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Equitas Small Fin. share price

Equitas Small Finance Bank Ltd.

NSE: EQUITASBNK BSE: 543243 SECTOR: Bank - Private  141k   997   252

92.41
-0.45 (-0.48%)
BSE: 28 Mar 04:01 PM

Price Summary

Today's High

₹ 94.07

Today's Low

₹ 91.9

52 Week High

₹ 116.5

52 Week Low

₹ 64.9

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

10487.49 Cr.

CASA %

42.28

No. of Shares

113.49 Cr.

P/E

13.42

P/B

1.84

Face Value

₹ 10

Div. Yield

1.08 %

Book Value (TTM)

₹  50.17

Net Interest Income

2544.72 Cr.

Cost To Income %

63.41

Promoter Holding

0 %

EPS (TTM)

₹  6.89

CAR %

23.8

ROE

12.21 %

ROCE

13.71%

Profit Growth

104.32 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year12.21%
3 Year10.69%
5 Year10.32%

ROA%

1 Year1.85%
3 Year1.56%
5 Year1.5%

Net NPA%

1 Year1.21%
3 Year1.7%
5 Year1.64%

 NIM

1 Year7.55%
3 Year7.64%
5 Year7.71%

CAR %

23.8

Cost of Liabilities %

5.70337831957137

PEG Ratio

0.1

Advances Growth %

33.1592974700486

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 0 0
Sep 2023 0 0
Jun 2023 0 0
Mar 2023 0 0
Dec 2022 74.48 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.56211485166278% since last 3 years.
  • The company has been consistently maintaining a NIM of 7.63862153844257% since last 3 years.
  • CASA stands at 42.284085835504% of total deposits.
  • Good Capital Adequacy Ratio of 23.8%.
  • The company has delivered good Profit growth of 33.0313054513508% over the past 3 years.
  • Strong Advances growth of 23.4033167816476% in the last 3 years.

 Limitations

  • High Cost to income ratio of 63.413375294025%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 1063.39 1155.73 1253.96 1358.99 1428.8
Other Income 152.64 238.69 171.37 181.37 205.48
Interest Expended 415.89 448.77 510.82 593.41 643.65
Operating Expenses 521.03 559.26 602.39 616.77 630.31
Total Provisions 49.9 125.6 60.07 63.2 84.38
Profit Before Tax 229.21 260.79 252.05 266.99 275.93
Tax 59.08 70.75 60.85 68.86 73.93
Net Profit 170.13 190.04 191.2 198.14 202
Net NPA % 1.82 1.21 1.18 0.97 1.13
Gross NPA % 3.63 2.76 2.75 2.27 2.53
Return on Assets % 0.53 0.56 0.51 0.49 0.48
NPM % 16 16.44 15.25 14.58 14.14

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 2111.93 2645.44 3194.41 3459.67 4161.88
Other Income 282.9 282.35 418.05 537.56 669.59
Interest Expended 960.2 1150.14 1396.45 1421.13 1617.15
Operating Expenses 1008.49 1180.08 1329.43 1704.15 2038.3
Total Provisions 102.41 246.64 375.32 493.84 407.2
Profit Before Tax 323.74 350.94 511.26 378.11 768.81
Taxes 113.17 107.3 127.04 97.38 195.22
Net Profit 210.57 243.64 384.22 280.73 573.59
Adjusted EPS (Rs.) 2.09 2.31 3.37 2.24 5.16

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 1005.94 1053.4 1139.28 1252.03 1110.56
Total Reserves 1248.38 1690.75 2257.06 2992.87 4041.7
Deposits 9006.74 10788.41 16391.97 18950.8 25380.56
Borrowings 3973.03 5134.87 4165.32 2616.4 2973.76
Other Liabilities 528.61 628.12 754.84 1134.26 1445.87
Total Liabilities 15762.69 19295.55 24708.47 26947.62 34958.13
Assets
Balance with RBI 402.7 380.86 514.81 2076.99 1173.91
Balance with Banks 857.91 2155.98 2863.9 55.52 70.35
Investments 2344.45 2342.51 3705.17 4449.85 6664.56
Advances 11595 13728.24 16848.19 19374.21 25798.56
Net Block 235.71 210.5 184.17 189.27 337.7
Other Assets 325.28 475.19 591.36 790.61 871.62
Total Assets 15762.69 19295.55 24708.47 26947.62 34958.13
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
promoters 81.36 74.59 74.52 74.50 74.48
equitas holdings limited 81.36 74.59 74.52 74.50 74.48
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 25.52 100.00 100.00 100.00 100.00
canara robeco mutual fund... - 1.57 1.76 2.13 2.31
dsp mutual fund - 5.97 4.96 1.50 1.14
ellipsis partners llc - 2.75 2.74 2.72 2.70
franklin india mutual fun... - 7.08 6.44 6.39 6.33
government pension fund g... - - - 1.00 1.07
hdfc mutual fund 3.44 4.69 4.68 5.45 7.38
icici prudential life ins... - 1.74 1.74 1.72 1.71
icici prudential mutual f... - 2.98 2.69 2.52 2.19
international finance cor... - 2.98 2.98 2.95 2.93
invesco india mutual fund... - - 1.76 2.85 4.90
massachusetts institute o... - 2.53 1.88 1.70 1.68
mr.ashish dhawan - - - - 3.57
nippon india mutual fund - 4.45 3.37 3.35 3.13
rimco india limited - 2.08 2.08 2.06 2.04
sbi mutual fund 3.16 6.78 6.77 6.72 5.68
sundaram mutual fund - 1.03 - 1.20 1.49
tata aia life insurance c... - - - 1.98 2.02
ashish dhawan - 3.64 3.63 3.60 -
varshini vasudevan pathan... - - 1.70 1.38 -
government of singapore 2.57 1.61 1.18 - -
societe generale - odi - 1.01 1.02 - -
al mehwar commercial inve... - 1.07 - - -
p v varshini - 1.70 - - -
vanguard emerging markets... - 1.06 - - -
vanguard total internatio... - 1.16 - - -
franklin india mutual fu... 1.14 - - - -
nippon life india trustee... 3.94 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Equitas Small Finance Bank informs about allotment of equity shares 8 Mar 2024, 4:24PM Equitas Small Finance Bank informs about affirmation of credit ratings7 Mar 2024, 5:25PM Equitas Small Finance Bank informs about schedule of investor conference26 Feb 2024, 12:12PM Equitas Small Finance Bank informs about schedule of analysts meet1 Feb 2024, 12:54PM Equitas Small Fin. - Quaterly Results25 Jan 2024, 1:52PM Equitas Small Fin. - Quaterly Results25 Jan 2024, 1:52PM Equitas Small Fin. - Quaterly Results25 Jan 2024, 1:52PM Equitas Small Finance Bank informs about board meeting 11 Jan 2024, 2:35PM Equitas Small Finance Bank informs about certificate6 Jan 2024, 3:23PM Equitas Small Finance Bank reports 39% rise in total deposits during Q3FY245 Jan 2024, 10:50AM Equitas Small Finance Bank informs about business updates5 Jan 2024, 9:50AM Equitas Small Finance Bank informs about disclosure29 Dec 2023, 2:06PM Equitas Small Finance Bank informs about disclosure 23 Nov 2023, 10:20AM Equitas Small Finance Bank informs about investors meet 18 Nov 2023, 3:04PM Equitas Small Finance Bank informs about disclosure18 Nov 2023, 12:09PM Equitas Small Finance Bank informs about audio recording of earnings call 20 Oct 2023, 3:09PM Equitas Small Finance Bank reports 70% rise in Q2 net profit20 Oct 2023, 12:12PM Equitas Small Fin. - Quaterly Results19 Oct 2023, 6:37PM Equitas Small Fin. - Quaterly Results19 Oct 2023, 6:37PM Equitas Small Finance Bank submits board meeting intimation 10 Oct 2023, 4:48PM Equitas Small Finance Bank reports 42% rise in total deposits during Q2FY245 Oct 2023, 12:00PM Equitas Small Finance Bank informs about updates 5 Oct 2023, 10:12AM Equitas Small Finance Bank informs about closure of trading window22 Sep 2023, 11:27AM Equitas Small Finance Bank informs about disclosure 21 Sep 2023, 2:20PM Equitas Small Finance Bank planning to foray into credit cards, personal loan segments21 Aug 2023, 10:30AM Equitas Small Finance Bank informs about allotment of equity shares under ESOP 18 Aug 2023, 10:46AM Equitas Small Finance Bank informs about investors meeting 14 Aug 2023, 4:40PM Equitas Small Fin. - Quaterly Results28 Jul 2023, 7:17PM Equitas Small Fin. - Quaterly Results28 Jul 2023, 7:17PM Equitas Small Finance Bank informs about credit rating 18 Jul 2023, 2:18PM Equitas Small Finance Bank informs about allotment of equity shares under ESOP15 Jul 2023, 11:55AM Equitas Small Finance Bank informs about re-affirmation of credit ratings13 Jul 2023, 10:37AM Equitas Small Finance Bank reports 36% rise in total deposits during Q1FY246 Jul 2023, 5:08PM Equitas Small Finance Bank informs about closure of trading window22 Jun 2023, 2:20PM Equitas Small Finance Bank informs about re-appointment of MD and CEO16 Jun 2023, 9:48AM Equitas Small Finance Bank informs about allotment under ESOP12 Jun 2023, 2:35PM Equitas Small Finance Bank introduces new tenure for fixed deposits5 Jun 2023, 10:31AM Equitas Small Finance Bank informs about allotment of equity shares under ESOP 8 May 2023, 11:15AM Equitas Small Finance Bank informs about investors presentation6 May 2023, 3:54PM Equitas Small Finance Bank reports 59% rise in Q4 net profit6 May 2023, 12:51PM Equitas Small Fin. - Quaterly Results5 May 2023, 7:43PM Equitas Small Fin. - Quaterly Results5 May 2023, 7:43PM Equitas Small Finance Bank informs about rescheduling of earnings call 24 Apr 2023, 12:59PM Equitas Small Finance Bank gets authorized dealer category-I License from RBI20 Apr 2023, 10:38AM Equitas Small Finance Bank’s deposits rise 34% in Q4FY236 Apr 2023, 2:22PM Equitas Small Finance Bank informs about allotment of equity shares1 Apr 2023, 3:35PM Equitas Small Finance Bank joins hands with Royal Challengers Bangalore for T20 League 202315 Mar 2023, 3:51PM Equitas Small Finance Bank informs about disclosure 15 Mar 2023, 12:55PM Equitas Small Finance Bank informs about press release15 Mar 2023, 10:23AM Equitas Small Finance Bank informs about disclosure 14 Mar 2023, 11:29AM

Equitas Small Fin. Stock Price Analysis and Quick Research Report. Is Equitas Small Fin. an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Equitas Small Fin. is performing and if it is the right time to buy the stock of Equitas Small Fin. with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Equitas Small Fin. has earned Rs 4161.8781 Cr. revenue in the latest financial year. Equitas Small Fin. has posted outstanding revenue growth of 16.3044353609919 % in last 3 Years.

  • In terms of advances, Equitas Small Fin. reported 33.1592974700486 % YOY,  rise . If you see 3 years advance growth, it stands at 23.4033167816476 %.

  • Currently, Equitas Small Fin. has a CASA ratio of 42.284085835504 %. It’s overall cost of liability stands at 5.70337831957137 %. Also, the total deposits of Equitas Small Fin. from these accounts stood at Rs 25380.5558 Cr.

  • Equitas Small Fin. has a healthy ROA track record. The ROA of Equitas Small Fin. is at 1.85310895699816 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.76 % and 1.21 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -17.5439331874142 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Equitas Small Fin. surged and is currently at Rs 669.5857 Cr.

  • Equitas Small Fin. has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Equitas Small Fin. is trading at a P/B of 1.8477 . The historical average PB of Equitas Small Fin. was 0.993735202680512.

  • Share Price: - The current share price of Equitas Small Fin. is Rs 92.55. One can use valuation calculators of ticker to know if Equitas Small Fin. share price is undervalued or overvalued.

Last Updated on:
Brief about Equitas Small Fin.
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