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    Regional banks
Equitas Small Finance Bank Ltd.

Equitas Small Finance Bank Ltd.

66.38
INR
-0.28
(-0.42%)
2.30EPS
32.82P/E
86.35BMarket Cap
Oct 29Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
10.8
13.76
17.39
20.17
21.75
25.03
33.42
35.74
37.66
41.59
Basic EPS, GAAP
0.32
2.09
2.41
3.53
2.43
4.71
7.12
1.29
0.9
2.3
Free Cash Flow per Basic Share
1.28
17.38
3.61
18.3
0.58
-10.37
30.91
14.87
-30.77
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
0.99
1
- -
- -
Book Value per Share
17.96
19.81
24.11
29.81
33.91
46.44
52.59
53.27
53.68
- -
Tangible Book Value per Share
17.96
19.81
24.11
29.81
33.91
46.44
52.59
53.27
53.68
- -
Basic Weighted Avg Shares
1,008
1,008
1,012
1,090
1,155
1,218
1,123
1,138
1,141
1,141
Sales/Revenue/Turnover
10,889
13,869
17,597
21,973
25,129
30,484
37,516
40,663
42,956
47,468
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
875
918
965
764
753
845
1,344
1,481
1,665
- -
Net Income, GAAP
318
2,106
2,436
3,842
2,807
5,736
7,990
1,470
1,031
2,626
Effective Tax Rate (%)
34.39
34.96
30.58
24.85
25.75
25.39
24.85
26.05
19.55
22.47
Profit Margin (%)
2.92
15.18
13.85
17.49
11.17
18.82
21.3
3.62
2.4
5.53
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
43,872
39,730
49,019
41,543
26,164
29,738
17,875
21,370
57,726
- -
Total Equity
20,438
22,543
27,441
33,963
42,462
51,579
59,687
60,725
61,248
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.33
3.51
5.06
3.9
7.65
10.06
1.84
1.03
- -
Return on Common Equity (%)
- -
9.8
9.75
12.51
7.35
12.2
14.36
2.44
1.69
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,141
1,141
1,144
Market Capitalization
71,820
58,958
86,351

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
56,663
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
12.96%
0.86%
Free Cash Flow
- -
-564.72%
-307.37%
Net Income, GAAP
- -
1.04%
-29.9%
Sales/Revenue/Turnover
- -
14.55%
5.64%
Total Cash Common Dividend
- -
- -
-99.99%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
10,102
- -
10,568
10,549
40,663
2026
10,774
- -
11,411
12,436
42,956
2027
12,847
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.23
- -
0.58
0.37
1.29
2026
-1.96
- -
0.79
1.86
0.9
2027
1.61
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Vasudevan Pathangi Narasimhan
Full Time Employees
28,072
Sector
Finance
Industry
Regional banks
Address
Spencer Plaza Chennai TN India 600002
IPO Date
Nov 2, 2020
Website
equitasbank.com
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Business
Equitas Small Finance Bank Limited (EQUITASBNK.NS) operates as a leading small finance bank in India, focusing on financial inclusion for underserved and unserved customer segments through a diversified portfolio of retail banking products and services. The bank offers savings accounts including Wings, Eva, Regular and digital Selfe variants; current accounts; term deposits and fixed deposits with competitive rates up to 7.80% p.a. for select tenures; personal loans, gold loans, used car loans, home loans, affordable housing finance, small business loans, microfinance loans, merchant overdraft facilities, vehicle finance encompassing new and used commercial vehicles and two-wheelers; NRI banking services; and digital offerings such as mobile banking, internet banking, WhatsApp banking, Fastag, insurance products, mutual funds and loan origination via the Selfe app. It maintains pan-India operations across 18 states and union territories with 964 banking outlets, 399 liability branches, 565 asset branches and 365 ATMs, headquartered in Chennai, Tamil Nadu, with roots tracing back to 2007 as a microfinance institution before transitioning to a small finance bank in 2016. In recent developments, the bank inaugurated the Sringeri Sharada Equitas Cancer cum Multi-Speciality Hospital in partnership with Sringeri Sharada Peetham in 2024 to provide affordable cancer care; entered a bancassurance alliance with Pramerica Life Insurance to distribute retail, group life, savings, health and ULIP products via its 1,000 outlets and 2.5 million customers; launched co-branded credit cards with HDFC Bank, new car loans, Selfe Loans app and remittance products under its AD1 license; approved a Rs 1,250 crore qualified institutional placement in May 2025 to bolster capital; appointed Manish Agrawal as President-Finance effective November 2025 and made senior leadership changes in internal audit; raised Rs 5,000 million via non-convertible debentures in H1 FY26; and revamped loan origination systems for personal loans, credit cards, small business loans and affordable housing finance while advancing digital platforms for younger customers.