EQUITASBNK - Equitas Small Finance Bank Limited Share Price

Banks

₹67.87-2.11(-3.02%)

Market Open as of Apr 28, 2025, 12:30 IST

What does Equitas Small Finance Bank Limited do?

Other Bank•Financial Services•Small Cap

Equitas Small Finance Bank Limited provides various banking products and services to for individuals and corporates, as well as micro, small, and medium enterprises in India. The company operates through Treasury, Corporate / Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers fixed and recurring deposit products; and savings, salary, business, and current accounts, as well as trust, association, society, and club accounts. The company also provides loans against property; gold, home, used and new car, business, and MSME loans; commercial vehicle finance, merchant overdraft, and MSME loans monitoring services; overdraft against deposits; investment services; general, life, and health insurances; pension schemes; payments and collection solutions; retail forex services; fund transfer services; and debit cards. In addition, it offers online, mobile, and doorstep banking services. It operates various banking outlets and ATMs. The company was formerly known as Equitas Finance Limited. Equitas Small Finance Bank Limited was incorporated in 1993 and is based in Chennai, India.

Industry Group:Banks

Employees:22,854

Website:www.equitasbank.com

Pros

Momentum: Stock price has a strong positive momentum. Stock is up 27.4% in last 30 days.

Technicals: Bullish SharesGuru indicator.

Size: Market Cap wise it is among the top 20% companies of india.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Growth: Good revenue growth. With 78.4% growth over past three years, the company is going strong.

Balance Sheet: Strong Balance Sheet.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

Insider Trading: Significant insider selling noticed recently.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: EQUITASBNK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

EQUITASBNK metrics compared to Banks

Category	EQUITASBNK	Banks
PE	25.51	13.47
PS	1.13	1.88
Growth	17.4 %	12.2 %

Performance Comparison

EQUITASBNK vs Banks (2021 - 2025)

Key Insights

1. EQUITASBNK is NOT among the Top 10 largest companies in Banks.
2. The company holds a market share of 0.2% in Banks.
3. In last one year, the company has had an above average growth that other Banks companies.

Income Statement for Equitas Small Finance Bank

Standalone figures (in Rs. Crores)

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	4.3%	1,425	1,366	1,325	1,279	1,274	1,225
Revenue on investments	-3.6%	164	170	154	157	149	126
Interest on balances with RBI and others	22.2%	23	19	22	8.67	5.77	7.64
Total interest earned	3.7%	1,612	1,555	1,501	1,445	1,429	1,359
Other income	-0.4%	238	239	209	240	205	181
Total income	3.1%	1,850	1,794	1,710	1,685	1,634	1,540
Total expenditure	5.1%	1,517	1,444	1,369	1,310	1,274	1,210
Interest expended	5.5%	794	753	699	659	644	593
Employees cost	5.7%	425	402	375	363	346	332
Other operating expenses	3.1%	298	289	295	288	284	285
Operating expenses	4.6%	724	692	670	652	630	617
Operating profit	-4.9%	333	350	340	375	360	330
Provisions other than tax and contingencies	-26.4%	243	330	305	107	84	63
Profit before tax	368.4%	90	20	36	268	276	267
Tax expense	256%	23	7.18	10	61	74	69
Profit after tax	441.7%	66	13	26	208	202	198
Net profit (loss) for the period	441.7%	66	13	26	208	202	198
Reserve excluding revaluation reserves	-	-	-	-	4,834	-	-
CET 1 ratio	-0.7%	0.175	0.1811	0.2055	0.2071	02	021
Additional tier 1 ratio	1.6%	0.0279	0.0125	0	099	055	001
Gross non performing assets	4.8%	1,072	1,023	889	821	750	660
Non performing assets	3%	340	330	264	361	330	279
Return on assets	-	0	0	0	0	048	0

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Interest or discount on advances or bills	30.7%	4,921	3,765	3,139	2,901
Revenue on investments	71.1%	540	316	246	219
Interest on balances with RBI and others	-69.1%	26	82	74	74
Total interest earned	31.8%	5,486	4,162	3,460	3,194
Other income	19.3%	799	670	538	418
Total income	30.1%	6,285	4,831	3,997	3,612
Total expenditure	34.3%	4,908	3,655	3,125	2,726
Interest expended	48.9%	2,407	1,617	1,421	1,396
Employees cost	24.8%	1,369	1,097	898	791
Other operating expenses	20.2%	1,132	942	806	538
Operating expenses	22.7%	2,501	2,038	1,704	1,329
Operating profit	17.1%	1,377	1,176	872	887
Provisions other than tax and contingencies	-22.9%	314	407	494	375
Profit before tax	38.3%	1,063	769	378	511
Tax expense	35.6%	264	195	97	127
Profit after tax	39.3%	799	574	281	384
Net profit (loss) for the period	39.3%	799	574	281	384
CET 1 ratio	-4.1%	0.2071	0.238	0.2516	0.2418
Additional tier 1 ratio	-	099	0	0	0
Gross non performing assets	13.4%	821	724	837	643
Non performing assets	15.8%	361	312	479	266
Return on assets	-1.8%	002	0.0182	0.0107	0.0165

Balance Sheet for Equitas Small Finance Bank

Standalone figures (in Rs. Crores)

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1073520000%	486,335,488,000	45,304	40,129	34,958	29,924	26,952
Cash balances with RBI	-38.3%	2,160	3,500	1,306	1,174	976	957
Investments	10.2%	9,987	9,065	8,551	6,665	5,746	4,450
Advances	9.7%	33,962	30,964	28,768	25,799	21,840	19,374
Fixed assets	2.8%	622	605	560	379	221	200
Other assets	34.7%	1,469	1,091	928	872	853	795
Capital	0.3%	1,138	1,135	1,122	1,111	1,254	1,252
Reserves and surplus	-0.5%	4,809	4,834	4,357	4,047	3,213	2,994
Deposits	10.3%	39,859	36,129	30,839	25,381	21,726	18,951
Borrowings	-39.3%	1,085	1,788	2,481	2,974	2,339	2,616
Other liabilities and provisions	22.9%	1,742	1,418	1,330	1,446	1,392	1,139
Total capital and liabilities	7.4%	48,634	45,304	40,129	34,958	29,924	26,952

Cash Flow for Equitas Small Finance Bank

Standalone figures (in Rs. Crores)

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	38.3%	1,063	769	378
Finance costs	26.1%	388	308	320
Depreciation	58.3%	134	85	75
Impairment loss / reversal	-3.8%	52	54	-18.9
Dividend income	67.8%	0.81	0.41	0.5
Share-based payments	-	36	0	0
Total adjustments to profit/loss	6.6%	884	829	910
Change in trade receivables	-	-191.22	0	0
Total adj. for working capital	-165.1%	-218.98	339	105
Net Cashflows From Operations	-10.7%	1,728	1,936	1,393
Interest paid	-100.3%	0	306	0
Income taxes paid (refund)	51%	291	193	158
Other inflows/outflows of cash	204.4%	2,861	-2,738.56	-1,075.69
Net Cashflows From Operating Activities	429.8%	4,298	-1,301.72	159
Proceeds from sales of tangible assets	95.8%	3.82	2.44	1.77
Purchase of tangible assets	174.2%	245	90	64
Purchase of intangible assets	-33.1%	118	176	29
Interest received	-	8.93	0	1.89
Other inflows/outflows of cash	-123.3%	-71.1	311	0
Net Cashflows From Investing Activities	-1019.4%	-421.91	47	-89.09
Proceeds from issuing shares	1018.3%	88	8.78	568
Proceeds from borrowings	-100.3%	0	357	0
Repayments of borrowings	-	1,186	0	1,549
Dividends paid	-	112	0	0
Interest paid	-	402	0	335
Net Cashflows From Financing Activities	-542%	-1,612.39	366	-1,316.57
Net change in cash and cash eq.	354.5%	2,264	-888.26	-1,246.2

Investor Care
Dividend Yield	1.69%
Dividend/Share (TTM)	1
Shares Dilution (1Y)	0.70%
Diluted EPS (TTM)	2.72

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Share Holdings

Understand Equitas Small Finance Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
HDFC MUTUAL FUND	8.59%
FRANKLIN INDIA MUTUAL FUND	6.29%
SBI MUTUAL FUND	6.12%
ASHISH DHAWAN	3.72%
NIPPON LIFE INDIA MUTUAL FUND	3.07%
ELLIPSIS PARTNERS LLC	2.94%
INTERNATIONAL FINANCE CORPORATION	2.87%
CANARA ROBECO MUTUAL FUND	2.73%
SUNDARAM MUTUAL FUND	2.62%
RIMCO INDIA LIMITED	2.03%
HARA GLOBAL CAPITAL MASTER FUND I LTD	1.88%
ICICI PRUDENTIAL MUTUAL FUND	1.69%
JM FINANCIAL MUTUAL FUND	1.63%
ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED	1.56%
INVESCO INDIA MUTUAL FUND	1.55%
MASSACHUSETTS INSTITUTE OF TECHNOLOGY	1.26%
GOVERNMENT PENSION FUND GLOBAL	1.21%
DSP MUTUAL FUND	1.2%
NEW MARK CAPITAL AIF LLP	1.03%
Trusts	0.04%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Valuation
Market Cap	7.97 kCr
Price/Earnings (Trailing)	25.51
Price/Sales (Trailing)	1.13
EV/EBITDA	2.4
Price/Free Cashflow	1.66
MarketCap/EBT	19.27

Fundamentals
Revenue (TTM)	7.04 kCr
Rev. Growth (Yr)	13.22%
Rev. Growth (Qtr)	3.15%
Earnings (TTM)	312.56 Cr
Earnings Growth (Yr)	-67.18%
Earnings Growth (Qtr)	414.67%

Profitability
Operating Margin	19.86%
EBT Margin	5.88%
Return on Equity	0.64%
Return on Assets	0.00%
Free Cashflow Yield	60.16%

Is Equitas Small Finance Bank Better than it's peers?

Detailed comparison of Equitas Small Finance Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
AUBANK	AU Small Finance BankOther Bank	50.25 kCr	16.98 kCr	+17.67%	+10.89%	25.47	2.96	+47.35%	+24.19%
UJJIVANSFB	Ujjivan Small Finance BankOther Bank	8.53 kCr	7.12 kCr	+26.95%	-17.05%	8.77	1.2	+17.47%	-22.91%
UTKARSHBNK	UTKARSH SMALL FINANCE BANKOther Bank	2.77 kCr	4.21 kCr	+12.61%	-57.27%	15.38	0.66	-	-
ESAFSFB	ESAF Small Finance BankOther Bank	1.56 kCr	4.44 kCr	+18.00%	-50.92%	-5.29	0.35	-	-
SURYODAY	Suryoday Small Finance BankOther Bank	1.38 kCr	2.15 kCr	+28.05%	-37.41%	6.59	0.64	+29.33%	+8.02%

EQUITASBNK - Equitas Small Finance Bank Limited Share Price

What does Equitas Small Finance Bank Limited do?

Sector Comparison: EQUITASBNK vs Banks

Comparative Metrics

Performance Comparison

Income Statement for Equitas Small Finance Bank

Balance Sheet for Equitas Small Finance Bank

Cash Flow for Equitas Small Finance Bank

Revenue Breakdown

Investor Care

Financial Health

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Valuation

Fundamentals

Profitability

Is Equitas Small Finance Bank Better than it's peers?

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)