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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

9,010.24
87.41
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

6,193.12
N/A
1.47

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

1.60
1.50

P:E (Median)

8 Years
5 Years
3 Years

-
16.27
14.61

P:BV (Average)

8 Years
5 Years
3 Years

-
1.60
1.50

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
7.85
6.10

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 1,836.35 1,643.97 11.70% 1,691.68 1,611.93 4.95% 1,617.35 1,554.87 4.02% 1,648.86 1,500.95 9.85%
Interest Exp. 856.23 814.54 5.12% 840.05 793.54 5.86% 843.67 752.56 12.11% 863.12 699.47 23.40%
Net Interest Income 980.12 829.42 18.17% 851.63 818.39 4.06% 773.68 802.31 -3.57% 785.75 801.49 -1.96%
NIM 7.29 7.13 2.24% 6.72 8.36 -19.62% 6.29 7.69 -18.21% 6.55 7.97 -17.82%
Other Income 263.46 225.45 16.86% 289.46 238.41 21.41% 228.95 238.93 -4.18% 291.69 208.70 39.77%
Total Income 2,099.81 1,869.42 12.32% 1,981.13 1,850.34 7.07% 1,846.29 1,793.80 2.93% 1,940.55 1,709.66 13.51%
Operating Exp. 841.12 743.57 13.12% 833.90 723.95 15.19% 762.06 691.52 10.20% 762.66 669.79 13.87%
Operating Profit 402.46 311.30 29.28% 307.18 332.86 -7.71% 240.56 349.72 -31.21% 314.77 340.40 -7.53%
Provision 124.11 258.01 -51.90% 193.45 243.11 -20.43% 207.02 329.66 -37.20% 612.25 304.64 100.97%
PBT 278.35 53.29 422.33% 113.73 89.74 26.73% 33.54 20.06 67.20% -297.48 35.76 -
PBTM 15.16 3.24 367.90% 6.72 5.57 20.65% 2.07 1.29 60.47% -18.04 2.38 -
TAX 65.67 11.18 487.39% 23.70 23.44 1.11% 9.40 7.18 30.92% -73.72 10.00 -
PAT 212.68 42.11 405.06% 90.03 66.30 35.79% 24.13 12.88 87.34% -223.76 25.76 -
PATM 11.58% 2.56% 5.32% 4.11% 1.49% 0.83% -13.57% 1.72%
EPS 1.86 0.37 402.70% 0.79 0.58 36.21% 0.21 0.11 90.91% -1.96 0.23 -
Gross NPA 1,134.89 1,067.73 6.29% 1,116.09 1,071.87 4.13% 1,081.87 1,022.82 5.77% 1,035.99 889.04 16.53%
Gross NPA% 2.60 2.89 -10.03% 2.75 2.97 -7.41% 2.92 2.95 -1.02% 2.92 2.73 6.96%
Net NPA 306.08 354.19 -13.58% 367.16 340.05 7.97% 357.82 330.29 8.34% 341.59 264.13 29.33%
Net NPA% 0.72 0.98 -26.53% 0.92 0.96 -4.17% 0.98 0.97 1.03% 0.98 0.83 18.07%
CASA 26.00 29.00 -10.34% 30.00 29.00 3.45% 31.00 31.00 0.00% 29.00 31.00 -6.45%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 3,391.17 3,251.62 3,079.76 2,544.73 2,038.54 1,797.96 1,495.30 1,151.73 860.54 533.89 252.93 Interest Earned 6,794.24 6,311.73 5,486.40 4,161.88 3,459.67 3,194.41 2,645.44 2,111.93 1,542.71 981.05 408.16 Interest Expended 3,403.07 3,060.11 2,406.64 1,617.15 1,421.13 1,396.45 1,150.14 960.20 682.17 447.16 155.23 Int. income Growth 4.29% 5.58% 21.03% 24.83% 13.38% 20.24% 29.83% 33.84% 61.18% 111.08% Other Income 1,073.56 911.49 798.67 669.59 537.56 418.05 282.35 282.90 241.22 233.23 71.20 Total Income 7,867.78 4,163.11 3,878.43 3,214.32 2,576.10 2,216.01 1,777.65 1,434.63 1,101.76 767.12 324.13 Total Expenditure 3,199.74 3,816.10 2,680.88 2,360.96 2,122.70 1,628.32 1,330.27 1,019.12 965.73 573.96 188.57 Employee Cost - 1,621.01 1,368.83 1,096.68 898.21 791.45 709.79 551.31 515.41 318.04 93.46 % Of Sales - 25.68% 24.95% 26.35% 25.96% 24.78% 26.83% 26.10% 33.41% 32.42% 22.90% Opt. & Establishment Exp. - 1,355.97 1,266.66 1,026.16 881.21 614.41 566.74 548.96 453.22 222.91 94.79 % Of Sales - 21.48% 23.09% 24.66% 25.47% 19.23% 21.42% 25.99% 29.38% 22.72% 23.22% Provisions - 1,135.42 314.23 407.20 493.84 375.32 246.64 102.41 172.12 96.43 9.80 % Of Sales - 17.99% 5.73% 9.78% 14.27% 11.75% 9.32% 4.85% 11.16% 9.83% 2.40% EBITDA 1,264.99 347.01 1,197.55 853.36 453.40 587.69 447.38 415.51 136.03 193.16 135.56 EBITDA Margin 52.90% 10.67% 38.88% 33.53% 22.24% 32.69% 29.92% 36.08% 15.81% 36.18% 53.60% Depreciation 0.00 148.15 134.42 84.54 75.28 76.43 96.45 91.78 87.51 31.71 4.74 PBT 128.14 198.85 1,063.13 768.81 378.11 511.26 350.94 323.74 48.52 161.45 130.82 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 25.05 51.80 264.17 195.22 97.38 127.04 107.30 113.17 16.69 57.32 45.70 Tax Rate 19.55% 26.05% 24.85% 25.39% 25.75% 24.85% 30.58% 34.96% 34.40% 35.50% 34.93% PAT 103.08 147.05 798.96 573.59 280.73 384.22 243.64 210.57 31.83 104.13 85.12 PAT before Minority Interest 103.08 147.05 798.96 573.59 280.73 384.22 243.64 210.57 31.83 104.13 85.12 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 2.31% 3.53% 20.60% 17.84% 10.90% 17.34% 13.71% 14.68% 2.89% 13.57% 26.26% PAT Growth -29.90% -81.59% 39.29% 104.32% -26.94% 57.70% 15.70% 561.55% -69.43% 22.33% EPS 0.90 1.29 7.00 5.03 2.46 3.37 2.14 1.85 0.28 0.91 0.75

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 6,072.52 5,968.70 5,157.95 4,246.17 3,396.34 2,744.15 2,254.32 2,043.75 2,011.92 710.92 Share Capital 1,139.86 1,134.89 1,110.56 1,252.03 1,139.28 1,053.40 1,005.94 1,005.94 1,005.94 423.00 Total Reserves 4,875.98 4,793.03 4,041.70 2,992.87 2,257.06 1,690.75 1,248.38 1,037.81 1,005.98 287.92 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 5,603.93 1,921.29 0.00 Borrowings 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 1,637.73 Other Liabilities & Provisions 1,519.40 1,418.44 1,477.94 1,134.26 754.84 628.12 528.61 485.07 533.24 65.45 Total Liabilities 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 2,414.10 Net Block 530.91 536.53 337.70 189.27 184.17 210.50 235.71 279.73 273.61 11.17 Gross Block 1,331.76 1,208.80 886.79 665.98 592.18 550.35 487.14 444.68 352.62 24.13 Accumulated Depreciation 800.85 672.28 549.09 476.71 408.01 339.86 251.43 164.94 79.01 12.96 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 13,055.57 8,994.75 2,338.67 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 1.15 14.74 0.00 Cash and balance with RBI 4,954.11 3,500.35 1,173.91 2,076.99 514.81 380.86 402.70 386.08 247.93 4.88 Balance with banks and money at call 582.19 78.60 70.35 55.52 2,863.90 2,155.98 857.91 825.08 866.14 95.80 Investments 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 0.00 Advances 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 2,226.82 Other Assets 1,106.06 1,090.62 871.62 790.61 591.36 475.19 325.28 254.38 250.59 75.42 Total Assets 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 2,414.09 Contingent Liabilities 794.60 409.69 122.67 49.28 12.51 26.98 32.72 33.15 49.31 9.95 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 20.32 20.00 16.81

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 17 Mar 16
Cash From Operating Activity 1,936.82 3,833.54 -997.67 159.47 2,043.94 439.62 1,799.30 1,333.74 -336.07 PBT 198.85 1,063.12 768.80 378.11 511.27 350.94 323.74 161.45 130.82 Adjustment 501.74 273.62 828.68 910.36 922.33 784.97 656.62 540.17 200.35 Adjustments for Liabilities & Assets 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 -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 Cash From Investing Activity -238.67 -359.73 -261.26 -89.09 -42.80 -71.73 -6.62 -404.97 -8.72 Net Fixed Assets -219.55 -348.78 -251.06 -84.10 -40.44 -63.86 -121.40 -343.23 Other Investment Activity -1856.28 -1538.26 -1017.31 -719.96 -664.79 -559.24 -893.73 -376.08 Cash from Financing Activity 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 5,465.20 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 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 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 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%