WEBSITE BSE:543243 NSE: EQUITASBNK Inc. Year: 1993 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:53
Equitas Small Finance Bank Ltd gives various banking products and services to people, small and medium organisations, and corporates mainly in India. The agency operates via Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers fixed and other deposit products; financial savings; enterprise, income, TASC, and current ac; gold, home, used vehicle, enterprise, and MSME loans, in addition to loans against belongings; investment offerings; general, life, and health insurances; pension schemes; vehic...Read More
Equitas Small Finance Bank Ltd gives various banking products and services to people, small and medium organisations, and corporates mainly in India. The agency operates via Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers fixed and other deposit products; financial savings; enterprise, income, TASC, and current ac; gold, home, used vehicle, enterprise, and MSME loans, in addition to loans against belongings; investment offerings; general, life, and health insurances; pension schemes; vehicle, NBFC, and micro financing services; certificates of deposits; payments and collection solutions; fund transfer services; and debit cards. The company also affords online and mobile banking offerings; and products for agri enterprise. It has 861 banking retailers and 332 ATMs. The agency was previously referred to as Equitas Finance Ltd and changed its name to Equitas Small Finance Bank Ltd in September 2016. The business enterprise incorporated in 1993 and is based in Chennai, India. Equitas Small Finance Bank Ltd is a subsidiary of Equitas Holdings Ltd. ...Read Less
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Market Cap ₹7445 Cr.
Stock P/E 50.6
P/B 1.3
Current Price ₹65.2
Book Value ₹ 52.1
Face Value 10
52W High ₹73.4
Dividend Yield 0%
52W Low ₹ 50.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1359 | 1429 | 1445 | 1501 | 1555 | 1612 | 1644 | 1649 | 1617 | 1692 |
| Other Income | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 | 229 | 289 |
| Total Income | 1540 | 1634 | 1685 | 1710 | 1794 | 1850 | 1869 | 1941 | 1846 | 1981 |
| Interest Expense | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 | 844 | 840 |
| Operating Expenditure | 617 | 630 | 652 | 670 | 692 | 724 | 744 | 763 | 762 | 834 |
| Provisions and contingencies | 63 | 84 | 107 | 305 | 330 | 243 | 258 | 612 | 207 | 193 |
| Operating Profit | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 | 114 |
| Profit Before Tax | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 | 114 |
| Provision for Tax | 69 | 74 | 61 | 10 | 7 | 23 | 11 | -74 | 9 | 24 |
| Profit After Tax | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 | 90 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 | 90 |
| Adjusted Earnings Per Share | 1.8 | 1.8 | 1.8 | 0.2 | 0.1 | 0.6 | 0.4 | -2 | 0.2 | 0.8 |
| #(Fig in Cr.) | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 408 | 981 | 1543 | 2112 | 2645 | 3194 | 3460 | 4162 | 5486 | 6312 | 6602 |
| Other Income | 71 | 233 | 241 | 283 | 282 | 418 | 538 | 670 | 799 | 911 | 1035 |
| Total Income | 479 | 1214 | 1784 | 2395 | 2928 | 3612 | 3997 | 4831 | 6285 | 7223 | 7637 |
| Interest Expense | 155 | 447 | 682 | 960 | 1150 | 1396 | 1421 | 1617 | 2407 | 3060 | 3362 |
| Operating Expenditure | 184 | 509 | 881 | 1008 | 1180 | 1329 | 1704 | 2038 | 2501 | 2829 | 3103 |
| Provisions and contingencies | 10 | 96 | 172 | 102 | 247 | 375 | 494 | 407 | 314 | 1135 | 1270 |
| Operating Profit | 131 | 161 | 49 | 324 | 351 | 511 | 378 | 769 | 1063 | 199 | -96 |
| Profit Before Tax | 131 | 161 | 49 | 324 | 351 | 511 | 378 | 769 | 1063 | 199 | -96 |
| Provision for Tax | 46 | 57 | 17 | 113 | 107 | 127 | 97 | 195 | 264 | 52 | -30 |
| Profit After Tax | 85 | 104 | 32 | 211 | 244 | 384 | 281 | 574 | 799 | 147 | -68 |
| Adjustments | 0 | 126 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 85 | 230 | 32 | 211 | 244 | 384 | 281 | 574 | 799 | 147 | -68 |
| Adjusted Earnings Per Share | 2 | 1 | 0.3 | 2.1 | 2.3 | 3.4 | 2.2 | 5.2 | 7 | 1.3 | -0.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 22% | 19% | 0% |
| Operating Profit CAGR | -81% | -19% | -11% | 0% |
| PAT CAGR | -82% | -19% | -10% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -4% | -2% | 5% | NA% |
| ROE Average | 2% | 10% | 10% | 9% |
| ROCE Average | 5% | 12% | 11% | 11% |
| #(Fig in Cr.) | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 711 | 2012 | 2044 | 2254 | 2744 | 3396 | 4246 | 5158 | 5969 | 6073 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 0 | 1921 | 5604 | 9007 | 10788 | 16392 | 18951 | 25348 | 36129 | 43107 |
| Borrowings | 1638 | 4779 | 5177 | 3973 | 5135 | 4165 | 2616 | 2974 | 1788 | 2137 |
| Other Liabilities & Provisions | 65 | 533 | 485 | 529 | 628 | 755 | 1134 | 1478 | 1418 | 1519 |
| Total Liabilities | 2414 | 9245 | 13310 | 15763 | 19296 | 24708 | 26948 | 34958 | 45304 | 52836 |
| Cash and balance with RBI | 5 | 248 | 386 | 403 | 381 | 515 | 2077 | 1174 | 3500 | 4954 |
| Bank Balance | 96 | 866 | 825 | 858 | 2156 | 2864 | 56 | 70 | 79 | 582 |
| Investments | 0 | 1890 | 3857 | 2344 | 2343 | 3705 | 4450 | 6665 | 9065 | 9289 |
| Advances | 2227 | 5702 | 7707 | 11595 | 13728 | 16848 | 19374 | 25799 | 30964 | 36209 |
| Fixed Assets | 11 | 274 | 280 | 236 | 210 | 184 | 189 | 338 | 537 | 531 |
| Other Assets | 75 | 251 | 254 | 325 | 475 | 591 | 791 | 872 | 1091 | 1106 |
| Total Assets | 2414 | 9245 | 13310 | 15763 | 19296 | 24708 | 26948 | 34958 | 45304 | 52836 |
| #(Fig in Cr.) | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 271 | 94 | 996 | 1169 | 1255 | 2531 | 3379 | 2133 | 1244 | 3508 |
| Cash Flow from Operating Activities | -336 | 1334 | 206 | 1799 | 440 | 2044 | 159 | -998 | 3834 | 1937 |
| Cash Flow from Investing Activities | -9 | -405 | -4 | -7 | -72 | -43 | -89 | -261 | -360 | -239 |
| Cash Flow from Financing Activities | 168 | -563 | -28 | -1706 | 908 | -1154 | -1317 | 60 | -1210 | 259 |
| Net Cash Inflow / Outflow | -177 | 366 | 173 | 86 | 1276 | 847 | -1246 | -1199 | 2264 | 1957 |
| Closing Cash & Cash Equivalent | 94 | 996 | 1169 | 1255 | 2531 | 3379 | 2133 | 1244 | 3508 | 5465 |
| # | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 2.01 | 1.04 | 0.32 | 2.09 | 2.31 | 3.37 | 2.24 | 5.16 | 7.04 | 1.29 |
| CEPS(Rs) | 2.12 | 1.35 | 1.19 | 3.01 | 3.23 | 4.04 | 2.84 | 5.93 | 8.22 | 2.59 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Book NAV/Share(Rs) | 16.81 | 20 | 20.32 | 22.41 | 26.05 | 29.81 | 33.9 | 46.39 | 52.23 | 52.78 |
| Yield on Advances | 18.33 | 17.21 | 20.02 | 18.21 | 19.27 | 18.96 | 17.86 | 16.13 | 17.72 | 17.43 |
| Yield on Investments | 0 | 3.83 | 4.43 | 11.14 | 6.87 | 7.13 | 6.49 | 5.06 | 7.1 | 8.53 |
| Cost of Liabilities | 9.48 | 6.67 | 6.33 | 7.4 | 7.22 | 6.79 | 6.59 | 5.71 | 6.35 | 6.76 |
| NIM (Net Interest Margin) | 10.87 | 6.13 | 6.74 | 7.58 | 8.04 | 7.51 | 7.85 | 7.55 | 7.06 | 6.37 |
| Interest Spread | 8.85 | 10.53 | 13.69 | 10.82 | 12.05 | 12.17 | 11.27 | 10.42 | 11.37 | 10.67 |
| ROA(%) | 3.53 | 1.79 | 0.28 | 1.45 | 1.39 | 1.75 | 1.09 | 1.85 | 1.99 | 0.3 |
| ROE(%) | 11.97 | 7.65 | 1.57 | 9.8 | 9.75 | 12.51 | 7.35 | 12.21 | 14.42 | 2.46 |
| ROCE(%) | 12.18 | 12.53 | 6.94 | 11.51 | 10.82 | 12.15 | 9.21 | 13.71 | 16.66 | 4.62 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 17.81 | 22.81 | 12.99 | 13.13 | 42.63 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 2.01 | 1.51 | 1.45 | 1.77 | 1.04 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.49 | 1.08 | 0 |
| EV/Net Sales(x) | 5.05 | 5.9 | 4.01 | 2.36 | 2.34 | 3.45 | 2.61 | 2.5 | 2.24 | 1.33 |
| EV/Core EBITDA(x) | 14.65 | 22.43 | 28.02 | 11.68 | 10.36 | 12.41 | 10.35 | 8.86 | 8.91 | 6.3 |
| Interest Earned Growth(%) | 0 | 140.36 | 57.25 | 36.9 | 25.26 | 20.75 | 8.3 | 20.3 | 31.83 | 15.04 |
| Net Profit Growth | 0 | 22.34 | -69.43 | 561.5 | 15.7 | 57.7 | -26.94 | 104.32 | 39.29 | -81.59 |
| Advances Growth | 0 | 156.05 | 35.16 | 50.45 | 18.4 | 22.73 | 14.99 | 33.16 | 20.02 | 16.94 |
| EPS Growth(%) | 0 | -48.56 | -69.43 | 561.5 | 10.49 | 45.82 | -33.52 | 130.35 | 36.3 | -81.67 |
| Loans/Deposits(x) | 0 | 248.73 | 92.39 | 44.11 | 47.6 | 25.41 | 13.81 | 11.73 | 4.95 | 4.96 |
| Cash/Deposits(x) | 0 | 0.13 | 0.07 | 0.04 | 0.04 | 0.03 | 0.11 | 0.05 | 0.1 | 0.11 |
| Current Ratio(x) | 0 | 0.98 | 0.69 | 0.26 | 0.22 | 0.23 | 0.23 | 0.26 | 0.25 | 0.22 |
| Quick Ratio(x) | 0 | 248.73 | 92.39 | 44.11 | 47.6 | 25.41 | 13.81 | 11.73 | 4.95 | 4.96 |
| CASA % | 0 | 17.26 | 29.23 | 25.25 | 20.47 | 34.25 | 52.01 | 42.23 | 31.98 | 28.79 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 19.6 | 19.5 | 19.65 | 16.91 | 15.42 | 16.47 | 16.3 | 15.67 | 14.63 | 14.74 |
| DII | 45.65 | 45.21 | 45.42 | 43.66 | 42.62 | 42.7 | 47.13 | 48.2 | 49.95 | 50.88 |
| Public | 34.75 | 35.29 | 34.93 | 39.42 | 41.96 | 40.82 | 36.57 | 36.13 | 35.42 | 34.39 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 22.18 | 22.13 | 22.32 | 19.26 | 17.57 | 18.78 | 18.58 | 17.87 | 16.69 | 16.81 |
| DII | 51.65 | 51.3 | 51.6 | 49.71 | 48.56 | 48.67 | 53.74 | 54.97 | 56.98 | 58.05 |
| Public | 39.32 | 40.05 | 39.68 | 44.88 | 47.81 | 46.53 | 41.7 | 41.21 | 40.4 | 39.24 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 113.15 | 113.49 | 113.61 | 113.85 | 113.93 | 113.99 | 114.03 | 114.05 | 114.07 | 114.1 |
* The pros and cons are machine generated.
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