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Equitas Small Finance Bank Ltd. (IN:EQUITASBNK)
:EQUITASBNK
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Equitas Small Finance Bank Ltd.
(EQUITASBNK)
Rating:46Neutral
Price Target:
₹54.00
▼(-1.71% Downside)
Equitas Small Finance Bank Ltd. (EQUITASBNK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹62.33B
Dividend Yield1.82%
Average Volume (3M)224.22K
Price to Earnings (P/E)44.9
Beta (1Y)0.87
Revenue Growth13.47%
EPS Growth-115.98%
CountryIN
Employees22,854
SectorFinancial
Sector Strength69
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.00
Shares Outstanding1,140,396,600
10 Day Avg. Volume300,245
30 Day Avg. Volume224,221
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹55.50Price Target Upside1.02% Upside
Rating ConsensusHold
Number of Analyst Covering2
Equitas Small Finance Bank Ltd. Business Overview & Revenue Model
Company DescriptionEquitas Small Finance Bank Ltd. (EQUITASBNK) is a prominent financial institution in India that focuses on providing banking services primarily to underserved and unbanked segments of the population. Established as a small finance bank, it offers a wide range of products including savings accounts, fixed deposits, loans, and various digital banking solutions. The bank aims to enhance financial inclusion by catering to the needs of small businesses, micro-entrepreneurs, and low-income individuals across urban and rural areas.
How the Company Makes MoneyEquitas Small Finance Bank generates revenue primarily through its interest income from loans and advances. The bank provides various types of loans, including microfinance, personal loans, business loans, and vehicle loans, which typically carry higher interest rates compared to traditional banking products. Additionally, the bank earns income from fees associated with its banking services, such as account maintenance fees, transaction fees, and charges for other services. Moreover, it also generates revenue through investments in government securities and other financial instruments. The bank's partnerships with fintech companies and other financial institutions help enhance its product offerings and reach, contributing to its revenue streams. Other factors contributing to its earnings include its strong focus on customer service and expanding its branch network to increase its customer base.
Equitas Small Finance Bank Ltd. Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | Dec 2025 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 41.63B | 37.52B | 32.14B | 25.13B | 22.00B |
| Gross Profit | 41.63B | 37.52B | 32.14B | 25.13B | 22.00B |
| EBITDA | 3.47B | 11.98B | 8.53B | 0.00 | 0.00 |
| Net Income | 1.47B | 7.99B | 5.74B | 2.81B | 3.84B |
Balance Sheet | |||||
| Total Assets | 528.36B | 453.04B | 349.58B | 269.52B | 247.15B |
| Cash, Cash Equivalents and Short-Term Investments | 55.36B | 35.79B | 1.93B | 2.17B | 29.61B |
| Total Debt | 21.37B | 17.88B | 29.74B | 27.84B | 42.85B |
| Total Liabilities | 467.63B | 393.35B | 298.00B | 227.06B | 213.19B |
| Stockholders Equity | 60.73B | 59.69B | 51.58B | 42.46B | 33.96B |
Cash Flow | |||||
| Free Cash Flow | 16.92B | 39.34B | -12.63B | 667.08M | 19.94B |
| Operating Cash Flow | 19.37B | 42.98B | -9.98B | 1.59B | 20.44B |
| Investing Cash Flow | -2.39B | -4.22B | -2.61B | -890.90M | -428.05M |
| Financing Cash Flow | 2.59B | -16.12B | 601.13M | -13.17B | -11.54B |
Equitas Small Finance Bank Ltd. Technical Analysis
Negative
54.94
Price Trends
61.88
Negative
62.75
Negative
63.45
Negative
Market Momentum
-2.16
Negative
35.41
Neutral
45.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:EQUITASBNK, the sentiment is Negative. The current price of 54.94 is below the 20-day moving average (MA) of 56.65, below the 50-day MA of 61.88, and below the 200-day MA of 63.45, indicating a bearish trend. The MACD of -2.16 indicates Negative momentum. The RSI at 35.41 is Neutral, neither overbought nor oversold. The STOCH value of 45.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:EQUITASBNK.
Equitas Small Finance Bank Ltd. Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $17.56B | 11.61 | 10.34% | 3.76% | 9.69% | 0.41% | |
65 Neutral | ₹47.61B | 33.38 | 1.11% | 21.24% | 36.98% | ||
46 Neutral | ₹62.33B | 44.89 | 1.82% | 13.47% | -115.98% | ||
| ― | ₹23.61B | 101.76 | 2.39% | ― | ― |
* Financial Sector Average
Performance Comparison
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
54.87
-28.01
-33.80%
IN:CARERATING
CARE Ratings Ltd
1,626.10
639.90
64.89%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
21.43
-28.84
-57.37%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.