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Consolidated Standalone

Equitas Small Fin.

₹60.6 -0 | 0.1%

Market Cap ₹6910 Cr.

Stock P/E 47

P/B 1.2

Current Price ₹60.6

Book Value ₹ 51.4

Face Value 10

52W High ₹75.5

Dividend Yield 0%

52W Low ₹ 50.1

Edit Ratio

Equitas Small Fin. Research see more...

Overview Inc. Year: 1993Industry: Bank - Private

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.

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Equitas Small Fin. Share Price

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Peer Comparison

Equitas Small Fin. Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Interest Earned 1254 1359 1429 1445 1501 1555 1612 1644 1649 1617
Other Income 171 181 205 240 209 239 238 225 292 229
Total Income 1425 1540 1634 1685 1710 1794 1850 1869 1941 1846
Interest Expense 511 593 644 659 699 753 794 815 863 844
Operating Expenditure 602 617 630 652 670 692 724 744 763 762
Provisions and contingencies 60 63 84 107 305 330 243 258 612 207
Operating Profit 252 267 276 268 36 20 90 53 -297 34
Profit Before Tax 252 267 276 268 36 20 90 53 -297 34
Provision for Tax 61 69 74 61 10 7 23 11 -74 9
Profit After Tax 191 198 202 208 26 13 66 42 -224 24
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 191 198 202 208 26 13 66 42 -224 24
Adjusted Earnings Per Share 1.7 1.8 1.8 1.8 0.2 0.1 0.6 0.4 -2 0.2

Equitas Small Fin. Profit & Loss

#(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 6522
Other Income 71 233 241 283 282 418 538 670 799 911 984
Total Income 479 1214 1784 2395 2928 3612 3997 4831 6285 7223 7506
Interest Expense 155 447 682 960 1150 1396 1421 1617 2407 3060 3316
Operating Expenditure 184 509 881 1008 1180 1329 1704 2038 2501 2829 2993
Provisions and contingencies 10 96 172 102 247 375 494 407 314 1135 1320
Operating Profit 131 161 49 324 351 511 378 769 1063 199 -120
Profit Before Tax 131 161 49 324 351 511 378 769 1063 199 -120
Provision for Tax 46 57 17 113 107 127 97 195 264 52 -31
Profit After Tax 85 104 32 211 244 384 281 574 799 147 -92
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 -92
Adjusted Earnings Per Share 2 1 0.3 2.1 2.3 3.4 2.2 5.2 7 1.3 -0.8

Growth Rates

# 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 -14% 6% 13% NA%
ROE Average 2% 10% 10% 9%
ROCE Average 5% 12% 11% 11%

Equitas Small Fin. Balance Sheet

#(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

Equitas Small Fin. Cash Flow

#(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

Equitas Small Fin. Ratios

# 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

Equitas Small Fin. Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 0 0 0 0 0 0 0 0 0 0
FII 21.45 18.16 19.6 19.5 19.65 16.91 15.42 16.47 16.3 15.67
DII 42.97 43.92 45.65 45.21 45.42 43.66 42.62 42.7 47.13 48.2
Public 35.58 37.92 34.75 35.29 34.93 39.42 41.96 40.82 36.57 36.13
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company is almost debt free.

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 10% over the last 3 years.
  • The company has delivered a poor profit growth of -9% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Equitas Small Fin. News

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