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Fundamental Analysis of Equitas Small Finance Bank Ltd

About the Company - Equitas Small Finance Bank Ltd

No data availabale for About the Company
INDUSTRYADDRESSCONTACT
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Basic Stock Data of Equitas Small Finance Bank Ltd

Market Cap 10,490 Cr.
Current Price 93.0
High / Low102/50.5
Stock P/E14.0
Book Value 46.4
Dividend Yield1.06 %
ROCE8.04 %
ROE12.2 %
Face Value 10.0

Equitas Small Finance Bank Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue7988578188198449018969401,0021,0631,1561,2541,359
Interest336373370358360360343360393416449511593
Expenses380489474550579529540587602571685662680
Financing Profit81-6-26-89-951213-7777228186
Financing Margin %10%-1%-3%-11%-11%1%1%-1%1%7%2%6%6%
Other Income55155178104152134148133145153239171181
Depreciation0000000000000
Profit before tax1361491531457146161127152229261252267
Tax %24%26%26%16%28%26%26%23%24%26%27%24%26%
Net Profit103111113124110812097116170190191198
EPS in Rs0.980.970.990.100.360.940.950.770.931.361.711.721.77
Gross NPA %2.48%4.16%3.59%4.76%4.82%4.39%4.24%4.10%3.91%3.63%2.76%2.75%2.27%
Net NPA %1.03%1.71%1.52%2.38%2.46%2.38%2.47%2.15%1.97%1.82%1.21%1.18%0.97%

Equitas Small Finance Bank Ltd Quarterly Chart

Equitas Small Finance Bank Ltd Profit & Loss

MonthMar 2011Mar 2012Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue064089811,5432,1122,6453,1943,4604,1624,832
Interest021594606849641,1501,3961,4211,6171,969
Expenses0172305619641,0151,3041,6282,1232,3612,598
Financing Profit-0-1319-40-105133191170-84184265
Financing Margin %-1,100%-208%5%-4%-7%6%7%5%-2%4%5%
Other Income0071233241283282418538670744
Depreciation005328892967675850
Profit before tax-0-1385161493243775113787691,009
Tax %0%0%0%36%34%35%35%25%26%25%
Net Profit-0-138510432211244384281574750
EPS in Rs-3.96-2.132.011.040.322.092.313.372.245.166.56
Dividend Payout %0%0%0%0%0%0%0%0%0%19%

Equitas Small Finance Bank Ltd Profit & Loss Yearly Chart

Equitas Small Finance Bank Ltd Growth

Compounded Sales Growth
10 Years::%
5 Years::22%
3 Years::16%
TTM::29%

Equitas Small Finance Bank Ltd Growth

Compounded Profit Growth
10 Years::%
5 Years::78%
3 Years::33%
TTM::70%

Equitas Small Finance Bank Ltd Growth

Stock Price CAGR
10 Years::%
5 Years::%
3 Years::40%
1 Year::77%

Equitas Small Finance Bank Ltd Growth

Return on Equity
10 Years::%
5 Years::10%
3 Years::11%
Last Year::12%

Equitas Small Finance Bank Ltd Balance Sheet

MonthMar 2011Mar 2012Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital6614231,0061,0061,0061,0531,1391,2521,1111,122
Reserves-0-132881,0061,0381,2481,6912,2572,9944,047
Borrowings0441,6386,70010,78112,98015,92320,55721,56728,354
Other Liabilities014655334855296287551,1341,446
Total Liabilities51052,4149,24513,31015,76319,29624,70826,94834,958
Fixed Assets0411274280236210184189338
CWIP0001512211141
Investments0001,8903,8572,3442,3433,7054,4506,665
Other Assets51022,4037,0669,17213,18116,74020,81822,29727,914
Total Assets51052,4149,24513,31015,76319,29624,70826,94834,958

Equitas Small Finance Bank Ltd Reserves and Borrowings Chart

Equitas Small Finance Bank Ltd Cash Flow

MonthMar 2011Mar 2012Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -3361,3342131,7994402,044159-998
Cash from Investing Activity -9-405-11-7-72-43-8949
Cash from Financing Activity 168-563-28-1,706908-1,154-1,31760
Net Cash Flow-177366173861,276847-1,246-888

Equitas Small Finance Bank Ltd Financial Efficiency Indicators

MonthMar 2011Mar 2012Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %-49%8%2%10%10%13%7%12%

Equitas Small Finance Bank Ltd Financial Efficiency Indicators Chart

No valid data available for the Shareholding

Equitas Small Finance Bank Ltd Shareholding Pattern Chart

No. of Equitas Small Finance Bank Ltd Shareholders

Equitas Small Finance Bank Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
HDFC Small Cap Fund - Regular Plan519623492.08481.95
Franklin India Smaller Companies Fund480640814.6445.79
SBI Long Term Equity Fund304726931.79282.63
SBI Contra Fund299855461.67278.12
Franklin India Prima Fund235803552.57218.71
Canara Robeco Small Cap Fund192416492.27178.47
Nippon India Banking & Financial Services Fund134780772.72125.01
DSP Small Cap Fund129118621.01119.76
Invesco India Focused 20 Equity Fund126615476.82117.44
Nippon India Small Cap Fund110993640.28102.95

Equitas Small Finance Bank Ltd ROCE Trend

Equitas Small Finance Bank Ltd EPS Trend

Equitas Small Finance Bank Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)4.712.433.532.392.09
Diluted EPS (Rs.)4.672.403.492.392.09
Cash EPS (Rs.)5.932.844.043.233.00
Book Value[Excl.RevalReserv]/Share (Rs.)46.4433.9129.8126.0522.41
Book Value[Incl.RevalReserv]/Share (Rs.)46.4433.9129.8126.0522.41
Operating Revenue / Share (Rs.)37.4827.6328.0425.1120.99
Net Profit / Share (Rs.)5.162.243.372.312.09
Interest Income / Employee (Rs.)2023964.451964939.681929459.531642520.741445738.29
Net Profit / Employee (Rs.)278943.00159443.29232074.90151269.96144144.37
Business / Employee (Rs.)24888932.7421766912.7620077264.0715233855.0914103053.67
Interest Income / Branch (Rs.)47564321.1440181989.5537101198.6130977094.8521397512.66
Net Profit / Branches (Rs.)6555320.003260531.944462522.652852873.542133395.14
Business / Branches (Rs.)584904141.71445121989.55386061770.03287302658.08208730909.83
Net Profit Margin (%)13.788.1112.029.209.97
Operating Profit Margin (%)-2.30-7.42-1.05-1.46-3.42
Return On Assets (%)1.641.041.551.261.33
Return On Equity / Networth (%)11.126.6111.318.879.34
Net Interest Margin (X)7.277.567.277.747.30
Cost To Income (%)54.6557.4250.7052.3951.11
Interest Income / Total Assets (%)11.9012.8312.9213.6913.39
Non-Interest Income / Total Assets (%)1.911.991.691.461.79
Operating Profit / Total Assets (%)-0.27-0.95-0.13-0.20-0.45
Operating Expenses / Total Assets (%)5.836.325.376.106.39
Interest Expenses / Total Assets (%)4.625.275.655.956.09
Enterprise Value (Rs.Cr.)34628.9227014.3326883.850.000.00
EV Per Net Sales (X)8.327.818.420.000.00
Price To Book Value (X)1.441.512.010.000.00
Price To Sales (X)1.791.852.140.000.00
Retention Ratios (%)100.00100.00100.00100.00100.00
Earnings Yield (X)0.070.040.050.000.00

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 of Equitas Small Finance Bank Ltd Stock

Fair Value: ₹80.09

The stock is overvalued by 13.88% compared to the current price ₹93

*This is not Investment Advice

Strength and Weakness of Equitas Small Finance Bank Ltd Stock

Unable to fetch valid data for stock valuation.

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