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Banking And Finance | Small Cap
Health Score : 5.30Equitas Small Finance Bank shows a mixed financial performance. The bank has strong liquidity, driven by high current and cash ratios, indicating a robust ability to meet short-term obligations. Profitability metrics also present a mixed picture, with strong returns on capital employed, equity, and net margin, but weak gross and operating margins, as well as a negative return on assets. Growth is a concern, with strong revenue growth offset by negative trends in operating profit, EPS, and net income. The bank's solvency is a challenge, indicated by high debt ratios. Efficiency is also mixed, with good fixed asset turnover but poor inventory and capital turnover. Overall, Equitas demonstrates strengths in liquidity and certain profitability aspects, but needs to address its solvency, efficiency, and inconsistent growth to achieve better financial health.
Health Score : 5.30Equitas Small Finance Bank shows a mixed financial performance. The bank has strong liquidity, driven by high current and cash ratios, indicating a robust ability to meet short-term obligations. Profitability metrics also present a mixed picture, with strong returns on capital employed, equity, and net margin, but weak gross and operating margins, as well as a negative return on assets. Growth is a concern, with strong revenue growth offset by negative trends in operating profit, EPS, and net income. The bank's solvency is a challenge, indicated by high debt ratios. Efficiency is also mixed, with good fixed asset turnover but poor inventory and capital turnover. Overall, Equitas demonstrates strengths in liquidity and certain profitability aspects, but needs to address its solvency, efficiency, and inconsistent growth to achieve better financial health.
Overall Valuation Score
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Markets Today NSE
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Price Movement Indicator
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P/E RATIO (TTM)
81.58
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
81.58
P/B RATIO
1.37
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
1.18
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
-3.53
EV/EBITDA RATIO
2.33
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹73.42 as on Sep 1, 2026.
Growth Score : 4.80The company's growth ratios present a mixed outlook. Revenue growth is strong, indicating the company is expanding its sales and market presence. However, negative growth in operating profit, EPS, and net income raises concerns about profitability and operational efficiency. While asset growth is positive, the overall growth picture is inconsistent, suggesting the company needs to improve its ability to translate revenue growth into bottom-line profitability.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 8.33 | 20.29 | 31.81 | 15.06 | 7.64 |
| Operating Profit Growth Rate | -149.41 | 319.05 | 116.85 | -241.35 | -67.55 |
| Earnings Per Share (EPS) Growth | -33.53 | 130.36 | 36.43 | -81.68 | -30.23 |
| Asset Growth Rate | 9.07 | 29.72 | 29.6 | 16.63 | 14.71 |
| Net Income Growth Rate | -26.82 | 104.27 | 39.2 | -81.6 | -29.93 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | MUTHOOTMF | 5.52 | 19.64 | Neutral | N/A | 9.99 | 170.00 |
| 2 | EQUITASBNK | 5.30 | 81.58 | Undervalued | N/A | 0.90 | 103.00 |
| 3 | JSFB | 4.35 | 17.10 | Neutral | N/A | 30.99 | 326.00 |
| 4 | UJJIVANSFB | 4.05 | 18.31 | Neutral | N/A | 3.56 | 693.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤6th May 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤30th Apr 26
Audited Financial Results for the Quarter and Year Ended March 31, 2026
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Equitas Small Finance Bank Ltd. is a leading Indian small finance bank, headquartered in Chennai, focused on financial inclusion. It provides a comprehensive range of banking products, including various loans (microfinance, vehicle, small business, housing, gold) and deposit services. The bank primarily serves unserved and underserved segments, leveraging digital platforms for wider reach and customer convenience.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Equitas Small Finance Bank Ltd's P/E ratio (TTM) is 81.58, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Equitas Small Finance Bank Ltd's P/B ratio is 1.37, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Equitas Small Finance Bank Ltd's P/S ratio is 1.18, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Equitas Small Finance Bank Ltd's PEG ratio is -3.53.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Equitas Small Finance Bank Ltd's EV/EBITDA ratio is 2.33.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Equitas Small Finance Bank Ltd's ROE is 1.68%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Equitas Small Finance Bank Ltd's ROA is -1.56%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Equitas Small Finance Bank Ltd's ROCE is 57.65%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Equitas Small Finance Bank Ltd's operating margin is -13.91%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Equitas Small Finance Bank Ltd's net margin is 1.52%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Equitas Small Finance Bank Ltd's current ratio is 22.82.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Equitas Small Finance Bank Ltd's debt-to-equity ratio is 7.33.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Equitas Small Finance Bank Ltd's interest coverage ratio is 1.04.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Equitas Small Finance Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Equitas Small Finance Bank Ltd's EPS is -30.23.
(Source line: "Ratios as of 01 Sept 2026, based on last traded price of ₹73.42. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2007 (as Equitas Holdings Limited) (as Equitas Micro Finance Limited)
Headquarters: Chennai, Tamil Nadu
Core Offerings: Vehicle Finance, Microfinance, Small Business Loans (SBL), Housing Finance, Gold Loans, Deposit Products (Savings, Current, Fixed, Recurring Deposits)
Stock Listing: NSE (EQUITASBNK), BSE (543243)
Promoter: Equitas Holdings Limited
Equitas Holdings Limited was incorporated in 2007, initially focusing on microfinance activities. In 2015, the Reserve Bank of India granted Equitas an "in-principle" approval to establish a Small Finance Bank. The bank commenced operations as Equitas Small Finance Bank Ltd. in 2016. In 2020, the bank was listed on the NSE and BSE. In February 2023, Equitas Holdings Limited was amalgamated with Equitas Small Finance Bank Ltd, simplifying the corporate structure as per regulatory requirements.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Vehicle Finance | 27.2% | Operating Profit |
| Microfinance | 19.4% | Operating Profit |
| Small Business Loans | 16.9% | Operating Profit |
| Housing Finance | 13.0% | Operating Profit |
| Other Loans (including Gold, Corporate, Agri) | ~23.5% | Operating Profit |
Advances/Lending: Specializes in providing credit to unserved and underserved segments, offering a diverse portfolio including microfinance, vehicle loans, small business loans, housing finance, and gold loans.
Deposits: Mobilizes retail and wholesale deposits, such as savings accounts, current accounts, and various fixed and recurring deposit schemes, to fund its lending operations.
Digital Banking: Leverages technology to offer comprehensive digital banking services, enabling seamless transactions, account management, and loan applications, enhancing customer reach and convenience.
P.N. Vasudevan (MD & CEO): Founder of Equitas, instrumental in its journey from a microfinance institution to a Small Finance Bank. Arun Ramanathan (Part-time Chairman): An independent director with extensive experience as a former Secretary in the Ministry of Finance.
Amalgamation of Equitas Holdings Limited (the erstwhile promoter) with Equitas Small Finance Bank Ltd became effective on February 23, 2023, streamlining the corporate structure and ensuring compliance with regulatory norms regarding promoter shareholding.
The Equitas Small Finance Bank Ltd share price today is ₹73.42 on NSE (EQUITASBNK), as of 08 Sept 2026.
As of 01 Sept 2026, Equitas Small Finance Bank Ltd share price is ₹73.42, with previous close ₹73.42. Today's range is ₹73.42 to ₹73.42. The 52-week range is ₹73.42 to ₹73.42.
As of today, Equitas Small Finance Bank Ltd's market cap is ₹8,023.34 crore (Mid Cap).
Equitas Small Finance Bank Ltd's current P/E ratio is 81.58, compared to the BANKING AND FINANCE sector average of 19.
Equitas Small Finance Bank Ltd's current P/B ratio is 1.37.
Equitas Small Finance Bank Ltd's current dividend yield is N/A. Last dividend of ₹1.00 per share was declared on 14-Jun-2024.
Equitas Small Finance Bank Ltd's EPS (TTM) is ₹-30.23.
Equitas Small Finance Bank Ltd. is a leading Indian small finance bank, headquartered in Chennai, focused on financial inclusion. It provides a comprehensive range of banking products, including various loans (microfinance, vehicle, small business, housing, gold) and deposit services. The bank primarily serves unserved and underserved segments, leveraging digital platforms for wider reach and customer convenience.
Equitas Small Finance Bank Ltd is promoted by Equitas Holdings Limited, holding 0% as of 01 Sept 2026.
Equitas Small Finance Bank Ltd is listed on NSE (EQUITASBNK) and BSE (543243). Its next quarterly results are expected on August 2024.
Cash Earnings Per Share (Cash EPS)