Equitas Small Finance Bank Limited EQUITASBNK NSEFINANCIAL
Company Overview
Equitas Small Finance Bank Limited provides various banking products and services to individuals and corporates, and micro, small, and medium enterprises in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It provides fixed and term deposit products, and savings and current accounts, as well as trust, association, society, and club accounts. The company also offers 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, it provides 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.
Why Investors Should Care
Revenue has grown at a 12.1% CAGR over the past five years.
Trades at a P/E of 15.2, below the sector median of 15.4.
Operating margin of 31.5% supports profitability.
Recent Developments
- Mar 2026 Revenue of ₹4,295.57 Cr (+5.6% YoY); net profit ₹103.08 Cr.
- Trailing 12 Months Year-on-year growth — revenue +19.2%, earnings -29.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 12.1%, profit CAGR -43.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 12.11% |
| 1 Year: | 19.20% |
Compounded Profit Growth
| 5 Years: | -43.57% |
| 1 Year: | -29.90% |
Stock Price Performance
| 1 Year: | +23.15% |
| 6 Months: | +0.42% |
| 3 Months: | -13.77% |
| 1 Month: | -6.64% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)43.65 · Neutral
P/E of 15.16 is below the sector median of 15.36 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 12.1% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -43.6% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | EQUITASBNK Equitas Small Finance Bank Limited NSEFINANCIAL | 67.62 | 15.16 | ₹7,736.62 Cr | 0.00% | - | 1.68% | 12.11% | -43.57% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 706.95 | 15.45 | ₹10.90 L Cr | 1.88% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,385.00 | 17.90 | ₹9.94 L Cr | 0.89% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 963.00 | 10.32 | ₹8.89 L Cr | 1.82% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 926.00 | 28.43 | ₹5.77 L Cr | 0.56% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 437.80 | 21.46 | ₹4.36 L Cr | 0.15% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,210.00 | 13.61 | ₹3.77 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,690.00 | 26.83 | ₹2.70 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 392.05 | 8.26 | ₹2.48 L Cr | 2.59% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 1,056.80 Cr | 1,054.87 Cr | 1,077.43 Cr | 1,141.08 Cr | 1,243.57 Cr | 1,284.69 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | 723.95 Cr | 743.57 Cr | 762.66 Cr | 833.90 Cr | 841.12 Cr | 879.96 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 793.54 Cr | 814.55 Cr | 863.12 Cr | 840.05 Cr | 856.23 Cr | 930.81 Cr |
| Pretax Income | 89.74 Cr | 53.29 Cr | -297.48 Cr | 113.73 Cr | 278.35 Cr | 244.07 Cr |
| Tax Provision | 23.44 Cr | 11.18 Cr | -73.72 Cr | 23.70 Cr | 65.67 Cr | 60.47 Cr |
| Net Income | 66.30 Cr | 42.11 Cr | -223.76 Cr | 90.03 Cr | 212.68 Cr | 183.61 Cr |
| Diluted EPS | 0.58 | 0.37 | -1.96 | 0.79 | 1.86 | 1.60 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 3,048.41 Cr | 3,751.56 Cr | 4,066.29 Cr | 4,295.57 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,983.82 Cr | 2,424.08 Cr | 2,917.53 Cr | 3,101.58 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1,617.15 Cr | 2,406.64 Cr | 3,060.11 Cr | 3,403.07 Cr |
| Pretax Income | - | 768.81 Cr | 1,063.13 Cr | 198.85 Cr | 128.13 Cr |
| Tax Provision | - | 195.22 Cr | 264.17 Cr | 51.80 Cr | 25.05 Cr |
| Net Income | - | 573.59 Cr | 798.96 Cr | 147.05 Cr | 103.08 Cr |
| Diluted EPS | - | 4.67 | 7.01 | 1.29 | 0.90 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 34,958.13 Cr | 45,303.87 Cr | 52,835.63 Cr | 60,610.36 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 1,244.26 Cr | 3,578.95 Cr | 5,536.30 Cr | 5,666.28 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 505.56 Cr | 482.95 Cr | 623.34 Cr | 684.91 Cr |
| Total Liabilities | - | 29,800.18 Cr | 39,335.17 Cr | 46,763.11 Cr | 54,485.53 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,973.76 Cr | 1,787.53 Cr | 2,136.99 Cr | 5,772.55 Cr |
| Total Equity | - | 5,157.95 Cr | 5,968.70 Cr | 6,072.52 Cr | 6,124.83 Cr |
| Shares Outstanding | - | 111.06 Cr | 113.49 Cr | 113.99 Cr | 114.10 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -997.67 Cr | 3,833.54 Cr | 1,936.82 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 Cr | 259.20 Cr | 3,641.25 Cr |
| Capital Expenditure | - | -265.67 Cr | -363.55 Cr | -244.68 Cr | -193.16 Cr |
| Free Cash Flow | - | -1,263.33 Cr | 3,469.98 Cr | 1,692.14 Cr | -3,509.00 Cr |
| Net Change in Cash | - | -888.26 Cr | 2,263.59 Cr | 1,957.35 Cr | 140.00 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 18.8% | 21.3% | 3.6% | 2.4% |
| ROE % | - | 11.1% | 13.4% | 2.4% | 1.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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EQUITASBNK — Frequently Asked Questions
What is the current share price of Equitas Small Finance Bank Limited (EQUITASBNK)?
As of 2026-10-23 04:58 IST, Equitas Small Finance Bank Limited (EQUITASBNK) trades at ₹67.62 on NSE. Its 52-week range is ₹50.27 to ₹83.07.
What is the market capitalisation of EQUITASBNK?
Equitas Small Finance Bank Limited (EQUITASBNK) has a market capitalisation of ₹7,736.62 Cr on NSE.
What is the P/E ratio of EQUITASBNK?
EQUITASBNK trades at a trailing price-to-earnings (P/E) ratio of 15.16. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.23.
What is the return on equity (ROE) of EQUITASBNK?
EQUITASBNK has a return on equity (ROE) of 1.68%.
Is EQUITASBNK a good stock to buy?
This page provides a data-driven analysis of Equitas Small Finance Bank Limited (EQUITASBNK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.