Equitas Sma. Fin

What does Equitas Sma. Fin do?

Equitas Small Finance Bank Ltd is a mid-cap banking institution focused on providing small finance services. As of March 2025, it reported net sales of ₹1,643.97 crore and a net profit of ₹42 crore, with a market capitalization of ₹7,636 crore.

Overview:<BR>Equitas Small Finance Bank Ltd operates in the banking sector as a mid-cap company, providing financial services primarily focused on small finance.<BR><BR>History:<BR>Equitas Small Finance Bank Ltd was originally incorporated as V.A.P. Finance Private Limited in 1993. It became a deemed public limited company in 1994 and changed its name to V.A.P. Finance Limited. The company reverted to a private limited status in 2011. The latest quarterly results reported sales and profit for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,643.97 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 42 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: Rs 7,636 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 1.54%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Details: No Company Details Available<BR>Registrar Address: Not available.

When is the next results date for Equitas Sma. Fin?

No Upcoming Board Meetings

Has Equitas Sma. Fin declared dividend?

Equitas Small Finance Bank Ltd has declared a 10% dividend, with an ex-date of August 9, 2024, resulting in a dividend yield of 1.54%. Total returns have varied across periods, with a recent 6-month return of 4.56% and a 1-year return of -29.39%.

Equitas Small Finance Bank Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Ex-date: 09 Aug 2024<BR><BR>Dividend Yield: 1.54%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 4.56%, with a dividend return of 0%, resulting in a total return of 4.56%.<BR><BR>For the 1-year period, the price return was -30.41%, the dividend return was 1.02%, leading to a total return of -29.39%.<BR><BR>Over the 2-year period, the price return was -23.86%, the dividend return was 2.27%, resulting in a total return of -21.59%.<BR><BR>In the 3-year period, the price return was 63.98%, with a dividend return of 5.27%, culminating in a total return of 69.25%.<BR><BR>For the 4-year period, the price return was 10.12%, the dividend return was 3.32%, leading to a total return of 13.44%.<BR><BR>In the 5-year period, the price return was 0%, with a dividend return of 0%, resulting in a total return of 0.0%.<BR><BR>Overall, Equitas Small Finance Bank Ltd has declared a dividend, and while the recent total returns show a mix of performance across different periods, the dividend yield indicates a modest return for investors.

Who are the peers of the Equitas Sma. Fin?

Equitas Sma. Fin's peers include AU Small Finance, Ujjivan Small, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, Suryoday Small, and Capital Small. In terms of management risk, growth, and capital structure, AU Small Finance and Jana Small Finan lead, while Equitas Sma. Fin shows average growth and management risk, with a 1-year return of -30.62%.

Peers: The peers of Equitas Sma. Fin are AU Small Finance, Ujjivan Small, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, Suryoday Small, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Jana Small Finan, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., and Capital Small. Average management risk is noted at ESAF Small Fin and Suryoday Small, while the rest have Below Average management risk. In terms of Growth, Excellent growth is seen at AU Small Finance, Ujjivan Small, Jana Small Finan, and Suryoday Small, while Average growth is found at Equitas Sma. Fin and Utkarsh Small F. The rest have Below Average growth. For Capital Structure, Excellent capital structure is observed at AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Utkarsh Small F., while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small, with the rest having Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.57%, while Utkarsh Small F. has the lowest at -54.04%. Equitas Sma. Fin's 1-year return of -30.62% is better than Utkarsh Small F.'s but worse than all other peers. Additionally, Utkarsh Small F. and ESAF Small Fin have negative six-month returns.

Who are in the management team of Equitas Sma. Fin?

As of March 2022, the management team of Equitas Sma. Fin includes Chairman Arun Ramanathan, Managing Director & CEO Pathangi Narasimhan Vasudevan, and several Independent Non-Executive Directors, totaling 13 key members responsible for the company's strategic direction and governance.

As of March 2022, the management team of Equitas Sma. Fin consists of the following individuals:<BR><BR>1. Arun Ramanathan - Chairman & Independent Director<BR>2. Arun Kumar Verma - Independent Non-Executive Director<BR>3. Narayanaswamy Balakrishnan - Independent Non-Executive Director<BR>4. Geeta Dutta Goel - Independent Non-Executive Director<BR>5. Navin Puri - Independent Non-Executive Director<BR>6. S A Ramesh Rangan - Independent Non-Executive Director<BR>7. Samir Kumar Barua - Independent Non-Executive Director<BR>8. Narasimhan Srinivasan - Independent Non-Executive Director<BR>9. Vinod Kumar Sharma - Independent Non-Executive Director<BR>10. Pathangi Narasimhan Vasudevan - Managing Director & CEO<BR>11. Rohit Phadke - Whole-Time Director & Executive Director<BR>12. Murali Vaidyanathan - Whole-Time Director & Executive Director<BR>13. Ramanathan - Company Secretary & Compliance Officer<BR><BR>This team is responsible for the strategic direction and governance of the company.

Who are the top shareholders of the Equitas Sma. Fin?

The top shareholders of Equitas Sma. Fin include mutual funds (37.55%), Foreign Institutional Investors (16.47%), and individual investors (32.03%), with HDFC Mutual Fund being the largest public shareholder at 8.59%. There are no pledged promoter holdings, and no single promoter has the highest stake.

The top shareholders of Equitas Sma. Fin include a mix of institutional and individual investors. The largest portion of shares is held by mutual funds, which account for 37.55% of the total holdings, distributed across 21 schemes. Foreign Institutional Investors (FIIs) hold 16.47% of the shares, represented by 130 different FIIs. Among public shareholders, HDFC Mutual Fund is the largest, with a holding of 8.59%. Additionally, individual investors collectively own 32.03% of the company. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

How big is Equitas Sma. Fin?

As of 24th July, Equitas Small Finance Bank Ltd has a market capitalization of 7,117.00 Cr and total assets valued at 45,318.80 Cr, with shareholder's funds amounting to 5,968.70 Cr.

As of 24th July, <BR><BR>Market Cap: Equitas Small Finance Bank Ltd has a market capitalization of 7,117.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, with a net profit of 147.05 Cr for the latest four quarters ending in March 2025, December 2024, September 2024, and June 2024.<BR><BR>Balance Sheet Snapshot: The latest reporting period is March 2024, with shareholder's funds amounting to 5,968.70 Cr and total assets valued at 45,318.80 Cr.

Is Equitas Sma. Fin technically bullish or bearish?

As of 20 October 2025, the trend for Equitas Sma. Fin. is mildly bearish, with mixed signals from MACD and Bollinger Bands indicating caution despite some mild bullishness on the weekly chart.

As of 20 October 2025, the technical trend has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by the weekly MACD indicating mild bullishness while the monthly MACD remains bearish. The Bollinger Bands and moving averages on the weekly and daily time frames are also signaling mildly bearish conditions. The Dow Theory shows a mixed picture with weekly mildly bullish but monthly mildly bearish signals. Overall, the lack of strong bullish indicators and the presence of bearish signals suggest a cautious outlook for Equitas Sma. Fin.

How has been the historical performance of Equitas Sma. Fin?

Equitas Sma. Fin has shown significant growth in interest earned and total income from Mar'20 to Mar'25, with total assets increasing substantially. However, recent profitability metrics indicate fluctuations, suggesting a need for strategic adjustments.

Answer:<BR>The historical performance of Equitas Sma. Fin shows a significant growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>Equitas Sma. Fin has demonstrated a consistent increase in interest earned, rising from 2,645.44 Cr in Mar'20 to 6,311.73 Cr in Mar'25. This growth is primarily driven by interest on advances, which surged from 2,420.01 Cr in Mar'20 to 5,563.32 Cr in Mar'25. Total income also reflects this upward trend, climbing from 2,927.80 Cr in Mar'20 to 7,223.21 Cr in Mar'25. However, interest expended has also increased, reaching 3,060.11 Cr in Mar'25, resulting in a net interest income of 3,251.62 Cr. The profit before tax saw fluctuations, peaking at 1,063.12 Cr in Mar'24 before dropping to 198.85 Cr in Mar'25, leading to a profit after tax of 147.05 Cr in the same year. The company's total assets grew significantly from 19,298.25 Cr in Mar'20 to 52,859.35 Cr in Mar'25, while total liabilities increased from 19,298.25 Cr to 52,859.35 Cr during the same period. Cash and cash equivalents also improved, with a closing balance of 5,465.00 Cr in Mar'25, up from 2,531.00 Cr in Mar'20. Overall, while Equitas Sma. Fin has shown robust growth in income and assets, recent profitability metrics indicate a need for strategic adjustments.

Is Equitas Sma. Fin overvalued or undervalued?

As of November 17, 2025, Equitas Sma. Fin is considered overvalued with a PE ratio of -80.92 and negative profitability metrics, indicating a shift from fair to expensive valuation compared to peers like HDFC Bank and ICICI Bank.

As of 17 November 2025, the valuation grade for Equitas Sma. Fin has moved from fair to expensive, indicating a shift in perception regarding its market value. The company is currently deemed overvalued, with a PE ratio of -80.92, a price-to-book value of 1.26, and a PEG ratio of 0.00. These figures suggest significant concerns about profitability and growth potential, particularly given the negative return on equity (ROE) of -1.56% and return on assets (ROA) of -0.16%.<BR><BR>In comparison to peers, Equitas Sma. Fin's valuation metrics stand out unfavorably. For instance, HDFC Bank has a PE ratio of 21.54, while ICICI Bank's is 19.87, both indicating a much more favorable valuation relative to earnings. Additionally, the net NPA to book value ratio of 6.11 raises further red flags about asset quality. The recent stock performance shows that while Equitas Sma. Fin has outperformed the Sensex over the past week and month, its longer-term returns lag behind, reinforcing the notion that the stock may be overvalued in the current market context.

Are Equitas Small Finance Bank Ltd latest results good or bad?

Equitas Small Finance Bank Ltd's latest Q3 FY26 results show a significant recovery with a net profit of ₹90.03 crores, up from previous losses, and improved asset quality, though concerns about margin compression and negative return on equity persist. Overall, the results are positive, but investors should watch for future profitability challenges.

Equitas Small Finance Bank Ltd's latest results for Q3 FY26 indicate a significant recovery, marking a positive turnaround compared to previous quarters. The bank reported a net profit of ₹90.03 crores, a substantial improvement from a loss of ₹223.76 crores in Q1 FY26 and an increase from ₹24.14 crores in Q2 FY26. This recovery is particularly noteworthy as it reflects a dramatic normalization of credit costs after an exceptional provisioning exercise in the previous quarter.<BR><BR>Additionally, the bank achieved its highest-ever net interest income of ₹851.63 crores, despite a slight decline in net interest margin (NIM) to 6.29%, down 26 basis points from the previous quarter. The gross non-performing assets (NPA) also improved to 2.75%, the lowest level in recent quarters, showcasing effective credit risk management.<BR><BR>While the results are encouraging, there are concerns regarding the ongoing margin compression and negative return on equity (ROE) of -1.56%. The bank's valuation is currently considered "very expensive," reflecting the market's cautious outlook on its profitability trajectory.<BR><BR>Overall, the latest results can be viewed as good in the context of recovery and improved asset quality, but challenges remain that could affect long-term profitability. Investors should monitor the bank's ability to stabilize margins and maintain profitability in the coming quarters.

Should I buy, sell or hold Equitas Small Finance Bank Ltd?

Why is Equitas Small Finance Bank Ltd falling/rising?

As of 05-Mar, Equitas Small Finance Bank Ltd's stock price is at 57.63, down -0.77% and has declined -12.67% over the past week. The stock is trading below all major moving averages and has underperformed against the Sensex, primarily due to a significant drop in profits despite some positive lending metrics.

As of 05-Mar, Equitas Small Finance Bank Ltd's stock price is falling, currently at 57.63, reflecting a change of -0.45 (-0.77%). The stock has been on a downward trend, having underperformed its sector by -1.25% today and experiencing consecutive losses for the last four days, resulting in a significant decline of -12.67% over the past week. <BR><BR>The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish sentiment among investors. Additionally, while there has been a notable increase in delivery volume by 212.27% against the 5-day average, this does not seem to be enough to counteract the overall negative performance.<BR><BR>In terms of broader performance metrics, the stock has also underperformed against the benchmark Sensex, with a -12.70% return over the past month compared to a -3.96% decline in the index. Year-to-date, the stock is down -8.47%, while the Sensex has only fallen -6.11%. <BR><BR>Despite some positive factors, such as strong lending practices and a low Gross NPA ratio of 2.75%, the stock's recent performance has been overshadowed by a significant drop in profits, which have fallen by -121.6% over the past year. This decline in profitability, coupled with the stock's current trading position and recent performance trends, contributes to the ongoing decrease in its price.

Why is Equitas Small Finance Bank Ltd falling/rising?

As of 06-Mar, Equitas Small Finance Bank Ltd's stock price is rising to Rs 59.79, reflecting a 3.75% increase after a trend reversal. Despite recent declines, strong fundamentals and high institutional holdings indicate potential for continued investor confidence.

As of 06-Mar, Equitas Small Finance Bank Ltd's stock price is rising, currently at Rs 59.79, reflecting a change of Rs 2.16 or 3.75% increase. This upward movement follows a trend reversal after four consecutive days of decline, indicating a potential recovery in investor sentiment. The stock has outperformed its sector by 6.19% today, which suggests that it is gaining traction compared to its peers.<BR><BR>Today's trading also saw the stock reach an intraday high of Rs 61.04, marking a 5.92% increase at its peak. Additionally, there has been a notable rise in investor participation, with delivery volume increasing by 8.34% compared to the five-day average, indicating growing interest among investors.<BR><BR>Despite the recent positive performance, it is important to note that the stock has been under pressure over the past week and month, with declines of 6.93% and 8.00%, respectively. However, the company has demonstrated strong fundamentals, such as a low Gross NPA ratio of 2.75% and a high Capital Adequacy Ratio of 20.81%, which may contribute to investor confidence. Furthermore, institutional holdings remain high at 64.58%, suggesting that knowledgeable investors are maintaining their stakes, which could support the stock's upward movement.

Which are the latest news on Equitas Sma. Fin?