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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

7,703.88
53.02
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,991.06
N/A
1.28

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

5.19
30.99
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

37.03
26.81
41.71

PAT CAGR (%)

10 Years
5 Years
3 Years

1.68
1.64

P:E (Median)

8 Years
5 Years
3 Years

-
17.03
15.76

P:BV (Average)

8 Years
5 Years
3 Years

-
1.68
1.64

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
11.06
7.86

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 1,643.97 1,444.65 13.80% 1,611.93 1,428.80 12.82% 1,554.87 1,358.99 14.41% 1,500.95 1,253.96 19.70%
Interest Exp. 814.54 658.76 23.65% 793.54 643.65 23.29% 752.56 593.41 26.82% 699.47 510.82 36.93%
Net Interest Income 829.42 785.89 5.54% 818.39 785.14 4.23% 802.31 765.59 4.80% 801.49 743.14 7.85%
NIM 7.13 8.17 -12.73% 8.36 8.37 -0.12% 7.69 8.43 -8.78% 7.97 8.76 -9.02%
Other Income 225.44 240.46 -6.25% 238.41 205.48 16.03% 238.93 181.37 31.74% 208.70 171.37 21.78%
Total Income 1,869.42 1,685.11 10.94% 1,850.34 1,634.27 13.22% 1,793.80 1,540.37 16.45% 1,709.66 1,425.33 19.95%
Operating Exp. 743.57 651.59 14.12% 723.95 630.31 14.86% 691.52 616.77 12.12% 669.79 602.39 11.19%
Operating Profit 311.30 374.75 -16.93% 332.86 360.31 -7.62% 349.72 330.19 5.91% 340.40 312.12 9.06%
Provision 258.01 106.60 142.04% 243.11 84.38 188.11% 329.66 63.20 421.61% 304.64 60.06 407.23%
PBT 53.29 268.15 -80.13% 89.74 275.93 -67.48% 20.06 266.99 -92.49% 35.76 252.05 -85.81%
PBTM 3.24 18.56 -82.54% 5.57 19.31 -71.15% 1.29 19.65 -93.44% 2.38 20.10 -88.16%
TAX 11.18 60.53 -81.53% 23.44 73.92 -68.29% 7.18 68.86 -89.57% 10.00 60.85 -83.57%
PAT 42.11 207.62 -79.72% 66.30 202.00 -67.18% 12.88 198.14 -93.50% 25.76 191.20 -86.53%
PATM 2.56% 14.37% 4.11% 14.14% 0.83% 14.58% 1.72% 15.25%
EPS 0.37 1.83 -79.78% 0.58 1.79 -67.60% 0.11 1.77 -93.79% 0.23 1.72 -86.63%
Gross NPA 1,067.73 821.28 30.01% 1,071.87 750.26 42.87% 1,022.82 660.50 54.86% 889.04 770.18 15.43%
Gross NPA% 2.89 2.61 10.73% 2.97 2.53 17.39% 2.95 2.27 29.96% 2.73 2.75 -0.73%
Net NPA 354.19 360.90 -1.86% 340.05 330.34 2.94% 330.29 279.29 18.26% 264.13 325.10 -18.75%
Net NPA% 0.98 1.17 -16.24% 0.96 1.13 -15.04% 0.97 0.97 0.00% 0.83 1.18 -29.66%
CASA 29.00 32.00 -9.38% 29.00 33.00 -12.12% 31.00 34.00 -8.82% 31.00 38.40 -19.27%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 3,251.61 3,079.76 2,544.73 2,038.54 1,797.96 1,495.30 1,151.73 521.18 249.05 -104.37 -43.61 Interest Earned 6,311.72 5,486.40 4,161.88 3,459.67 3,194.41 2,645.44 2,111.93 981.05 408.16 0.00 0.00 Interest Expended 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 43.61 Int. income Growth 5.58% 21.03% 24.83% 13.38% 20.24% 29.83% 120.99% 109.27% 338.62% -139.33% Other Income 911.48 798.67 669.59 537.56 418.05 282.35 282.90 233.27 71.20 0.19 0.10 Total Income 7,223.22 3,878.43 3,214.32 2,576.10 2,216.01 1,777.65 1,434.63 754.45 320.25 -104.18 -43.51 Total Expenditure 2,828.83 2,680.88 2,360.96 2,122.70 1,628.32 1,330.27 1,019.12 618.61 230.39 29.38 15.30 Employee Cost - 1,368.83 1,096.68 898.21 791.45 709.79 551.31 318.04 93.46 62.88 32.95 % Of Sales - 24.95% 26.35% 25.96% 24.78% 26.83% 26.10% 32.42% 22.90% 0 0 Opt. & Establishment Exp. - 1,266.66 1,026.16 881.21 614.41 566.74 548.96 204.06 54.64 -69.55 -25.74 % Of Sales - 23.09% 24.66% 25.47% 19.23% 21.42% 25.99% 20.80% 13.39% 0 0 Provisions - 314.23 407.20 493.84 375.32 246.64 102.41 159.93 91.77 42.39 12.81 % Of Sales - 5.73% 9.78% 14.27% 11.75% 9.32% 4.85% 16.30% 22.48% 0 0 EBITDA 1,334.26 1,197.55 853.36 453.40 587.69 447.38 415.51 135.84 89.86 -29.38 -15.30 EBITDA Margin 55.18% 38.88% 33.53% 22.24% 32.69% 29.92% 36.08% 26.06% 36.08% 0 0 Depreciation 0.00 134.42 84.54 75.28 76.43 96.45 91.78 31.71 4.74 3.17 2.36 PBT 198.85 1,063.13 768.81 378.11 511.26 350.94 323.74 104.13 85.12 52.09 24.45 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 51.80 264.17 195.22 97.38 127.04 107.30 113.17 0.00 0.00 17.86 8.66 Tax Rate 26.05% 24.85% 25.39% 25.75% 24.85% 30.58% 34.96% 0.00% 0.00% 34.29% 35.42% PAT 147.05 798.96 573.59 280.73 384.22 243.64 210.57 104.13 85.12 34.23 15.79 PAT before Minority Interest 147.05 798.96 573.59 280.73 384.22 243.64 210.57 104.13 85.12 34.23 15.79 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 3.53% 20.60% 17.84% 10.90% 17.34% 13.71% 14.68% 13.80% 26.58% 0 0 PAT Growth -81.59% 39.29% 104.32% -26.94% 57.70% 15.70% 102.22% 22.33% 148.67% 116.78% EPS 1.29 7.01 5.03 2.46 3.37 2.14 1.85 0.91 0.75 0.30 0.14

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Shareholder's Funds 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 1,134.89 1,110.56 1,252.03 1,139.28 1,053.40 1,005.94 423.00 240.70 151.46 Total Reserves 4,793.03 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 Deposits 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 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 1,418.44 1,477.94 1,134.26 754.84 628.12 528.61 0.00 0.00 0.00 Total Liabilities 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 536.53 337.70 189.27 184.17 210.50 235.71 7.58 2.75 2.57 Gross Block 1,208.80 886.79 665.98 592.18 550.35 487.14 15.93 8.30 5.80 Accumulated Depreciation 672.28 549.09 476.71 408.01 339.86 251.43 8.34 5.55 3.23 Total Non-Current Assets 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 Capital Work in Progress 68.20 41.43 11.18 0.88 2.27 1.62 0.20 0.15 0.07 Cash and balance with RBI 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 78.60 70.35 55.52 2,863.90 2,155.98 857.91 0.00 0.00 0.00 Investments 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 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 1,090.62 871.62 790.61 591.36 475.19 325.28 0.00 0.00 0.00 Total Assets 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 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 Adjusted Book Value 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Cash From Operating Activity 4,297.88 -997.67 159.47 2,043.94 439.62 1,799.30 -778.97 -513.12 -215.32 PBT 1,063.12 768.80 378.11 511.27 350.94 323.74 52.09 24.45 -0.77 Adjustment 883.88 828.68 910.36 922.33 784.97 656.62 116.69 59.66 19.86 Adjustments for Liabilities & Assets 2,641.98 -2,402.00 -970.81 764.25 -562.22 963.05 -825.67 -554.04 -219.51 Refund/(Payment) of direct taxes -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 Cash From Investing Activity -421.91 -261.26 -89.09 -42.80 -71.73 -6.62 -10.99 -3.43 1.01 Net Fixed Assets -348.78 -251.06 -84.10 -40.44 -63.86 -472.63 -7.68 -2.58 Other Investment Activity -1538.26 -1017.31 -719.96 -664.79 -559.24 -499.75 -19.56 -7.44 Cash from Financing Activity -1,612.39 60.11 -1,316.57 -1,153.91 908.28 -1,706.25 1,032.23 501.85 253.19 Closing Cash & Equivalent 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 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 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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14 Mar 13
Book Value 52.23 46.39 33.90 29.81 26.05 22.41 14.79 12.12 9.97 NIM 7.06 7.55 7.85 7.51 8.04 7.58 0.00 0.00 0.00 Yield on Advances 17.72 16.13 17.86 18.96 19.27 18.21 0.00 0.00 0.00 Yield on Investments 7.10 5.06 6.49 7.13 6.87 11.14 0.00 0.00 0.00 Cost of Liabilities 6.35 5.71 6.59 6.79 7.22 7.40 0.00 0.00 0.00 Interest Spread 11.37 10.42 11.27 12.17 12.05 10.82 0.00 0.00 0.00 ROCE 16.66% 13.71% 9.21% 12.15% 10.82% 11.51% 11.11% 11.05% 3.85% Cost Income Ratio 64.49 63.41 66.15 59.99 66.38 70.30 0.00 0.00 0.00 Core Cost Income Ratio 66.27 63.84 67.27 61.23 66.51 70.46 0.00 0.00 0.00 Operating Costs to Assets 5.52 5.83 6.32 5.38 6.12 6.40 0.00 0.00 0.00 Loans/Deposits 0.05 0.12 0.14 0.25 0.48 0.44 0.00 0.00 0.00 Cash/Deposits 0.10 0.05 0.11 0.03 0.04 0.04 0.00 0.00 0.00 Investment/Deposits 0.25 0.26 0.23 0.23 0.22 0.26 0.00 0.00 0.00 Inc Loan/Deposits 4.95% 11.73% 13.81% 25.41% 47.60% 44.11% 0.00% 0.00% 0.00% Credit Deposits 85.70% 101.78% 102.23% 102.78% 127.25% 128.74% 0.00% 0.00% 0.00% Interest Expended / Interest earned 43.87% 38.86% 41.08% 43.72% 43.48% 45.47% 0.00% 0.00% 0.00% Interest income / Total funds 12.11% 11.91% 12.84% 12.93% 13.71% 13.40% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.31% 4.63% 5.27% 5.65% 5.96% 6.09% 0.00% 0.00% 0.00% CASA 31.98% 42.23% 52.01% 34.25% 20.47% 25.25% 0.00% 0.00% 0.00%

Top Investors:

hdfc mutual fund

franklin india mutual fund

sbi mutual fund

ashish dhawan

nippon life india mutual fund

ellipsis partners llc

international finance corporation

canara robeco mutual fund

sundaram mutual fund

rimco india limited

Annual Reports:

News Update:

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 gets nod to raise Rs 1,250 crore via QIP
30th May 2025, 15:12 PM

The Board of Directors of the Bank, at the meeting held on May 30, 2025, has inter-alia considered and approved the same
Read More
Equitas Small Finance Bank reports 19% rise in total deposits in Q4FY25
5th Apr 2025, 18:06 PM

The Bank’s total gross advances were Rs 37,986 crore for the March 2025 quarter
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: