Equitas Small Finance Bank, 543243, EQUITASBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,400.51
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,583.39
N/A
1.12

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

5.62
-17.48
-36.47

PAT CAGR (%)

10 Years
5 Years
3 Years

1.65
1.62

P:E (Median)

8 Years
5 Years
3 Years

-
17.06
15.69

P:BV (Average)

8 Years
5 Years
3 Years

-
1.65
1.62

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
10.66
7.49

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 1,648.86 1,500.95 9.85% 1,643.97 1,444.65 13.80% 1,611.93 1,428.80 12.82% 1,554.87 1,358.99 14.41%
Interest Exp. 863.12 699.47 23.40% 814.54 658.76 23.65% 793.54 643.65 23.29% 752.56 593.41 26.82%
Net Interest Income 785.75 801.49 -1.96% 829.42 785.89 5.54% 818.39 785.14 4.23% 802.31 765.59 4.80%
NIM 6.55 7.97 -17.82% 7.13 8.17 -12.73% 8.36 8.37 -0.12% 7.69 8.43 -8.78%
Other Income 291.69 208.70 39.77% 225.44 240.46 -6.25% 238.41 205.48 16.03% 238.93 181.37 31.74%
Total Income 1,940.55 1,709.66 13.51% 1,869.42 1,685.11 10.94% 1,850.34 1,634.27 13.22% 1,793.80 1,540.37 16.45%
Operating Exp. 762.66 669.79 13.87% 743.57 651.59 14.12% 723.95 630.31 14.86% 691.52 616.77 12.12%
Operating Profit 314.77 340.40 -7.53% 311.30 374.75 -16.93% 332.86 360.31 -7.62% 349.72 330.19 5.91%
Provision 612.25 304.64 100.97% 258.01 106.60 142.04% 243.11 84.38 188.11% 329.66 63.20 421.61%
PBT -297.48 35.76 - 53.29 268.15 -80.13% 89.74 275.93 -67.48% 20.06 266.99 -92.49%
PBTM -18.04 2.38 - 3.24 18.56 -82.54% 5.57 19.31 -71.15% 1.29 19.65 -93.44%
TAX -73.72 10.00 - 11.18 60.53 -81.53% 23.44 73.92 -68.29% 7.18 68.86 -89.57%
PAT -223.76 25.76 - 42.11 207.62 -79.72% 66.30 202.00 -67.18% 12.88 198.14 -93.50%
PATM -13.57% 1.72% 2.56% 14.37% 4.11% 14.14% 0.83% 14.58%
EPS -1.96 0.23 - 0.37 1.83 -79.78% 0.58 1.79 -67.60% 0.11 1.77 -93.79%
Gross NPA 1,035.99 889.04 16.53% 1,067.73 821.28 30.01% 1,071.87 750.26 42.87% 1,022.82 660.50 54.86%
Gross NPA% 2.92 2.73 6.96% 2.89 2.61 10.73% 2.97 2.53 17.39% 2.95 2.27 29.96%
Net NPA 341.59 264.13 29.33% 354.19 360.90 -1.86% 340.05 330.34 2.94% 330.29 279.29 18.26%
Net NPA% 0.98 0.83 18.07% 0.98 1.17 -16.24% 0.96 1.13 -15.04% 0.97 0.97 0.00%
CASA 29.00 31.00 -6.45% 29.00 32.00 -9.38% 29.00 33.00 -12.12% 31.00 34.00 -8.82%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 17 Mar 16 Mar 15
Net Interest Income 3,235.87 3,251.62 3,079.76 2,544.73 2,038.54 1,797.96 1,495.30 1,151.73 521.18 249.05 -104.37 Interest Earned 6,459.63 6,311.73 5,486.40 4,161.88 3,459.67 3,194.41 2,645.44 2,111.93 981.05 408.16 0.00 Interest Expended 3,223.76 3,060.11 2,406.64 1,617.15 1,421.13 1,396.45 1,150.14 960.20 459.87 159.11 104.37 Int. income Growth 3.12% 5.58% 21.03% 24.83% 13.38% 20.24% 29.83% 120.99% 109.27% 338.62% Other Income 994.47 911.49 798.67 669.59 537.56 418.05 282.35 282.90 233.27 71.20 0.19 Total Income 7,454.11 4,163.11 3,878.43 3,214.32 2,576.10 2,216.01 1,777.65 1,434.63 754.45 320.25 -104.18 Total Expenditure 2,921.70 3,816.10 2,680.88 2,360.96 2,122.70 1,628.32 1,330.27 1,019.12 618.61 230.39 29.38 Employee Cost - 1,621.01 1,368.83 1,096.68 898.21 791.45 709.79 551.31 318.04 93.46 62.88 % Of Sales - 25.68% 24.95% 26.35% 25.96% 24.78% 26.83% 26.10% 32.42% 22.90% 0 Opt. & Establishment Exp. - 1,355.97 1,266.66 1,026.16 881.21 614.41 566.74 548.96 204.06 54.64 -69.55 % Of Sales - 21.48% 23.09% 24.66% 25.47% 19.23% 21.42% 25.99% 20.80% 13.39% 0 Provisions - 1,135.42 314.23 407.20 493.84 375.32 246.64 102.41 159.93 91.77 42.39 % Of Sales - 17.99% 5.73% 9.78% 14.27% 11.75% 9.32% 4.85% 16.30% 22.48% 0 EBITDA 1,308.64 347.01 1,197.55 853.36 453.40 587.69 447.38 415.51 135.84 89.86 -29.38 EBITDA Margin 54.77% 10.67% 38.88% 33.53% 22.24% 32.69% 29.92% 36.08% 26.06% 36.08% 0 Depreciation 0.00 148.15 134.42 84.54 75.28 76.43 96.45 91.78 31.71 4.74 3.17 PBT -134.39 198.85 1,063.13 768.81 378.11 511.26 350.94 323.74 104.13 85.12 52.09 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -31.92 51.80 264.17 195.22 97.38 127.04 107.30 113.17 0.00 0.00 17.86 Tax Rate 23.75% 26.05% 24.85% 25.39% 25.75% 24.85% 30.58% 34.96% 0.00% 0.00% 34.29% PAT -102.47 147.05 798.96 573.59 280.73 384.22 243.64 210.57 104.13 85.12 34.23 PAT before Minority Interest -102.47 147.05 798.96 573.59 280.73 384.22 243.64 210.57 104.13 85.12 34.23 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -2.42% 3.53% 20.60% 17.84% 10.90% 17.34% 13.71% 14.68% 13.80% 26.58% 0 PAT Growth -116.17% -81.59% 39.29% 104.32% -26.94% 57.70% 15.70% 102.22% 22.33% 148.67% EPS -0.90 1.29 7.01 5.03 2.46 3.37 2.14 1.85 0.91 0.75 0.30

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Shareholder's Funds 6,072.52 5,968.70 5,157.95 4,246.17 3,396.34 2,744.15 2,254.32 625.80 291.69 150.96 Share Capital 1,139.86 1,134.89 1,110.56 1,252.03 1,139.28 1,053.40 1,005.94 423.00 240.70 151.46 Total Reserves 4,875.98 4,793.03 4,041.70 2,992.87 2,257.06 1,690.75 1,248.38 202.80 50.99 -0.50 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 43,106.72 36,129.20 25,348.48 18,950.80 16,391.97 10,788.41 9,006.74 0.00 0.00 0.00 Borrowings 2,136.99 1,787.53 2,973.76 2,616.40 4,165.32 5,134.87 3,973.03 0.00 0.00 0.00 Other Liabilities & Provisions 1,519.40 1,418.44 1,477.94 1,134.26 754.84 628.12 528.61 0.00 0.00 0.00 Total Liabilities 52,835.63 45,303.87 34,958.13 26,947.63 24,708.47 19,295.55 15,762.70 625.80 291.69 150.96 Net Block 530.91 536.53 337.70 189.27 184.17 210.50 235.71 7.58 2.75 2.57 Gross Block 1,331.76 1,208.80 886.79 665.98 592.18 550.35 487.14 15.93 8.30 5.80 Accumulated Depreciation 800.85 672.28 549.09 476.71 408.01 339.86 251.43 8.34 5.55 3.23 Total Non-Current Assets 51,729.58 44,213.25 34,086.51 26,157.02 24,117.12 18,820.36 15,437.39 47.10 8.56 4.98 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 164.79 68.20 41.43 11.18 0.88 2.27 1.62 0.20 0.15 0.07 Cash and balance with RBI 4,954.11 3,500.35 1,173.91 2,076.99 514.81 380.86 402.70 0.00 0.00 0.00 Balance with banks and money at call 582.19 78.60 70.35 55.52 2,863.90 2,155.98 857.91 0.00 0.00 0.00 Investments 9,288.69 9,065.27 6,664.56 4,449.85 3,705.17 2,342.51 2,344.45 39.32 5.66 2.34 Advances 36,208.89 30,964.30 25,798.56 19,374.21 16,848.19 13,728.24 11,595.00 0.00 0.00 0.00 Other Assets 1,106.06 1,090.62 871.62 790.61 591.36 475.19 325.28 0.00 0.00 0.00 Total Assets 52,835.64 45,303.87 34,958.13 26,947.63 24,708.48 19,295.55 15,762.67 47.10 8.56 4.98 Contingent Liabilities 794.60 409.69 122.67 49.28 12.51 26.98 32.72 0.01 0.00 0.00 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 52.78 52.23 46.39 33.90 29.81 26.05 22.41 14.79 12.12 9.97

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Cash From Operating Activity 1,936.82 3,833.54 -997.67 159.47 2,043.94 439.62 1,799.30 -778.97 -513.12 -215.32 PBT 198.85 1,063.12 768.80 378.11 511.27 350.94 323.74 52.09 24.45 -0.77 Adjustment 501.74 273.62 828.68 910.36 922.33 784.97 656.62 116.69 59.66 19.86 Adjustments for Liabilities & Assets 1,400.56 2,787.90 -2,402.00 -970.81 764.25 -562.22 963.05 -825.67 -554.04 -219.51 Refund/(Payment) of direct taxes -164.33 -291.10 -193.15 -158.19 -153.90 -134.08 -144.10 -24.41 -7.06 -0.50 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -238.67 -359.73 -261.26 -89.09 -42.80 -71.73 -6.62 -10.99 -3.43 1.01 Net Fixed Assets -219.55 -348.78 -251.06 -84.10 -40.44 -63.86 -472.63 -7.68 -2.58 Other Investment Activity -1856.28 -1538.26 -1017.31 -719.96 -664.79 -559.24 -499.75 -19.56 -7.44 Cash from Financing Activity 259.20 -1,210.22 60.11 -1,316.57 -1,153.91 908.28 -1,706.25 1,032.23 501.85 253.19 Closing Cash & Equivalent 5,465.20 3,507.85 1,244.26 2,132.51 3,378.71 2,531.48 1,255.32 270.98 28.70 43.39 Net Cash Inflow / Outflow 1,957.35 2,263.59 -1,198.81 -1,246.19 847.23 1,276.17 86.43 242.27 -14.69 38.87 Opening Cash & Equivalents 3,507.85 1,244.26 2,132.51 3,378.71 2,531.48 1,255.32 1,168.89 28.70 43.39 4.52

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Book Value 52.78 52.23 46.39 33.90 29.81 26.05 22.41 14.79 12.12 9.97 NIM 6.37 7.06 7.55 7.85 7.51 8.04 7.58 0.00 0.00 0.00 Yield on Advances 17.43 17.72 16.13 17.86 18.96 19.27 18.21 0.00 0.00 0.00 Yield on Investments 8.53 7.10 5.06 6.49 7.13 6.87 11.14 0.00 0.00 0.00 Cost of Liabilities 6.76 6.35 5.71 6.59 6.79 7.22 7.40 0.00 0.00 0.00 Interest Spread 10.67 11.37 10.42 11.27 12.17 12.05 10.82 0.00 0.00 0.00 ROCE 4.62% 16.66% 13.71% 9.21% 12.15% 10.82% 11.51% 11.11% 11.05% 3.85% Cost Income Ratio 67.95 64.49 63.41 66.15 59.99 66.38 70.30 0.00 0.00 0.00 Core Cost Income Ratio 70.34 66.27 63.84 67.27 61.23 66.51 70.46 0.00 0.00 0.00 Operating Costs to Assets 5.35 5.52 5.83 6.32 5.38 6.12 6.40 0.00 0.00 0.00 Loans/Deposits 0.05 0.05 0.12 0.14 0.25 0.48 0.44 0.00 0.00 0.00 Cash/Deposits 0.11 0.10 0.05 0.11 0.03 0.04 0.04 0.00 0.00 0.00 Investment/Deposits 0.22 0.25 0.26 0.23 0.23 0.22 0.26 0.00 0.00 0.00 Inc Loan/Deposits 4.96% 4.95% 11.73% 13.81% 25.41% 47.60% 44.11% 0.00% 0.00% 0.00% Credit Deposits 84.00% 85.70% 101.78% 102.23% 102.78% 127.25% 128.74% 0.00% 0.00% 0.00% Interest Expended / Interest earned 48.48% 43.87% 38.86% 41.08% 43.72% 43.48% 45.47% 0.00% 0.00% 0.00% Interest income / Total funds 11.95% 12.11% 11.91% 12.84% 12.93% 13.71% 13.40% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.79% 5.31% 4.63% 5.27% 5.65% 5.96% 6.09% 0.00% 0.00% 0.00% CASA 28.79% 31.98% 42.23% 52.01% 34.25% 20.47% 25.25% 0.00% 0.00% 0.00%

Top Investors:

hdfc small cap fund

franklin india smaller companies fund

sbi contra fund

mirae asset elss tax saver fund

nippon life india trustee ltd- a/c nippon india banking & financial services fund

ashish dhawan

ellipsis partners llc

international finance corporation

canara robeco mutual fund a/c canara robeco small cap fund

sundaram mutual fund a/c sundaram small cap fund

Annual Reports:

News Update:

Equitas Small Fin. - Quarterly Results
8th Aug 2025, 13:57 PM

Read More
Equitas Small Finance Bank launches FCNR deposits, explorer savings account for NRIs, Seafarers
22nd Jul 2025, 14:23 PM

This dual product launch reflects Equitas SFB’s commitment to delivering flexible, secure, and tech-enabled banking solutions for India’s expanding global workforce
Read More
Equitas Small Finance Bank inks pact with Edelweiss Life Insurance
25th Jun 2025, 12:59 PM

This partnership will allow the bank's vast customer base to access Edelweiss Life's comprehensive life insurance solutions
Read More
Equitas Small Finance Bank signs MoU with Maruti Suzuki India
16th Jun 2025, 10:42 AM

The collaboration is set to enhance the accessibility and affordability of Maruti Suzuki vehicles for a broader range of customers
Read More

Equitas Small Finance Bank Ltd.

Bank - Private

BSE: 543243 | NSE: EQUITASBNK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Equitas Small Finance Bank Ltd.

Bank - Private

BSE: 543243 | NSE: EQUITASBNK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: