analysis

Equitas Small Finance Bank Ltd.

NSE: EQUITASBNK

BSE: 543243

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

76.30-1.1 (-1.48%)

3 Jul, 3:30 PM

Overview Analysis

Statements Technicals Forecast Peers Resources News

Summary Recommendation

A summary recommendation on the stock based on our classification and scoring techniques along with analyst recommendations.

StyleBox^TMWhat is StyleBox?

Neutral

This stock could not be classified into any of the StyleBoxes and hence a neutral stance.

Detail >

QVM scoreWhat is QVM score?

46.0 / 100

The stock has moderate QVM score relative to other stocks in the market. Neutral.

Analyst ratingWhat is Analyst rating?

90.48 %

90.48% of analysts have buy or strong buy on this stock implying positive street outlook.

Detail >

Technical indicatorsSee all >

74 %

Equitas Small Finance Bank Ltd. on 1D timeframe is bullish for 17 out of 23 technical oscillators and moving averages.

Ratios and Statistics

A look at some key ratios and statistics for the stock. Change tabs to find the relevant ratios. Click on chart icon to view historical analysis of a particular ratio.

	2025 Jul 31	2025 Aug 31	2025 Sept 30	2025 Oct 31	2025 Nov 30	2025 Dec 31	2026 Jan 31	2026 Feb 28	2026 Mar 31	2026 Apr 30	2026 May 31	2026 Jun 30	2026 Jul 03
Multiples
P/E (TTM)	45.96	-	-	-	-	-	-	-	-	-	77.69	83.51	85.77
P/B (latest)	1.11	0.94	1.07	1.07	1.25	1.23	1.36	1.25	1.01	1.30	1.31	1.41	1.44
P/S (TTM)	1.62	1.36	1.54	1.54	1.75	1.71	1.87	1.72	1.38	1.78	1.79	1.93	1.98
CAPE (3Y)	13.72	14.70	16.72	16.66	20.15	19.79	23.36	21.44	17.24	22.29	22.90	24.61	25.28
CAPE (5Y)	15.69	15.24	17.33	17.27	20.30	19.93	22.43	20.59	16.55	21.40	21.58	23.20	23.82
P/E (1Y Forward)	9.69	8.22	15.69	14.50	14.57	14.28	14.31	12.10	8.99	11.60	10.64	10.90	11.06
P/S (1Y Forward)	1.37	1.16	1.33	1.31	1.44	1.42	1.56	1.42	1.13	1.46	1.46	1.54	1.57
Yields (%)
Book to Market	0.90	1.06	0.93	0.93	0.80	0.82	0.73	0.80	0.99	0.77	0.76	0.71	0.69
Earnings yield	2.18%	-1.79%	-1.57%	-1.58%	-1.25%	-1.27%	-0.84%	-0.92%	-1.14%	-0.88%	1.29%	1.20%	1.17%
Operating CF yield	28.66%	33.78%	29.69%	29.80%	22.05%	22.46%	20.18%	21.99%	27.35%	21.15%	-41.41%	-38.52%	-37.50%
FCFE yield	30.30%	35.71%	31.39%	31.51%	27.99%	28.50%	25.62%	27.91%	34.71%	26.84%	1.68%	1.56%	1.52%
FCFF yield	114.41%	164.58%	122.99%	123.98%	86.78%	89.43%	75.26%	86.35%	127.59%	81.04%	47.36%	44.09%	42.95%

Historical Performance

Performance with respect to benchmark. Prices are adjusted for splits, bonus and rights issue.

Show dividend adjusted performance

NIFTY50

NIFTYBANK

Add benchmark

Note: Prices are adjusted for splits, bonus and rights issue.

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Performance summary

	EQUITASBNK	NIFTY50	NIFTYBANK

Start Period	01 Jan 2021	01 Jan 2021	01 Jan 2021
End Period	03 Jul 2026	03 Jul 2026	03 Jul 2026
Cumulative Return	102.12%	73.13%	85.55%
CAGR	13.66%	10.5%	11.9%
Volatility (ann.)	37.23%	14.24%	18.25%
Max Drawdown	-56.11%	-17.23%	-20.91%
RoMaD	0.24%	0.61%	0.57%
Sharpe	0.43	0.51	0.5
Sortino	0.67	0.72	0.72
Sortino/√2	0.48	0.51	0.51

Style Analysis

Learn more about stock scores

Scores on value, momentum and quality parameters. Change tabs to compare across market, sector, industry.

Value score

58.9 / 100

–

Equitas Small Finance Bank Ltd. is reasonably valued relative to other stocks in the market

What is Value score?

Momentum score

87.3 / 100

↑

Equitas Small Finance Bank Ltd. has high momentum relative to other stocks in the market

What is Momentum score?

Quality score

3.2 / 100

↓

Equitas Small Finance Bank Ltd. has low quality relative to other stocks in the market

What is Quality score?

QVM score

46.0 / 100

–

Equitas Small Finance Bank Ltd. has moderate QVM score with respect to other stocks in the market

What is QVM score?

Scorecard

How to read Scorecard?

A comprehensive scorecard to compare Equitas Small Finance Bank Ltd. on all metrics with other stocks. Access both rank and scores.

	Value	Market (All Stocks in NSE)	Sector (Financial Services)	Industry Group (Banks)	Industry (Other Bank)
Size and Listing
Days since Listing	2,069.00
Enterprise value	8,948 Cr
Market Cap	8,841 Cr
Liquidity
Avg daily turnover 1M	45 Cr
Avg daily volume 1M	60,40,650
Avg daily turnover 3M	35 Cr
Avg daily volume 3M	49,06,000
Bid Ask Spread	1.89%
Delivery Percentage	56.46%
Volume surge ratio	1.27
Ownership
DII Holding %	48.48%
QoQ change DII holding %	0.43%
FII Holding %	14.74%
QoQ change FII holding %	0.12%
QoQ change Gov holding %	0.00%
QoQ change Promoter holding %	0.00%
Retail Holding %	31.92%
QoQ change Retail holding %	-0.95%

Checklist

What is Checklist?

Analyse how the stock fares on some investment checklists created by legendary investors and gurus. Also, build your own custom checklist.

O'Shaughnessy Tiny Titans

Benjamin Graham's Value

Piotroski F-Score

Dreman contrarian value

Peter Lynch Growth/Value

O'Shaugnessy Value

Templeton Growth/Value

Warren Buffet’s Consistent Compounders

John Neff’s contrarian value

Richard Driehaus Momentum Strategy

O'Shaughnessy Tiny Titans

Created by the famous investor James O'Shaugnessy, this screen/checklist aims to find out small-cap stocks with significant growth potential. We look for companies with market capitalization between Rs 500 cr and Rs 1500 cr that are reasonable valued and are in the top 25 percentile momentum as measured by Momentum score.

60.0 / 100

Equitas Small Finance Bank Ltd. passes 3 out of 5 of this checklist's rules

Hits

Market Cap is greater than ₹500 crore

One Year Rel Return is greater than 0%

Stock is in top 25.0 percentile, sorted by Price Momentum score in descending order

Misses

Market Cap is less than ₹1500 crore

PS TTM is less than 1

Frequently Asked Questions

What is the PB ratio of Equitas Small Finance Bank Ltd.?

The Price-to-Book (PB) ratio of Equitas Small Finance Bank Ltd. is 1.44. It compares the stock's market price to its book value per share.

What is the EV/EBITDA of Equitas Small Finance Bank Ltd.?

The EV/EBITDA of Equitas Small Finance Bank Ltd. is 30.37. This ratio is used to assess the overall value of a company relative to its earnings before interest, taxes, depreciation and amortisation.

What is the debt-to-equity ratio of Equitas Small Finance Bank Ltd.?

The debt-to-equity (D/E) ratio of Equitas Small Finance Bank Ltd. is 0.94. A lower D/E ratio generally indicates a more financially stable company with less leverage.

What is the promoter holding in Equitas Small Finance Bank Ltd.?

Promoters hold - of Equitas Small Finance Bank Ltd. shares as per the latest quarterly shareholding disclosure.

What is the operating profit margin of Equitas Small Finance Bank Ltd.?

The operating profit margin of Equitas Small Finance Bank Ltd. is 2.87%, reflecting how much profit the company earns from its core operations relative to revenue.

What is the net profit margin of Equitas Small Finance Bank Ltd.?

The net profit margin of Equitas Small Finance Bank Ltd. is 2.31%, indicating the percentage of revenue that remains as profit after all expenses.

What is the Sharpely score for Equitas Small Finance Bank Ltd.?

On Sharpely's proprietary scoring system, Equitas Small Finance Bank Ltd. has a Quality Score of 3.2/100, Value Score of 58.6/100 and Price Momentum Score of 87/100, with an overall QVM Score of 46/100. The quality rating is low, value is moderate and price momentum is high. Visit the Scorecard and Checklist sections on the Analysis tab for a full breakdown.