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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

8,259.45
16.53
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,468.71
N/A
1.35

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

29.41
42.76
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-0.10
-18.16
-49.47

PAT CAGR (%)

10 Years
5 Years
3 Years

1.56
1.46

P:E (Median)

8 Years
5 Years
3 Years

-
16.27
14.74

P:BV (Average)

8 Years
5 Years
3 Years

-
1.56
1.46

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
7.49
5.73

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 1,960.40 1,648.86 18.89% 1,836.35 1,643.97 11.70% 1,691.68 1,611.93 4.95% 1,617.35 1,554.87 4.02%
Interest Exp. 930.80 863.12 7.84% 856.23 814.54 5.12% 840.05 793.54 5.86% 843.67 752.56 12.11%
Net Interest Income 1,029.59 785.75 31.03% 980.12 829.42 18.17% 851.63 818.39 4.06% 773.68 802.31 -3.57%
NIM 7.24 6.55 10.53% 7.29 7.13 2.24% 6.72 8.36 -19.62% 6.29 7.69 -18.21%
Other Income 255.10 291.69 -12.54% 263.46 225.45 16.86% 289.46 238.41 21.41% 228.95 238.93 -4.18%
Total Income 2,215.50 1,940.55 14.17% 2,099.81 1,869.42 12.32% 1,981.13 1,850.34 7.07% 1,846.29 1,793.80 2.93%
Operating Exp. 879.96 762.66 15.38% 841.12 743.57 13.12% 833.90 723.95 15.19% 762.06 691.52 10.20%
Operating Profit 404.73 314.77 28.58% 402.46 311.30 29.28% 307.18 332.86 -7.71% 240.56 349.72 -31.21%
Provision 160.66 612.25 -73.76% 124.11 258.01 -51.90% 193.45 243.11 -20.43% 207.02 329.66 -37.20%
PBT 244.07 -297.48 - 278.35 53.29 422.33% 113.73 89.74 26.73% 33.54 20.06 67.20%
PBTM 12.45 -18.04 - 15.16 3.24 367.90% 6.72 5.57 20.65% 2.07 1.29 60.47%
TAX 60.47 -73.72 - 65.67 11.18 487.39% 23.70 23.44 1.11% 9.40 7.18 30.92%
PAT 183.61 -223.76 - 212.68 42.11 405.06% 90.03 66.30 35.79% 24.13 12.88 87.34%
PATM 9.37% -13.57% 11.58% 2.56% 5.32% 4.11% 1.49% 0.83%
EPS 1.61 -1.96 - 1.86 0.37 402.70% 0.79 0.58 36.21% 0.21 0.11 90.91%
Gross NPA 1,100.39 1,035.99 6.22% 1,134.89 1,067.73 6.29% 1,116.09 1,071.87 4.13% 1,081.87 1,022.82 5.77%
Gross NPA% 2.42 2.92 -17.12% 2.60 2.89 -10.03% 2.75 2.97 -7.41% 2.92 2.95 -1.02%
Net NPA 318.94 341.59 -6.63% 306.08 354.19 -13.58% 367.16 340.05 7.97% 357.82 330.29 8.34%
Net NPA% 0.71 0.98 -27.55% 0.72 0.98 -26.53% 0.92 0.96 -4.17% 0.98 0.97 1.03%
CASA 25.00 29.00 -13.79% 26.00 29.00 -10.34% 30.00 29.00 3.45% 31.00 31.00 0.00%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 3,635.03 3,391.17 3,251.62 3,079.76 2,544.73 2,038.54 1,797.96 1,495.30 1,151.73 860.54 533.89 Interest Earned 7,105.78 6,794.24 6,311.73 5,486.40 4,161.88 3,459.67 3,194.41 2,645.44 2,111.93 1,542.71 981.05 Interest Expended 3,470.75 3,403.07 3,060.11 2,406.64 1,617.15 1,421.13 1,396.45 1,150.14 960.20 682.17 447.16 Int. income Growth 12.34% 4.29% 5.58% 21.03% 24.83% 13.38% 20.24% 29.83% 33.84% 61.18% Other Income 1,036.97 1,073.55 911.49 798.67 669.59 537.56 418.05 282.35 282.90 241.22 233.23 Total Income 8,142.73 4,464.72 4,163.11 3,878.43 3,214.32 2,576.10 2,216.01 1,777.65 1,434.63 1,101.76 767.12 Total Expenditure 3,317.04 4,170.06 3,816.10 2,680.88 2,360.96 2,122.70 1,628.32 1,330.27 1,019.12 965.73 573.96 Employee Cost - 1,964.08 1,621.01 1,368.83 1,096.68 898.21 791.45 709.79 551.31 515.41 318.04 % Of Sales - 28.91% 25.68% 24.95% 26.35% 25.96% 24.78% 26.83% 26.10% 33.41% 32.42% Opt. & Establishment Exp. - 1,402.18 1,355.97 1,266.66 1,026.16 881.21 614.41 566.74 548.96 453.22 222.91 % Of Sales - 20.64% 21.48% 23.09% 24.66% 25.47% 19.23% 21.42% 25.99% 29.38% 22.72% Provisions - 1,136.84 1,135.42 314.23 407.20 493.84 375.32 246.64 102.41 172.12 96.43 % Of Sales - 16.73% 17.99% 5.73% 9.78% 14.27% 11.75% 9.32% 4.85% 11.16% 9.83% EBITDA 1,354.96 294.66 347.01 1,197.55 853.36 453.40 587.69 447.38 415.51 136.03 193.16 EBITDA Margin 53.32% 8.69% 10.67% 38.88% 33.53% 22.24% 32.69% 29.92% 36.08% 15.81% 36.18% Depreciation 0.00 166.52 148.15 134.42 84.54 75.28 76.43 96.45 91.78 87.51 31.71 PBT 669.69 128.13 198.85 1,063.13 768.81 378.11 511.26 350.94 323.74 48.52 161.45 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 159.24 25.05 51.80 264.17 195.22 97.38 127.04 107.30 113.17 16.69 57.32 Tax Rate 23.78% 19.55% 26.05% 24.85% 25.39% 25.75% 24.85% 30.58% 34.96% 34.40% 35.50% PAT 510.45 103.08 147.05 798.96 573.59 280.73 384.22 243.64 210.57 31.83 104.13 PAT before Minority Interest 510.45 103.08 147.05 798.96 573.59 280.73 384.22 243.64 210.57 31.83 104.13 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 10.93% 2.31% 3.53% 20.60% 17.84% 10.90% 17.34% 13.71% 14.68% 2.89% 13.57% PAT Growth -598.15% -29.90% -81.59% 39.29% 104.32% -26.94% 57.70% 15.70% 561.55% -69.43% EPS 4.46 0.90 1.29 6.99 5.02 2.45 3.36 2.13 1.84 0.28 0.91

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 6,124.83 6,072.52 5,968.70 5,157.95 4,246.17 3,396.34 2,744.15 2,254.32 2,043.75 2,011.92 Share Capital 1,141.04 1,139.86 1,134.89 1,110.56 1,252.03 1,139.28 1,053.40 1,005.94 1,005.94 1,005.94 Total Reserves 4,924.15 4,875.98 4,793.03 4,041.70 2,992.87 2,257.06 1,690.75 1,248.38 1,037.81 1,005.98 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 46,533.09 43,102.31 36,129.20 25,348.48 18,950.80 16,391.97 10,788.41 9,006.74 5,603.93 1,921.29 Borrowings 5,772.55 2,136.99 1,787.53 2,973.76 2,616.40 4,165.32 5,134.87 3,973.03 5,177.21 4,778.90 Other Liabilities & Provisions 2,179.89 1,523.81 1,418.44 1,477.94 1,134.26 754.84 628.12 528.61 485.07 533.24 Total Liabilities 60,610.36 52,835.63 45,303.87 34,958.13 26,947.63 24,708.47 19,295.55 15,762.70 13,309.96 9,245.35 Net Block 526.56 530.91 536.53 337.70 189.27 184.17 210.50 235.71 279.73 273.61 Gross Block 1,465.82 1,331.76 1,208.80 886.79 665.98 592.18 550.35 487.14 444.68 352.62 Accumulated Depreciation 939.26 800.85 672.28 549.09 476.71 408.01 339.86 251.43 164.94 79.01 Total Non-Current Assets 59,281.70 51,729.58 44,213.25 34,086.51 26,157.02 24,117.12 18,820.36 15,437.39 13,055.57 8,994.75 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 188.73 164.79 68.20 41.43 11.18 0.88 2.27 1.62 1.15 14.74 Cash and balance with RBI 5,563.29 4,954.11 3,500.35 1,173.91 2,076.99 514.81 380.86 402.70 386.08 247.93 Balance with banks and money at call 103.00 582.19 78.60 70.35 55.52 2,863.90 2,155.98 857.91 825.08 866.14 Investments 10,148.83 9,288.69 9,065.27 6,664.56 4,449.85 3,705.17 2,342.51 2,344.45 3,856.84 1,890.50 Advances 42,751.29 36,208.89 30,964.30 25,798.56 19,374.21 16,848.19 13,728.24 11,595.00 7,706.69 5,701.83 Other Assets 1,328.67 1,106.06 1,090.62 871.62 790.61 591.36 475.19 325.28 254.38 250.59 Total Assets 60,610.37 52,835.64 45,303.87 34,958.13 26,947.63 24,708.48 19,295.55 15,762.67 13,309.95 9,245.34 Contingent Liabilities 1,024.55 794.60 409.69 122.67 49.28 12.51 26.98 32.72 33.15 49.31 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 53.15 52.78 52.23 46.39 33.90 29.81 26.05 22.41 20.32 20.00

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 17 Mar 16
Cash From Operating Activity -3,315.83 1,936.82 3,833.54 -997.67 159.47 2,043.94 439.62 1,799.30 1,333.74 -336.07 PBT 128.13 198.85 1,063.12 768.80 378.11 511.27 350.94 323.74 161.45 130.82 Adjustment 452.64 501.74 273.62 828.68 910.36 922.33 784.97 656.62 540.17 200.35 Adjustments for Liabilities & Assets -3,815.67 1,400.56 2,787.90 -2,402.00 -970.81 764.25 -562.22 963.05 730.80 -616.98 Refund/(Payment) of direct taxes -80.93 -164.33 -291.10 -193.15 -158.19 -153.90 -134.08 -144.10 -98.67 -50.26 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 -185.42 -238.67 -359.73 -261.26 -89.09 -42.80 -71.73 -6.62 -404.97 -8.72 Net Fixed Assets -158.00 -219.55 -348.78 -251.06 -84.10 -40.44 -63.86 -121.40 -343.23 Other Investment Activity -1893.22 -1856.28 -1538.26 -1017.31 -719.96 -664.79 -559.24 -893.73 -376.08 Cash from Financing Activity 3,641.25 259.20 -1,210.22 60.11 -1,316.57 -1,153.91 908.28 -1,706.25 -562.55 168.06 Closing Cash & Equivalent 5,605.20 5,465.20 3,507.85 1,244.26 2,132.51 3,378.71 2,531.48 1,255.32 995.81 94.25 Net Cash Inflow / Outflow 140.00 1,957.35 2,263.59 -1,198.81 -1,246.19 847.23 1,276.17 86.43 366.22 -176.73 Opening Cash & Equivalents 5,465.20 3,507.85 1,244.26 2,132.51 3,378.71 2,531.48 1,255.32 1,168.89 94.25 270.98

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 15 Mar 14
Book Value 53.15 52.78 52.23 46.39 33.90 29.81 26.05 22.41 14.79 12.12 NIM 5.79 6.37 7.06 7.55 7.85 7.51 8.04 7.58 0.00 0.00 Yield on Advances 15.89 17.43 17.72 16.13 17.86 18.96 19.27 18.21 0.00 0.00 Yield on Investments 8.45 8.53 7.10 5.06 6.49 7.13 6.87 11.14 0.00 0.00 Cost of Liabilities 6.51 6.76 6.35 5.71 6.59 6.79 7.22 7.40 0.00 0.00 Interest Spread 9.39 10.67 11.37 10.42 11.27 12.17 12.05 10.82 0.00 0.00 ROCE 4.38% 4.62% 16.66% 13.71% 9.21% 12.15% 10.82% 11.51% 11.11% 11.05% Cost Income Ratio 71.67 67.95 64.49 63.41 66.15 59.99 66.38 70.30 0.00 0.00 Core Cost Income Ratio 74.68 70.34 66.27 63.84 67.27 61.23 66.51 70.46 0.00 0.00 Operating Costs to Assets 5.28 5.35 5.52 5.83 6.32 5.38 6.12 6.40 0.00 0.00 Loans/Deposits 0.12 0.05 0.05 0.12 0.14 0.25 0.48 0.44 0.00 0.00 Cash/Deposits 0.12 0.11 0.10 0.05 0.11 0.03 0.04 0.04 0.00 0.00 Investment/Deposits 0.22 0.22 0.25 0.26 0.23 0.23 0.22 0.26 0.00 0.00 Inc Loan/Deposits 12.41% 4.96% 4.95% 11.73% 13.81% 25.41% 47.60% 44.11% 0.00% 0.00% Credit Deposits 91.87% 84.01% 85.70% 101.78% 102.23% 102.78% 127.25% 128.74% 0.00% 0.00% Interest Expended / Interest earned 50.09% 48.48% 43.87% 38.86% 41.08% 43.72% 43.48% 45.47% 0.00% 0.00% Interest income / Total funds 11.21% 11.95% 12.11% 11.91% 12.84% 12.93% 13.71% 13.40% 0.00% 0.00% Interest Expended / Total funds 5.61% 5.79% 5.31% 4.63% 5.27% 5.65% 5.96% 6.09% 0.00% 0.00% CASA 26.21% 28.78% 31.98% 42.23% 52.01% 34.25% 20.47% 25.25% 0.00% 0.00%