Equitas Small Fin.
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Equitas Small Fin. share price

Equitas Small Finance Bank Ltd.

NSE: EQUITASBNK BSE: 543243 SECTOR: Bank - Private  220k   1k   307

58.74
+0.54 (0.93%)
NSE: Today, 10:54 AM

Price Summary

Today's High

₹ 59

Today's Low

₹ 58.02

52 Week High

₹ 107.8

52 Week Low

₹ 52.52

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.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 6697.42 Cr.

CASA %

31.98

No. of Shares

114.02 Cr.

P/E

21.43

P/B

1.11

Face Value

₹ 10

Div. Yield

1.7 %

Book Value (TTM)

₹  52.76

Net Interest Income

₹ 3079.76 Cr.

Cost To Income %

64.49

Promoter Holding

0 %

EPS (TTM)

₹  2.74

CAR %

21.7

ROE

14.42 %

ROCE

16.66%

Profit Growth

39.29 %

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* 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

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PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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

 Group Companies

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Ratios

ROE%

1 Year14.42%
3 Year11.33%
5 Year11.25%

ROA%

1 Year1.99%
3 Year1.64%
5 Year1.61%

Net NPA%

1 Year1.17%
3 Year1.58%
5 Year1.59%

 NIM

1 Year7.06%
3 Year7.49%
5 Year7.6%

CAR %

21.7

Cost of Liabilities %

6.3472

PEG Ratio

0.59

Advances Growth %

20.0234

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 0.00 0.00
Dec 2023 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.64364203859963% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 11.3256352310162%.
  • The company has been consistently maintaining a NIM of 7.48848015428941% since last 3 years.
  • Good Capital Adequacy Ratio of 21.7%.
  • The company has delivered good Profit growth of 27.6381557117793% over the past 3 years.
  • Strong Advances growth of 22.4905768241126% in the last 3 years.

 Limitations

  • CASA Growth of -10.2537% YoY, which is very low.
  • High Cost to income ratio of 64.4866%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 1428.8 1444.65 1500.95 1554.87 1611.93
Other Income 205.48 240.46 208.7 238.93 238.41
Interest Expended 643.65 658.76 699.47 752.56 793.54
Operating Expenses 630.31 651.59 669.79 691.53 723.95
Total Provisions 84.38 106.6 304.64 329.66 243.11
Profit Before Tax 275.93 268.15 35.76 20.06 89.74
Tax 73.93 60.53 10 7.18 23.44
Net Profit 202 207.62 25.76 12.88 66.3
Net NPA % 1.13 1.17 0.83 0.97 0.96
Gross NPA % 2.53 2.61 2.73 2.95 2.97
Return on Assets % 0.48 0.47 0.06 0.03 0.13
NPM % 14.14 14.37 1.72 0.83 4.11

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 2645.44 3194.41 3459.67 4161.88 5486.4
Other Income 282.35 418.05 537.56 669.59 798.67
Interest Expended 1150.14 1396.45 1421.13 1617.15 2406.64
Operating Expenses 1180.08 1329.43 1704.15 2038.3 2501.07
Total Provisions 246.64 375.32 493.84 407.2 314.23
Profit Before Tax 350.94 511.26 378.11 768.81 1063.13
Taxes 107.3 127.04 97.38 195.22 264.17
Net Profit 243.64 384.22 280.73 573.59 798.96
Adjusted EPS (Rs.) 2.31 3.37 2.24 5.16 7.04

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1053.4 1139.28 1252.03 1110.56 1134.89
Total Reserves 1690.75 2257.06 2992.87 4041.7 4793.03
Deposits 10788.41 16391.97 18950.8 25348.48 36129.2
Borrowings 5134.87 4165.32 2616.4 2973.76 1787.53
Other Liabilities 628.12 754.84 1134.26 1477.94 1418.44
Total Liabilities 19295.55 24708.47 26947.62 34958.13 45303.87
Assets
Balance with RBI 380.86 514.81 2076.99 1173.91 3500.35
Balance with Banks 2155.98 2863.9 55.52 70.35 78.6
Investments 2342.51 3705.17 4449.85 6664.56 9065.27
Advances 13728.24 16848.19 19374.21 25798.56 30964.3
Net Block 210.5 184.17 189.27 337.7 536.53
Other Assets 475.19 591.36 790.61 871.62 1090.62
Total Assets 19295.55 24708.47 26947.62 34958.13 45303.87
* 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 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 100.00 100.00 100.00 100.00 100.00
ashish dhawan - 3.56 3.55 3.55 3.54
canara robeco mutual fund... 2.31 2.21 2.21 2.47 2.62
dsp mutual fund 1.14 1.14 1.21 1.20 1.20
ellipsis partners llc 2.70 2.69 2.69 2.68 2.68
franklin india mutual fun... 6.33 6.31 6.31 6.29 6.29
hara global capital maste... - 1.08 1.64 1.64 1.70
hdfc mutual fund 7.38 7.80 7.80 7.94 8.57
icici prudential life ins... 1.71 1.57 1.58 1.58 1.58
icici prudential mutual f... 2.19 2.03 1.75 1.88 1.88
international finance cor... 2.93 2.89 2.88 2.88 2.87
invesco india mutual fund... 4.90 4.59 4.31 3.02 2.12
jm financial mutual fund - - - - 1.04
massachusetts institute o... 1.68 1.68 1.37 1.26 1.26
new mark capital aif llp - - - - 1.03
nippon life india mutual ... - - - 3.15 3.05
rimco india limited 2.04 2.04 2.03 2.03 2.03
sbi mutual fund 5.68 5.67 5.68 5.95 6.04
sundaram mutual fund 1.49 1.76 1.88 2.49 2.62
nippon india mutual fund 3.13 3.13 3.14 - -
ntasain discovery master ... - 1.39 1.54 - -
tata aia life insurance c... - - 2.03 - -
tata aia life insurance c... 2.02 2.01 - - -
government pension fund g... 1.07 - - - -
mr.ashish dhawan 3.57 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Equitas Small Finance Bank reports 19% rise in total deposits in Q4FY25 5 Apr, 6:06 PM Equitas Small Finance Bank informs about analyst meet 4 Feb, 5:08 PM Equitas Small Finance Bank informs about investors presentation 31 Jan, 5:14 PM Equitas Small Finance Bank informs about press release 31 Jan, 5:01 PM Equitas Small Fin. - Quaterly Results 31 Jan, 1:40 PM Equitas Small Fin. - Quaterly Results 31 Jan, 1:40 PM Equitas Small Fin. - Quaterly Results 31 Jan, 1:40 PM Equitas Small Finance Bank informs about updates 13 Jan, 3:31 PM Equitas Small Finance Bank informs about allotment of equity shares 7 Dec, 3:34 PM Equitas Small Finance Bank informs about schedule of analyst meet 29 Nov, 5:18 PM Equitas Small Fin. - Quaterly Results 8 Nov, 3:20 PM Equitas Small Fin. - Quaterly Results 8 Nov, 3:20 PM Equitas Small Fin. - Quaterly Results 8 Nov, 3:20 PM Equitas Small Finance Bank informs about board meeting 23 Oct, 5:17 PM Equitas Small Finance Bank informs about affirmation of credit ratings 8 Oct, 12:56 PM Equitas Small Finance Bank informs about business update 5 Oct, 3:30 PM Equitas Small Finance Bank informs about investor meet 21 Sep, 2:26 PM Equitas Small Finance Bank informs about updates 21 Aug, 2:59 PM Equitas Small Finance Bank informs about investor meet 3 Aug, 12:05 PM Equitas Small Finance Bank reports 87% fall in Q1 net profit 26 Jul, 3:45 PM Equitas Small Fin. - Quaterly Results 26 Jul, 1:20 PM Equitas Small Fin. - Quaterly Results 26 Jul, 1:20 PM Equitas Small Fin. - Quaterly Results 26 Jul, 1:20 PM Equitas Small Finance Bank informs about board meeting 18 Jul, 5:30 PM Equitas Small Finance Bank informs about analyst meet 18 Jul, 2:46 PM Equitas Small Finance Bank informs about certificates 3 Jul, 5:30 PM Equitas Small Finance Bank informs about closure of trading window 27 Jun, 2:32 PM Equitas Small Finance Bank informs about investor meeting 20 Jun, 3:07 PM Equitas Small Finance Bank informs about affirmation of credit ratings 14 Jun, 12:18 PM Equitas Small Finance Bank informs about schedule of investor meet 2 May, 3:13 PM RBI imposes monetary penalty on Equitas Small Finance Bank 26 Apr, 11:53 AM Equitas Small Finance Bank reports 9% rise in Q4 net profit 24 Apr, 4:00 PM Equitas Small Fin. - Quaterly Results 24 Apr, 2:20 PM Equitas Small Fin. - Quaterly Results 24 Apr, 2:20 PM Equitas Small Fin. - Quaterly Results 24 Apr, 2:20 PM Equitas Small Finance Bank informs about certificate 23 Apr, 5:24 PM Equitas Small Finance Bank informs about disclosure 5 Apr, 2:19 PM Equitas Small Finance Bank informs about allotment of equity shares 8 Mar, 4:24 PM Equitas Small Finance Bank informs about affirmation of credit ratings 7 Mar, 5:25 PM Equitas Small Finance Bank informs about schedule of investor conference 26 Feb, 12:12 PM Equitas Small Finance Bank informs about schedule of analysts meet 1 Feb, 12:54 PM Equitas Small Fin. - Quaterly Results 25 Jan, 1:52 PM Equitas Small Fin. - Quaterly Results 25 Jan, 1:52 PM Equitas Small Fin. - Quaterly Results 25 Jan, 1:52 PM Equitas Small Finance Bank informs about board meeting 11 Jan, 2:35 PM Equitas Small Finance Bank informs about certificate 6 Jan, 3:23 PM Equitas Small Finance Bank reports 39% rise in total deposits during Q3FY24 5 Jan, 10:50 AM Equitas Small Finance Bank informs about business updates 5 Jan, 9:50 AM Equitas Small Finance Bank informs about disclosure 29 Dec, 2:06 PM Equitas Small Finance Bank informs about disclosure 23 Nov, 10:20 AM

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.

Equitas Small Fin. stock price today is Rs 58.25. 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 5486.4034 Cr. revenue in the latest financial year. Equitas Small Fin. has posted outstanding revenue growth of 19.7562253195292 % in last 3 Years.

  • In terms of advances, Equitas Small Fin. reported 20.0234 % YOY,  rise . If you see 3 years advance growth, it stands at 22.4905768241126 %.

  • Currently, Equitas Small Fin. has a CASA ratio of 31.9753 %. It’s overall cost of liability stands at 6.3472 %. Also, the total deposits of Equitas Small Fin. from these accounts stood at Rs 36129.2022 Cr.

  • Equitas Small Fin. has a healthy ROA track record. The ROA of Equitas Small Fin. is at 1.9909 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.61 % and 1.17 % 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 -22.8299324405632 % 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 798.6706 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 1.1045 . The historical average PB of Equitas Small Fin. was 1.34757931087292.

  • Share Price: - The current share price of Equitas Small Fin. is Rs 58.25. 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.

Equitas Small Finance Bank Ltd. Financials: Check Share price, Balance Sheet, Annual report, and Quarterly Results for company analysis

 

Equitas Small Finance Bank Ltd. is a prominent player in the Indian financial sector known for its focus on serving the diverse financial needs of customers. Established with the mission to provide accessible and responsive banking services, Equitas Small Finance Bank has rapidly grown to become a trusted name in the industry. With a commitment to financial inclusion and customer-centric practices, the bank stands out for its innovative approach and robust business model.

Equitas Small Finance Bank Ltd. Share Price

The share price of Equitas Small Finance Bank Ltd. reflects the market's perception of the company's performance and future prospects. Investors keen on understanding the stock's potential can track the share price movements to make informed decisions. Ticker offers real-time stock price information, historical data, and interactive charts to help investors analyze the share price trends effectively.

Equitas Small Finance Bank Ltd. Balance Sheet

A thorough analysis of Equitas Small Finance Bank Ltd.'s balance sheet provides valuable insights into the company's financial health and stability. Ticker provides access to the company's annual reports and balance sheet data for investors to conduct a detailed assessment. Utilizing our pre-built screening tools and premium features such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis can aid in evaluating the balance sheet more comprehensively.

Equitas Small Finance Bank Ltd. Annual Report

The annual report of Equitas Small Finance Bank Ltd. offers a comprehensive overview of the company's performance, strategies, and outlook. Investors seeking in-depth information about the company's operations and financial results can download the annual reports from our website. By analyzing the annual report alongside our fair value calculation tools, investors can make well-informed investment decisions based on a holistic understanding of the company.

Equitas Small Finance Bank Ltd. Dividend

Dividends are an important aspect of investment for many shareholders, reflecting the company's profitability and shareholder returns. Investors interested in Equitas Small Finance Bank Ltd.'s dividend history and policy can access relevant information on our website. By reviewing dividend trends alongside other financial metrics and analysis tools provided, investors can gauge the company's dividend-paying capacity and long-term sustainability.

Equitas Small Finance Bank Ltd. Quarterly Result

Monitoring Equitas Small Finance Bank Ltd.'s quarterly results is crucial for investors to stay updated on the company's performance trends and growth trajectory. Investors can access the company's quarterly financial reports on our website to track key metrics and earnings announcements. Leveraging our premium features for analyzing quarterly results enhances investors' ability to interpret financial data effectively and make informed decisions.

Equitas Small Finance Bank Ltd. Stock Price

Understanding the factors influencing Equitas Small Finance Bank Ltd.'s stock price movements is essential for investors aiming to optimize their investment strategies. Our website offers comprehensive stock price data, charts, and news updates to keep investors informed about market trends and developments. By utilizing our screening tools and analysis features, investors can analyze the stock price dynamics and identify potential opportunities.

Equitas Small Finance Bank Ltd. Price Chart

Price charts provide visual representations of Equitas Small Finance Bank Ltd.'s stock price movements over different time frames, aiding investors in identifying patterns and trends. Ticker offers interactive price charts with customizable features to analyze historical data and predict future price movements. Investors can utilize these charts alongside our analysis tools to conduct technical analysis and make well-informed investment decisions.

Equitas Small Finance Bank Ltd. News

Staying abreast of the latest news and developments related to Equitas Small Finance Bank Ltd. is crucial for investors to understand the external factors influencing the company's stock performance. Our website features a dedicated news section covering relevant updates, market insights, and industry trends to help investors stay informed. By integrating news analysis with stock price data and financial reports, investors can gain a holistic view of the company's operating environment.

Equitas Small Finance Bank Ltd. Concall Transcripts

Concall transcripts offer detailed insights into Equitas Small Finance Bank Ltd.'s management discussions, strategies, and outlook presented during earnings calls. Investors interested in understanding the company's leadership perspectives and performance analysis can access concall transcripts on our website. By studying these transcripts in conjunction with financial data and analysis tools, investors can gain a deeper understanding of the company's operations and growth prospects.

Equitas Small Finance Bank Ltd. Investor 

Investor presentations by Equitas Small Finance Bank Ltd. provide valuable information about the company's performance, market positioning, and growth strategies. Our website offers downloadable investor presentations for investors to review the company's corporate presentations and strategic initiatives. By examining these presentations alongside our analysis tools and financial data, investors can evaluate the company's business direction and investment potential.

Equitas Small Finance Bank Ltd. Promoters

Equitas Small Finance Bank Ltd.'s promoters play a significant role in shaping the company's strategic decisions, growth trajectory, and corporate governance practices. Investors keen on understanding the promoter's background, ownership, and influence on the company can access relevant information on our website. Analyzing the promoters' involvement alongside other financial metrics and analysis tools can provide insights into the company's leadership dynamics and long-term vision.

Equitas Small Finance Bank Ltd. Shareholders

The composition of Equitas Small Finance Bank Ltd.'s shareholders reflects the company's ownership structure, investor base, and corporate governance practices. Investors interested in studying the shareholders' distribution, institutional holdings, and stakeholder interests can access relevant data on our website. By analyzing the shareholders' profile alongside market trends and company performance, investors can assess the shareholder dynamics and market sentiment towards the stock. 

Equitas Small Finance Bank Balance Sheet Insights

The balance sheet data for Equitas Small Finance Bank from March 2020 to March 2024 presents a comprehensive look into the bank's financial stability and growth trajectory.

Equitas Small Finance Bank's Growing Reserves

From March 2020 to March 2024, Equitas Small Finance Bank's total reserves increased significantly from Rs 1,690.75 Cr. to Rs 4,793.03 Cr. This considerable growth in reserves indicates strong internal capital accumulation and a robust foundation for future expansion.

Equitas Small Finance Bank's Deposits and Borrowings

The bank has shown an impressive growth in deposits, which soared from Rs 10,788.41 Cr. in March 2020 to Rs 36,129.20 Cr. by March 2024. Conversely, borrowings declined from Rs 5,134.87 Cr. to Rs 1,787.53 Cr. over the same period, reflecting a strategic shift in funding sources towards more stable and cost-efficient deposit-based financing.

Equitas Small Finance Bank's Assets Composition

A key asset growth was observed in the 'Advances' category, increasing from Rs 13,728.24 Cr. to Rs 30,964.30 Cr., highlighting the bank's aggressive lending practices and potential for income generation through interest earnings. Investments also saw a significant rise, from Rs 2,342.51 Cr. to Rs 9,065.27 Cr., suggesting a diversified investment portfolio and enhanced earning capacity.

This data provides an analysis for the Standalone Balance Sheet of Equitas Small Finance Bank.

Understanding such detailed financial progress is crucial for investors keeping an eye on key performers within the banking sector, especially among listings on the NSE and BSE.

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