest Income / Branch (Rs.)
0.00
47564321.14
40181989.55
37101198.61
30977094.85
Net Profit / Branches (Rs.)
0.00
6555320.00
3260531.94
4462522.65
2852873.54
Business / Branches (Rs.)
0.00
584904141.71
445121989.55
386061770.03
287302658.08
Net Profit Margin (%)
14.56
13.78
8.11
12.02
9.20
Operating Profit Margin (%)
0.00
-2.30
-7.42
-1.05
-1.46
Return On Assets (%)
1.76
1.64
1.04
1.55
1.26
Return On Equity / Networth (%)
13.38
11.12
6.61
11.31
8.87
Net Interest Margin (X)
6.79
7.27
7.56
7.27
7.74
Cost To Income (%)
48.99
54.65
57.42
50.70
52.39
Interest Income / Total Assets (%)
12.11
11.90
12.83
12.92
13.69
Non-Interest Income / Total Assets (%)
1.76
1.91
1.99
1.69
1.46
Operating Profit / Total Assets (%)
0.00
-0.27
-0.95
-0.13
-0.20
Operating Expenses / Total Assets (%)
5.52
5.83
6.32
5.37
6.10
Interest Expenses / Total Assets (%)
5.31
4.62
5.27
5.65
5.95
Enterprise Value (Rs.Cr.)
44903.87
34628.92
27014.33
26883.85
0.00
EV Per Net Sales (X)
8.18
8.32
7.81
8.42
0.00
Price To Book Value (X)
1.76
1.44
1.51
2.01
0.00
Price To Sales (X)
1.91
1.79
1.85
2.14
0.00
Retention Ratios (%)
100.00
100.00
100.00
100.00
100.00
Earnings Yield (X)
0.07
0.07
0.04
0.05
0.00
Equitas Small Finance Bank Ltd Profitability Ratios (%)
Equitas Small Finance Bank Ltd Liquidity Ratios
Equitas Small Finance Bank Ltd Liquidity Ratios (%)
Equitas Small Finance Bank Ltd Interest Coverage Ratios (%)
Equitas Small Finance Bank Ltd Valuation Ratios
Fair Value
Fair Value: 113.49
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
Undervalued: 30.44% compared to the current price 87
Intrinsic Value: 141.62
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators along with EPS growth.
Undervalued: 62.78% compared to the current price 87
Last 5 Year EPS CAGR: 24.79%
*Investments are subject to market risks
Strength and Weakness of Equitas Small Finance Bank Ltd Stock
Unable to fetch valid data for stock valuation.
FAQ
What is the latest fair value of Equitas Small Finance Bank Ltd?
The latest fair value of Equitas Small Finance Bank Ltd is ₹113.49.
What is the Market Cap of Equitas Small Finance Bank Ltd?
The Market Cap of Equitas Small Finance Bank Ltd is 9,878 Cr..
What is the current Stock Price of Equitas Small Finance Bank Ltd as on 26 July 2024?
The current stock price of Equitas Small Finance Bank Ltd as on 26 July 2024 is 87.0.
What is the High / Low of Equitas Small Finance Bank Ltd stocks in FY 2024?
In FY 2024, the High / Low of Equitas Small Finance Bank Ltd stocks is 116/82.1.
What is the Stock P/E of Equitas Small Finance Bank Ltd?
The Stock P/E of Equitas Small Finance Bank Ltd is 15.6.
What is the Book Value of Equitas Small Finance Bank Ltd?
The Book Value of Equitas Small Finance Bank Ltd is 46.4.
What is the Dividend Yield of Equitas Small Finance Bank Ltd?
The Dividend Yield of Equitas Small Finance Bank Ltd is 1.15 %.
What is the ROCE of Equitas Small Finance Bank Ltd?
The ROCE of Equitas Small Finance Bank Ltd is 10.4 %.
What is the ROE of Equitas Small Finance Bank Ltd?
The ROE of Equitas Small Finance Bank Ltd is 15.5 %.
What is the Face Value of Equitas Small Finance Bank Ltd?
The Face Value of Equitas Small Finance Bank Ltd is 10.0.
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Equitas Small Finance Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
