StoxEquitas Small Finance Bank Limited
NSE: EQUITASBNK · Financial Services
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Instant answers about Equitas Small Finance Bank Limited — computed from its filings, no language modelPrice & valuation
split & bonus adjusted · pick a metric and rangeAnnual performance
annual · ₹ crore · line = operating margin| FY21 | FY22 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|
| Total income | 3,612 | 3,997 | 6,285 | 7,223 | 7,868 |
| Pre-provision op. profit | 887 | 872 | 1,377 | 1,334 | 1,265 |
| Operating margin | 24.5% | 21.8% | 21.9% | 18.5% | 16.1% |
| Interest | 1,396 | 1,421 | 2,407 | 3,060 | 3,403 |
| Profit before tax | 511 | 378 | 1,063 | 199 | 128 |
| Tax | 127 | 97 | 264 | 52 | 25 |
| Net profit | 384 | 281 | 799 | 147 | 103 |
| EPS ₹ | 3.53 | 2.43 | 7.12 | 1.29 | 0.90 |
| Operating cash flow | — | 159 | 4,298 | 1,937 | -3,316 |
| Capex | — | 93 | 364 | 245 | 193 |
| Dividend paid | — | 0 | 112 | 114 | 0 |
| Total assets | — | — | 45,304 | 52,836 | 60,610 |
| Equity | — | — | 5,969 | 6,073 | 6,125 |
Quarterly performance
last 20 quarters · ₹ crore| SEP '20 | DEC '20 | MAR '21 | JUN '21† | SEP '21† | MAR '22 | SEP '22 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 861 | 1,004 | 997 | 923 | 991 | 1,044 | 1,147 | 1,540 | 1,634 | 1,685 | 1,710 | 1,794 | 1,850 | 1,869 | 1,941 | 1,846 | 1,981 | 2,100 | 2,216 | 2,358 |
| Pre-provision op. profit | 220 | 275 | 250 | 164 | 195 | 284 | 242 | 330 | 360 | 375 | 340 | 350 | 333 | 311 | 315 | 241 | 307 | 402 | 405 | 402 |
| Operating margin | 25.5% | 27.4% | 25.1% | 17.8% | 19.6% | 27.2% | 21.1% | 21.4% | 22.0% | 22.2% | 19.9% | 19.5% | 18.0% | 16.7% | 16.2% | 13.0% | 15.5% | 19.2% | 18.3% | 17.1% |
| Other income | 64 | 146 | 178 | 104 | 148 | 148 | 145 | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 | 229 | 289 | 263 | 255 | 292 |
| Interest | 336 | 373 | 370 | 358 | 360 | 343 | 393 | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 | 844 | 840 | 856 | 931 | 1,040 |
| Profit before tax | 136 | 149 | 153 | 14 | 57 | 161 | 152 | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 | 114 | 278 | 244 | 287 |
| Tax | 33 | 38 | 40 | 2 | 16 | 41 | 36 | 69 | 74 | 61 | 10 | 7 | 23 | 11 | -74 | 9 | 24 | 66 | 60 | 69 |
| Net profit | 103 | 111 | 113 | 12 | 41 | 120 | 116 | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 | 90 | 213 | 184 | 218 |
| EPS ₹ | 0.98 | 0.99 | 0.99 | 0.10 | 0.36 | 1.00 | 0.93 | 1.77 | 1.79 | 1.83 | 0.23 | 0.11 | 0.58 | 0.37 | -1.96 | 0.21 | 0.79 | 1.86 | 1.61 | 1.91 |
| Revenue YoY | — | — | — | — | 15.1% | 4.7% | 15.7% | 34.2% | — | — | — | 16.5% | 13.2% | 10.9% | 13.5% | 2.9% | 7.1% | 12.3% | 14.2% | 27.7% |
| Profit YoY | — | — | — | — | -60.0% | 5.9% | 182.6% | 70.2% | — | — | — | -93.5% | -67.2% | -79.7% | -968.6% | 87.4% | 35.8% | 405.1% | — | 803.2% |
Returns & margins
trailing-twelve-month, per quarter| JUN '21 | SEP '21 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | 10.6% | 7.5% | 5.3% | 2.4% | -1.7% | -1.6% | -1.2% | 1.7% | 8.3% | 10.7% |
| Net margin | 8.9% | 7.1% | 9.6% | 6.6% | 4.4% | 2.0% | -1.4% | -1.2% | -0.9% | 1.3% | 6.3% | 8.1% |
| EBITDA margin | 24.0% | 22.6% | 21.4% | 20.9% | 19.9% | 18.5% | 17.6% | 16.0% | 15.4% | 16.1% | 16.6% | 17.5% |
| Asset turnover | — | — | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.13 |
Balance sheet
equity vs borrowings over time · ₹ crore| SEP '22 | SEP '23 | MAR '24 | SEP '24 | MAR '25 | SEP '25 | MAR '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|
| Share capital | 1,254 | 1,122 | 1,135 | 1,138 | 1,140 | 1,140 | 1,141 | 1,144 |
| Reserves | 3,213 | 4,357 | 4,834 | 4,809 | 4,933 | 4,718 | 4,984 | 5,409 |
| Total equity | 4,467 | 5,479 | 5,969 | 5,947 | 6,073 | 5,858 | 6,125 | 6,553 |
| Deposits | 21,726 | 30,839 | 36,129 | 39,859 | 43,107 | 44,094 | 46,533 | 52,483 |
| Borrowings | 2,339 | 2,481 | 1,788 | 1,085 | 2,137 | 3,452 | 5,773 | 6,886 |
| Total assets | 29,924 | 40,129 | 45,304 | 48,634 | 52,836 | 55,431 | 60,610 | 68,446 |
| Advances | 21,840 | 28,768 | 30,964 | 33,962 | 36,209 | 36,352 | 42,751 | 46,751 |
| Investments | 5,746 | 8,551 | 9,065 | 9,987 | 9,289 | 10,598 | 10,149 | 12,246 |
| Fixed assets | 221 | 560 | 605 | 622 | 696 | 709 | 715 | 975 |
| Cash & bank balances | 1,264 | 1,323 | 3,579 | 2,593 | 5,536 | 6,340 | 5,666 | 6,967 |
Cash flow
annual · ₹ crore · line = free cash flow| FY22 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|
| Cash from operations | 159 | 4,298 | 1,937 | -3,316 |
| Cash from investing | -89 | -422 | -239 | -185 |
| Cash from financing | -1,317 | -1,612 | 259 | 3,641 |
| Capex | 93 | 364 | 245 | 193 |
| Free cash flow | 67 | 3,934 | 1,692 | -3,509 |
| Dividends paid | 0 | 112 | 114 | 0 |
Where the assets sit
Sep '26 · ₹ crorePeer comparison
largest in Financial Services · this company in bold| Company | Market cap ₹cr | Price | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | 12,15,371 | 788.25 | 15.2 | 2.01 | 13.3% |
| ICICI Bank Ltd. | 11,28,090 | 1,571.20 | 19.1 | 2.75 | 14.4% |
| State Bank of India | 9,40,157 | 1,018.50 | 10.4 | 1.36 | 13.1% |
| Bajaj Finance Ltd. | 6,77,005 | 1,087.75 | — | — | — |
| Kotak Mahindra Bank Ltd. | 4,77,499 | 480.00 | 22.2 | 2.45 | 11.0% |
| Axis Bank Ltd. | 4,11,911 | 1,322.90 | 13.8 | 1.79 | 13.0% |
| Shriram Finance Ltd. | 2,26,163 | 961.15 | — | — | — |
| BSE Ltd. | 1,55,002 | 3,800.00 | 50.3 | 19.49 | 38.8% |
| Cholamandalam Investment and Finance Company Ltd. | 1,53,126 | 1,785.00 | — | — | — |
| Jio Financial Services Ltd. | 1,52,665 | 231.20 | — | — | — |
| Equitas Small Finance Bank Limited | 6,257 | 54.69 | 8.9 | 0.95 | 10.7% |
StoxGud checklist: Bearish setup · 2/10
- Price above 50-day average
- Price above 200-day average
- 50-day average above 200-day (uptrend)
- RSI in healthy 40–70 zone
- Positive 1-year return
- Return on equity above 15%
- Debt to equity below 1
- Revenue growing year on year
- Net profit margin above 10%
- P/E below industry median
A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.
Returns & technicals
FAQs
What is the share price of Equitas Small Finance Bank Limited?
Equitas Small Finance Bank Limited (EQUITASBNK) closed at ₹54.69 on NSE on 06 Nov 2026.
What is the market cap of Equitas Small Finance Bank Limited?
₹6,257 crore at the latest close.
What is the P/E ratio of Equitas Small Finance Bank Limited?
8.9, on trailing-twelve-month earnings from its filings.
How fast is Equitas Small Finance Bank Limited growing?
Equitas Small Finance Bank Limited: revenue has compounded at 25.3% a year over three years; net profit at -28.4% a year. Latest-quarter revenue is up 27.7% year on year, profit up 803.2%.
How profitable is Equitas Small Finance Bank Limited?
On a trailing-twelve-month basis return on equity is 10.7%, operating margin 17.5%, net margin 8.1%.
How much debt does Equitas Small Finance Bank Limited have?
Debt to equity isn't meaningful for Equitas Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.
Financials parsed from Equitas Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from SEP '20, annual from FY21, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.