EQUITASBNK
CAUTIONEquitas Small Finance Bank
Banking · NSE
↓ 28.4% vs fair value
52W Low
₹50
+32.1% from low
52W High
₹75
-11.5% from high
Valuation Gauge
Current Price
₹66
Fair Value
₹51
Fair Value Analysis
₹51
Loss-making company — EPS ₹-0.59, PAT ₹489Cr, Revenue ₹6040Cr. Standard valuation formulas (DCF/Graham/Lynch) are not applicable for loss-making companies. Monitor for return to profitability.
P/B Multiple
100% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Mixed Signals
Profitability
ROE of 1.7% is below the Banking sector benchmark of 15%
Debt & Leverage
D/E ratio of 0.9x is well within the Banking sector norm of 8.0x — strong balance sheet
Valuation vs Peers
P/E of 75.5x is 5.1x the Banking sector median of 15x — expensive
Cash Flow
Positive operating cash flow of ₹1,692 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of -19.4% — earnings are declining (sector avg growth: 23.2%)
Dividend
No dividend — typical for growth-stage companies
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-45.0%
Free cash flow / market cap
Revenue Growth (YoY)
-3.8%
Year-on-year revenue change
Profit Growth (YoY)
+706.0%
Year-on-year PAT change
Operating Cash Flow
₹-3.3K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹0.9
P/E Ratio
75.5x
P/B Ratio
1.3x
ROE
1.7%
ROCE
—
Debt / Equity
0.94x
Beta
0.41
Div Yield
—
FCF (Cr)
₹1,692 Cr
Revenue (Cr)
₹4,066 Cr
EPS Growth 5Y
-19.4%
Mkt Cap (Cr)
₹7,758 Cr
52W High
₹74.6
52W Low
₹50
Book Value/Share
₹53.5
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹6.8K Cr | ₹-945 Cr | -14.0% | ₹103 Cr | ₹0.90 |
| 2025-03-31 | ₹6.3K Cr | ₹-564 Cr | -9.0% | ₹147 Cr | ₹1.29 |
| 2024-03-31 | ₹5.5K Cr | ₹399 Cr | 7.0% | ₹799 Cr | ₹7.04 |
| 2023-03-31 | ₹4.2K Cr | ₹184 Cr | 4.0% | ₹574 Cr | ₹5.16 |
| 2022-03-31 | ₹3.5K Cr | ₹-84 Cr | -2.0% | ₹281 Cr | ₹2.24 |
| 2021-03-31 | ₹3.2K Cr | ₹170 Cr | 5.0% | ₹384 Cr | ₹3.37 |
| 2020-03-31 | ₹2.6K Cr | ₹191 Cr | 7.0% | ₹244 Cr | ₹2.31 |
| 2019-03-31 | ₹2.1K Cr | ₹133 Cr | 6.0% | ₹211 Cr | ₹2.09 |
| 2018-03-31 | ₹1.5K Cr | ₹-105 Cr | -7.0% | ₹32 Cr | ₹0.32 |
| 2017-03-31 | ₹981 Cr | ₹-40 Cr | -4.0% | ₹104 Cr | ₹1.04 |
| 2016-03-31 | ₹408 Cr | ₹19 Cr | 5.0% | ₹85 Cr | ₹2.01 |
| 2012-03-31 | ₹6 Cr | ₹-13 Cr | -208.0% | ₹-13 Cr | ₹-2.13 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Central Bank of India | ₹31.2 | ₹51.3 | +39.2% | 6.8 | 13.2% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹204.4 | +37.1% | 5.3 | 17.6% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹201.1 | +36.1% | — | — | UNDERVALUED |
IDBI Bank Limited | ₹72.6 | ₹98.8 | +26.5% | 8.1 | 14.2% | FAIRLY_VALUED |
Bank of India | ₹139.9 | ₹186.5 | +25.0% | 6.3 | 12.1% | FAIRLY_VALUED |
Bank of Maharashtra | ₹80.3 | ₹104.8 | +23.4% | 8.6 | 22.7% | FAIRLY_VALUED |
Bank of Baroda | ₹266.8 | ₹344.4 | +22.5% | 6.8 | 12.7% | FAIRLY_VALUED |
Punjab National Bank | ₹102.9 | ₹129.9 | +20.8% | 6.4 | 13.0% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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