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Equitas Small Finance Bank
Mid Cap•25,409 Employees•IPO 2020
Current Price
₹55.85
-0.25 (-0.45%)Updated
Valuation vs Sector
P/E Ratio
-99.32vs 8.45
P/B Ratio
1.14vs 1.39
Div Yield
0.00%vs 2.25%
Today's Range
55.52
₹55.85
56.82
52 Week Range
52W Low₹50.00
52W High₹73.40
₹55.85
Downside11.70%
Upside31.42%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹7,900.2 Cr
Market Cap
Total market value of companyP/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.11
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹-0.59
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
1.11%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
6.85%
ROCE
Return on Capital Employed. >15% is goodNet Margin
20.78%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-9.69%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
21.96%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
9.85%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-969.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.41
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹53.27
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
2 points- •Equitas Small Finance Bank boasts a robust operating profit margin (OPM) of 32.40%, showcasing efficient cost management and strong profitability from core operations. This indicates a healthy business model capable of generating significant profits relative to its revenue.
- •Despite a recent profit decline, the bank demonstrates consistent quarterly sales growth, with a 9.85% increase last quarter. This positive sales trend suggests underlying growth potential and resilience amidst market challenges.
Weaknesses
6 points- •The company's substantial debt-to-equity ratio of 7.45 raises significant concerns regarding its financial leverage and solvency. High debt levels increase vulnerability to economic downturns and limit financial flexibility.
- •Equitas Small Finance Bank experienced a dramatic year-on-year decline in quarterly profits (-969%), indicating a substantial drop in profitability. This alarming negative trend necessitates immediate attention and investigation into the root causes.
Opportunities
2 points- •The company operates in the 'Financial Services' sector, which often benefits from increasing financial inclusion and economic development in emerging markets, presenting potential for future growth.
- •With a current price of 60.00 significantly below its 52-week high of 75.50, there's potential for stock price appreciation if the company's profitability and financial health improve.
Threats
2 points- •The highly competitive 'Other Bank' industry, as evidenced by numerous peers, poses a significant threat, potentially limiting market share expansion and pricing power for Equitas Small Finance Bank.
- •The broader 'Financial Services' sector, with a high average P/E of 47.48, faces potential risks from market corrections or adverse regulatory changes, which could impact all players, including Equitas.
Segment-wise Financial Analysis
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Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹59.21 | +₹3.36 | +6.01% |
| R3 | ₹57.91 | +₹2.06 | +3.68% |
| R2 | ₹57.36 | +₹1.51 | +2.71% |
| R1 | ₹56.61 | +₹0.76 | +1.35% |
| PIVOT | ₹56.06 | 0.21 | 0.38% |
| CURRENT | ₹55.85 | - | - |
| S1 | ₹52.71 | -₹3.14 | -5.63% |
| S2 | ₹54.01 | -₹1.84 | -3.30% |
| S3 | ₹54.76 | -₹1.09 | -1.95% |
| S4 | ₹55.31 | -₹0.54 | -0.97% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-25.7% vs avg
2.18M
(17 Mar 2026)Delivery %-3.9% vs avg
46.2%
(17 Mar 2026)Avg Volume (20D)20-day average
2.93M
(17 Feb - 17 Mar)Avg Delivery %Trend ↓
50.0%
(17 Feb - 17 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
Punjab & Sind Bank
22.90 %
Highest Dividend Yield
Karnataka Bank Ltd
2.40 %
Peer Comparison
| Company Name |
|---|
 City Union Bank Ltd |
 DCB Bank Ltd |
 ESAF Small Finance Bank Ltd |
 Fino Payments Bank Ltd |
 HDFC Bank Ltd |
 Jammu and Kashmir Bank Ltd |
 Jana Small Finance Bank Ltd |
 Karnataka Bank Ltd |
 Punjab & Sind Bank |
 RBL Bank Ltd |
 South Indian Bank Ltd |
 Suryoday Small Finance Bank Ltd |
 Tamilnad Mercantile Bank Ltd |
 Utkarsh Small Finance Bank Ltd |
About
Equitas Small Finance Bank Ltd
Equitas Small Finance Bank Limited (Equitas Bank) is an Indian banking institution offering a comprehensive suite of financial products and services catering to individuals, corporations, and Micro, Small, and Medium Enterprises (MSMEs). Their operations are segmented into Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations, providing a diversified approach to the market.
On the deposit side, Equitas Bank provides a range of options including fixed deposits, recurring deposits, and various savings accounts tailored to different customer needs, such as salary accounts, business accounts, current accounts, and accounts specifically designed for trusts, associations, societies, and clubs. This broad spectrum of deposit products aims to attract a wide client base with varying financial goals and requirements.
The bank's lending services are equally diverse, encompassing a wide array of loan products. These include loans against property, gold loans, home loans, new and used car loans, business loans, and loans specifically targeted at MSMEs. Further, they offer commercial vehicle finance, merchant overdraft facilities, and crucial MSME loan monitoring services. They also provide overdraft facilities secured by existing deposits.
Beyond traditional banking services, Equitas Bank also offers a range of ancillary financial products and services to enhance customer value. This includes investment services, diverse insurance options (general, life, and health), pension schemes, convenient payment and collection solutions, retail forex services, and efficient fund transfer services. Customers also benefit from the convenience of debit cards for everyday transactions.
Equitas Bank leverages modern technology to enhance accessibility and customer convenience. They provide online banking, mobile banking, and even doorstep banking services, ensuring that customers can access their accounts and manage their finances with ease, regardless of location or technological proficiency. The bank also operates a network of physical banking outlets and ATMs for in-person banking needs.
COMPANY FACTS - EQUITASBNK
Registered Address
4th Floor, Spencer Plaza, No. 769, Phase II, Anna Salai
Chennai
TAMIL NADU
IN
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 25,409
IPO Date: 02/11/2020
MANAGEMENT - EQUITASBNK
Mr. Anil Sharma
Part-Time Non-Executive Independent Chairman of the Board
Mr. Vasudevan Narasimhan
Chief Executive Officer, Managing Director, Executive Director
Mr. Sridharan N
Chief Financial Officer
Mr. Ramanathan N
Compliance Officer, Company Secretary
Mr. Balaji Nuthalapadi
Executive Director - Technology and Operations
Prof. Samir Barua
Non-Executive Independent Director
Ms. Geeta Goel
Non-Executive Independent Director
Mr. Ramkumar Krishnaswamy
Additional Non-Executive Independent Director
Mr. Narayanan Nadadur
Additional Non-Executive Independent Director
Mr. Navin Puri
Non-Executive Independent Director
Dr. Gulshan Rai
Additional Non-Executive Independent Director
Mr. Keezhayur Sampath
Additional Non-Executive Independent Director
Investor Questions Answered
Equitas Small Finance Bank Ltd (EQUITASBNK) Stock FAQs
Get answers to the most common questions about Equitas Small Finance Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Equitas Small Finance Bank Ltd (EQUITASBNK) is ₹55.85. Today, the stock has declined by ₹0.25 (0.45%), trading in a range of ₹55.52 to ₹56.82. The stock opened at ₹56.48 with a trading volume of 21,77,904 shares.
Equitas Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹7,900.2 crores, P/E ratio of 0.00, ROE of 1.11%, and ROCE of 6.85%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Equitas Small Finance Bank Ltd (EQUITASBNK) is ₹73.4, while the 52-week low is ₹50. Currently trading at ₹55.85, the stock is 25.0% away from its 52-week low and 23.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Equitas Small Finance Bank Ltd stock at ₹55.85 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a loss of 0.45%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Equitas Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹55.85, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Equitas Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: 1.11%, ROCE: 6.85%, Dividend Yield: 0.00%, EPS: ₹-0.59, Book Value: ₹53.27, Debt-to-Equity: 0.41, and Current Ratio: N/A. The company's market cap stands at ₹7,900.2 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Equitas Small Finance Bank Ltd stock opened at ₹56.48 and is currently trading at ₹55.85, showing a decline of ₹0.25 (0.45%). The intraday high is ₹56.82 and low is ₹55.52. The trading volume stands at 21,77,904 shares, indicating strong market participation today.
Equitas Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹-0.59, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Equitas Small Finance Bank Ltd has a market capitalization of ₹7,900.2 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹55.85) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Equitas Small Finance Bank Ltd has a book value of ₹53.27 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹55.85, which is 4.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Equitas Small Finance Bank Ltd has a Return on Equity (ROE) of 1.11% and Return on Capital Employed (ROCE) of 6.85%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Equitas Small Finance Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Equitas Small Finance Bank Ltd has a debt-to-equity ratio of 0.41, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Equitas Small Finance Bank Ltd has an Earnings Per Share (EPS) of ₹-0.59, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹55.85 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Equitas Small Finance Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Equitas Small Finance Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Equitas Small Finance Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (1.11%), debt-to-equity (0.41), and growth rates. 2) Technical Analysis - Check 52-week range (₹50.00 - ₹73.40), moving averages, and chart patterns. 3) Valuation - Compare current price (₹55.85) with book value (₹53.27) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Equitas Small Finance Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹55.85 is 459x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Equitas Small Finance Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹50.00 - ₹73.40). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.41 indicates leverage. 4) Liquidity Risk - Based on trading volume of 21,77,904 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Equitas Small Finance Bank Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of 1.11%, market cap of ₹7,900.2 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.41), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Equitas Small Finance Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹55.85, with a 52-week range of ₹50.00 to ₹73.40. Based on fundamentals like P/E (0.00), ROE (1.11%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Equitas Small Finance Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹55.85. 2) Fundamental Deterioration - Declining ROE (currently 1.11%), increasing debt (D/E: 0.41), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Equitas Small Finance Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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