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Equitas Small Finance Bank Limited

Equitas Small Finance Bank Limited

EQUITASBNK.NS
Equitas Small Finance Bank LimitedIN flagNational Stock Exchange of India
82.24
INR
+4.07
- -
94.06BMarket Cap
Equitas Small Finance Bank Limited
EQUITASBNK.NS
(National Stock Exchange of India)

Recent

price

82.24

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
10.8
13.76
17.39
20.17
21.75
25.03
33.42
36.52
- -
27.95
Revenue per Share
0.32
2.09
2.41
3.53
2.43
4.71
7.12
1.29
- -
-1.01
Basic EPS, GAAP
1.28
17.38
3.61
18.3
0.58
-10.37
30.91
14.84
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
0.99
1
- -
- -
Dividend per Share
13.16
14.62
16.77
18.7
20.33
14.03
18.46
17.87
- -
- -
Book Value per Share
20.27
22.36
27.13
31.17
36.75
42.35
53.17
53.27
- -
- -
Tangible Book Value per Share
1,008
1,008
1,012
1,090
1,155
1,218
1,123
1,140
- -
1,141
Basic Weighted Avg Shares
10,889
13,869
17,597
21,973
25,129
30,484
37,516
41,631
44,647
31,891
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
875
918
965
764
753
845
1,344
1,481
1,665
- -
Depreciation Expense
318
2,106
2,436
3,842
2,807
5,736
7,990
1,470
1,031
-1,154
Net Income, GAAP
34.39
34.96
30.58
24.85
25.75
25.39
24.85
26.05
19.55
47.1
Effective Tax Rate (%)
2.92
15.18
13.85
17.49
11.17
18.82
21.3
3.53
2.31
-3.62
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
43,872
39,730
49,019
41,543
26,164
29,738
17,875
21,370
57,726
- -
LT Debt
20,438
22,543
27,441
33,963
42,462
51,579
59,687
60,725
61,248
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
15.03
15.37
20.58
12.8
28.27
42.26
7.16
6.49
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1,140
- -
Market Capitalization
72,440
62,330
76,569

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
55,363
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
- -
15.39%
7.24%
Total Cash Common Dividend
- -
- -
-99.99%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9,145
9,470
9,906
8,995
37,516
2025
10,102
- -
10,568
10,549
41,631
2026
10,774
11,411
12,436
- -
44,647

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.72
1.77
1.79
- -
7.12
2025
0.23
- -
0.58
0.37
1.29
2026
-1.96
0.79
1.86
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.99
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
- -
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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.