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Equitas Small Finance Bank Limited
Fundamental Score
Equitas Small Finance Bank Limited Share Price & Market Analysis
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
5 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.
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: 63.43%)
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
13 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.
Premium Valuation Risk (P/E: 47.58x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Profit Decline Concern (-968.63%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
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: 7.45)
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.
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.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for Equitas Small Finance Bank Limited
About EQUITASBNK
Company Details
Market Information
Performance
EQUITASBNK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of EQUITASBNK?
EQUITASBNK is currently trading at ₹55.74 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of EQUITASBNK shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of EQUITASBNK and what does it mean?
EQUITASBNK has a P/E ratio of 47.58x compared to the industry average of 17.28x. 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 ₹48 for every ₹1 of annual earnings. This is higher than the industry average, suggesting either growth premium or potential overvaluation.
How is EQUITASBNK performing according to Bull Run's analysis?
EQUITASBNK has a Bull Run fundamental score of 16.2/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 2.43%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does EQUITASBNK belong to?
EQUITASBNK operates in the Banks industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting Equitas Small Finance Bank Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
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. An ROE of 2% means the company generates ₹2 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is EQUITASBNK's debt-to-equity ratio and what does it indicate?
EQUITASBNK has a debt-to-equity ratio of 7.45, which indicates high leverage that increases financial risk. This means the company has ₹745 of debt for every ₹100 of equity. Higher leverage can amplify returns during good times but increases bankruptcy risk during downturns.
What is EQUITASBNK's dividend yield and is it a good dividend stock?
EQUITASBNK offers a dividend yield of 1.73%, which means you receive ₹1.73 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
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%. These growth metrics show the company's ability to expand its business and improve profitability over time. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
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. This promoter holding level suggests balanced ownership between management and public shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: 0.00%.
How does EQUITASBNK compare with its industry peers?
EQUITASBNK trades at P/E 47.58x vs industry average 17.28x, with ROE of 2.43% and ROCE of 6.85%. The stock trades at a premium to industry average, which may be justified by superior fundamentals. Peer comparison helps identify whether EQUITASBNK is outperforming its competitive set in profitability, growth, and valuation metrics.
What is EQUITASBNK's market capitalization and what category does it fall into?
EQUITASBNK has a market capitalization of ₹6600 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for EQUITASBNK?
Key ratios for EQUITASBNK: ROE 2.43% (Needs improvement), ROCE 6.85%, P/E 47.58x, Debt-to-Equity 7.45, Interest Coverage 0.96x. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is EQUITASBNK stock and what is its beta?
EQUITASBNK has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for EQUITASBNK?
EQUITASBNK has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹55.74, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in EQUITASBNK?
Key risks for EQUITASBNK include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 7.45), and operational challenges. The stock has a Fundamental Score of 16.2/100, indicating higher risk requiring thorough due diligence. Sector-specific risks in Banks include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is EQUITASBNK's operating profit margin and how has it trended?
EQUITASBNK has a 5-year average Operating Profit Margin (OPM) of 44.24%, which is excellent and indicates strong pricing power and cost control. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. This strong margin indicates competitive advantages and operational leverage. Compare with industry peers to understand relative performance.
How is EQUITASBNK's quarterly performance in terms of sales and profit growth?
EQUITASBNK's recent quarterly performance shows YoY Sales Growth of 9.85% and YoY Profit Growth of -968.63%. Growth rates indicate the current business trajectory and market demand. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in EQUITASBNK?
EQUITASBNK has FII holding of 16.30% and DII holding of 47.13%, totaling 63.43% institutional ownership. High institutional holding indicates professional validation of business quality and growth prospects. Significant FII holding suggests global investor confidence and potential for index inclusion. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.