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Equitas Small Finance Bank Limited EQUITASBNK NSEFINANCIAL

Financial Services · Banks - Regional · India
https://equitas.bank.in

Equitas Small Finance Bank Limited provides various banking products and services to individuals and corporates, and micro, small, and medium enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers fixed and term deposit products, and savings and current accounts, as well as trust, association, society, and club accounts. It also provides various loans, such as small business loans; vehicle financing, including used and new commercial vehicles and passenger cars; microfinance and microloans; affordable housing finance; MSE and NBFC finance; gold and staff loans; credit cards; and personal loans. In addition, the company offers lockers; forex services; life insurance products, including traditional, term, and ULIP; general insurance products, such as motor, fire, PA, and Sachet; health insurance products, including SAHI plans; mutual funds; FASTag; and the three-in-one account, comprising bank, demat, and trading. It serves children and senior citizens, non-resident Indians (NRIs), and farmers through banking outlets, offices, and ATMs. The company was formerly known as Equitas Finance Limited. Equitas Small Finance Bank Limited was incorporated in 1993 and is based in Chennai, India.

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₹70.21
+10.39% 1Y

Market & Price

Market Cap
₹8,014.98 Cr
Current Price
₹70.21
High / Low (52W)
₹73.49 / ₹50.27
Beta
0.41

Valuation

Stock P/E
78.01
Industry PE
19.12
Forward P/E
8.06
PEG Ratio
-
Book Value
₹53.56
Price to Book
1.31
P/S
1.80
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
1.69%
ROA
0.18%
Profit Margin
2.31%
Op Margin
32.36%
EPS (Latest Qtr)
₹1.86
EPS (TTM)
₹0.90

Balance Sheet & Liquidity

Debt/Equity
0.94
Quick Ratio
0.12
Current Ratio
1.04
Debt
₹5,772.55 Cr
Total Assets
₹60,610.36 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
12.12%
Chg in Prom Hold
-
FII / Inst Holding
53.93%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹8,134.47 Cr
Total Revenue (TTM)
₹4,464.72 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-3,315.83 Cr
Shares Outstanding
₹114.16 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
13.56%
Profit 5Y
-43.57%
Revenue (YoY)
17.90%
Earnings (YoY)
402.70%

PROS

  • Compounding revenue at 13.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 78.0.
  • Earnings shrank at -43.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EQUITASBNK Equitas Small Finance Bank Limited NSEFINANCIAL 70.21 78.01 ₹8,014.98 Cr - - 1.69% 13.56% -43.57%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 1,056.80 Cr1,054.87 Cr1,077.43 Cr1,141.08 Cr1,243.57 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 723.95 Cr743.57 Cr762.66 Cr833.90 Cr841.12 Cr
Operating Income -----
EBITDA -----
Interest Expense 793.54 Cr814.55 Cr863.12 Cr840.05 Cr856.23 Cr
Pretax Income 89.74 Cr53.29 Cr-297.48 Cr113.73 Cr278.35 Cr
Tax Provision 23.44 Cr11.18 Cr-73.72 Cr23.70 Cr65.67 Cr
Net Income 66.30 Cr42.11 Cr-223.76 Cr90.03 Cr212.68 Cr
Diluted EPS 0.580.37-1.960.791.86

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -3,048.41 Cr3,751.56 Cr4,163.10 Cr4,464.72 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -1,983.82 Cr2,424.08 Cr2,828.83 Cr3,199.75 Cr
Operating Income -----
EBITDA -----
Interest Expense -1,617.15 Cr2,406.64 Cr3,060.11 Cr3,403.07 Cr
Pretax Income -768.81 Cr1,063.13 Cr198.85 Cr128.13 Cr
Tax Provision -195.22 Cr264.17 Cr51.80 Cr25.05 Cr
Net Income -573.59 Cr798.96 Cr147.05 Cr103.08 Cr
Diluted EPS 2.404.677.011.29-

Compounded Sales Growth

5 Years:13.56%
1 Year:17.90%

Compounded Profit Growth

5 Years:-43.57%
1 Year:402.70%

Stock Price Performance

1 Year:+10.39%
6 Months:+8.07%
3 Months:+5.66%
1 Month:+4.93%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -34,958.13 Cr45,303.87 Cr52,835.63 Cr60,610.36 Cr
Current Assets -----
Cash & Equivalents -1,244.26 Cr3,578.95 Cr5,536.30 Cr5,666.28 Cr
Inventory -----
Receivables 449.03 Cr505.56 Cr482.95 Cr623.34 Cr-
Total Liabilities -29,800.18 Cr39,335.17 Cr46,763.11 Cr54,485.53 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -2,973.76 Cr1,787.53 Cr2,136.99 Cr5,772.55 Cr
Total Equity -5,157.95 Cr5,968.70 Cr6,072.52 Cr6,124.83 Cr
Shares Outstanding -111.06 Cr113.49 Cr113.99 Cr114.10 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --997.67 Cr3,833.54 Cr1,936.82 Cr-3,315.83 Cr
Investing Cash Flow --261.26 Cr-359.73 Cr-238.67 Cr-185.42 Cr
Financing Cash Flow -60.11 Cr-1,210.22 Cr259.20 Cr3,641.25 Cr
Capital Expenditure --265.67 Cr-363.55 Cr-244.68 Cr-193.16 Cr
Free Cash Flow --1,263.33 Cr3,469.98 Cr1,692.14 Cr-3,509.00 Cr
Net Change in Cash --888.26 Cr2,263.59 Cr1,957.35 Cr140.00 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -18.8%21.3%3.5%2.3%
ROE % -11.1%13.4%2.4%1.7%
ROCE % -----

Shareholding Pattern

Insiders
12.12%
Institutions
53.93%
Public Float
61.37%

Analyst View

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