Equitas Small Finance Bank Limited
Fundamental Score
Equitas Small Finance Bank Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of EQUITASBNK across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (44.24%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (87.42%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Consistent Growth Track Record (19.00% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Cash Generation (₹5974.82 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 63.87%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
11 factors identified
Below-Average Return on Equity (2.43%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (6.85%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Weak Earnings Growth (-11.09% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (-9.68% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Elevated Debt Levels (D/E: 8.12)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (0.96x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Financial Statements
Comprehensive financial data for Equitas Small Finance Bank Limited
About EQUITASBNK
Business Overview
Equitas Small Finance Bank Limited provides various banking products and services to individuals and corporates, and micro, small, and medium enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers fixed and term deposit products, and savings and current accounts, as well as trust, association, society, and club accounts. It also provides various loans, such as small business loans; vehicle financing, including used and new commercial vehicles and passenger cars; microfinance and microloans; affordable housing finance; MSE and NBFC finance; gold and staff loans; credit cards; and personal loans. In addition, the company offers lockers; forex services; life insurance products, including traditional, term, and ULIP; general insurance products, such as motor, fire, PA, and Sachet; health insurance products, including SAHI plans; mutual funds; FASTag; and the three-in-one account, comprising bank, demat, and trading. It serves children and senior citizens, non-resident Indians (NRIs), and farmers through banking outlets, offices, 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.
Company Details
Key Leadership
Corporate Events
EQUITASBNK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Equitas Small Finance Bank Limited (EQUITASBNK)?
As of 30 Jan 2026, 01:40 pm IST, Equitas Small Finance Bank Limited (EQUITASBNK) is currently trading at ₹70.11. The stock has a market capitalization of ₹7.25K (Cr).
Is EQUITASBNK share price Overvalued or Undervalued?
EQUITASBNK is currently trading at a P/E ratio of 0.00x, compared to the industry average of 24.58x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Equitas Small Finance Bank Limited share price?
Key factors influencing EQUITASBNK's price include its quarterly earnings growth (Sales Growth: 4.02%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Equitas Small Finance Bank Limited a good stock for long-term investment?
Equitas Small Finance Bank Limited shows a 5-year Profit Growth of -9.68% and an ROE of 2.43%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 8.12 before investing.
How does Equitas Small Finance Bank Limited compare with its industry peers?
Equitas Small Finance Bank Limited competes with major peers in the Other Bank. Investors should compare EQUITASBNK's P/E of 0.00x and ROE of 2.43% against the industry averages to determine its competitive standing.
What is the P/E ratio of EQUITASBNK and what does it mean?
EQUITASBNK has a P/E ratio of N/Ax compared to the industry average of 24.58x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is EQUITASBNK performing according to Bull Run's analysis?
EQUITASBNK has a Bull Run fundamental score of 24/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does EQUITASBNK belong to?
EQUITASBNK operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Equitas Small Finance Bank Limited.
What is Return on Equity (ROE) and why is it important for EQUITASBNK?
EQUITASBNK has an ROE of 2.43%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Equitas Small Finance Bank Limited generates profits from shareholders' equity.
How is EQUITASBNK's debt-to-equity ratio and what does it indicate?
EQUITASBNK has a debt-to-equity ratio of 8.12, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is EQUITASBNK's dividend yield and is it a good dividend stock?
EQUITASBNK offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has EQUITASBNK grown over the past 5 years?
EQUITASBNK has achieved 5-year growth rates of: Sales Growth 19.00%, Profit Growth -9.68%, and EPS Growth -11.09%.
What is the promoter holding in EQUITASBNK and why does it matter?
Promoters hold 0.00% of EQUITASBNK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is EQUITASBNK's market capitalization category?
EQUITASBNK has a market capitalization of ₹7246 crores, placing it in the Mid-cap category.
How volatile is EQUITASBNK stock?
EQUITASBNK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for EQUITASBNK?
EQUITASBNK has a 52-week high of ₹N/A and low of ₹N/A.
What is EQUITASBNK's operating profit margin trend?
EQUITASBNK has a 5-year average Operating Profit Margin (OPM) of 44.24%, indicating the company's operational efficiency.
How is EQUITASBNK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 4.02% and YoY Profit Growth of 87.42%.
What is the institutional holding pattern in EQUITASBNK?
EQUITASBNK has FII holding of 15.67% and DII holding of 48.20%. Significant institutional holding often suggests professional confidence in the stock.