Equitas Sma. Fin

Why is Equitas Small Finance Bank Ltd falling/rising?

As of 07-Aug, Equitas Small Finance Bank Ltd's stock price is 75.17, down 1.17%. Despite strong long-term performance and positive fundamentals, recent declines are due to decreased investor participation and short-term market fluctuations.

As of 07-Aug, Equitas Small Finance Bank Ltd's stock price is currently at 75.17, reflecting a decrease of 0.89 or 1.17%. The stock's performance today is inline with the sector, but it has shown a decline in investor participation, with delivery volume falling by 58.37% compared to the 5-day average. <BR><BR>Over the past week, the stock has decreased by 0.04%, while the benchmark Sensex has increased by 0.52%. In the last month, the stock has fallen by 5.06%, contrasting with a slight gain of 0.41% in the Sensex. Despite these short-term declines, the stock has performed well year-to-date, with a return of 19.39%, significantly outperforming the Sensex, which has dropped by 7.89%. <BR><BR>The stock has also shown strong performance over the past year, generating a return of 31.95%, compared to a mere 2.63% decline in the benchmark. However, the 3-year performance indicates a decline of 12.70%, while the benchmark has gained 19.02%, suggesting that the stock has struggled in the longer term.<BR><BR>Positive factors supporting the stock include strong lending practices, a low Gross NPA ratio of 2.42%, and a high Capital Adequacy Ratio of 20.81%. The company has reported very positive results in recent quarters, with a significant growth in profit after tax and net interest income. Additionally, high institutional holdings at 66.96% indicate confidence from larger investors.<BR><BR>In summary, while Equitas Small Finance Bank Ltd has shown strong long-term performance and positive fundamentals, the recent decline in stock price can be attributed to decreased investor participation and short-term market fluctuations.

Which are the latest news on Equitas Sma. Fin?

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

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

Equitas Small Finance Bank Ltd's latest results show a net profit of ₹183.61 crores, a turnaround from last year's loss, but a 13.67% decline from the previous quarter raises concerns about sustainability. While asset quality has improved, the decrease in net interest margin and low return on equity suggest caution for investors.

Equitas Small Finance Bank Ltd's latest results present a mixed picture. On one hand, the bank reported a net profit of ₹183.61 crores for Q1 FY27, which is a significant turnaround from a loss in the same quarter last year. Additionally, net interest income (NII) surged by 31.03% year-on-year to ₹1,029.59 crores, indicating strong growth in its core lending operations.<BR><BR>However, there are several concerns. The net profit decreased by 13.67% quarter-on-quarter from ₹212.68 crores in Q4 FY26, which raises questions about the sustainability of its profitability. The net interest margin (NIM) also contracted to 7.07%, down from 7.29% in the previous quarter, reflecting increasing competitive pressures and rising funding costs. Furthermore, the bank's return on equity (ROE) remains low at 1.68%, which is below the expected range for well-performing banks.<BR><BR>On the positive side, the bank achieved its best gross non-performing asset (NPA) ratio in seven quarters at 2.42%, indicating improved asset quality. The net NPA ratio also decreased to 0.71%, showcasing effective credit risk management.<BR><BR>Overall, while Equitas Small Finance Bank has shown resilience and improvement in certain areas, the decline in net profit and margins, coupled with low ROE, suggests that investors should approach with caution. The stock's high valuation relative to its earnings further complicates the outlook, making it a challenging investment at this time.

What does Equitas Sma. Fin do?

Equitas Small Finance Bank Ltd provides financial services primarily to underserved market segments and reported net sales of ₹1,836.35 Cr and a net profit of ₹213 Cr for March 2026, with a market cap of ₹8,533 Cr. The company has a history dating back to 1993 and has undergone several name changes and structural shifts.

Overview:<BR>Equitas Small Finance Bank Ltd operates in the banking sector as a small-cap company, providing financial services primarily to underserved segments of the market.<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 most recent quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,836.35 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 213 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 8,533 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Registrar Address: Not available.

How big is Equitas Sma. Fin?

As of 10th June, Equitas Small Finance Bank Ltd has a market capitalization of 8,533.00 Cr and total assets of 52,859.35 Cr, with a net profit of 103.09 Cr over the latest four quarters. There is no valid net sales data available.

As of 10th June, <BR><BR>Market Cap: Equitas Small Finance Bank Ltd has a market capitalization of 8,533.00 Cr and is classified as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 0 quarters is 0.00 Cr, indicating no valid Net Sales data found for summing. The sum of Net Profit for the latest 4 quarters is 103.09 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds stand at 6,072.52 Cr, while Total Assets amount to 52,859.35 Cr.

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

The management team of Equitas Sma. Fin includes Chairman Arun Ramanathan, Managing Director & CEO Pathangi Narasimhan Vasudevan, and several Independent Non-Executive Directors, bringing diverse expertise to the company. Other key members are Whole-Time Directors Rohit Phadke and Murali Vaidyanathan, along with the Company Secretary.

The management team of Equitas Sma. Fin includes the following members:<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 brings a diverse range of expertise and leadership to the company.

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, Suryoday Small, ESAF Small Fin, and Capital Small. AU Small Finance leads in management quality and growth, while Equitas Sma. Fin shows average growth and a 1-year return of 6.26%.

Peers: The peers of Equitas Sma. Fin are AU Small Finance, Ujjivan Small, Jana Small Finan, Utkarsh Small F., Suryoday Small, ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Suryoday Small, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and the rest. Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. Growth is Excellent for AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and Capital Small, while Average growth is noted for Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is seen at Utkarsh Small F. and the rest. Capital Structure is Excellent for AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, Below Average for Jana Small Finan, ESAF Small Fin, and Capital Small, and Average for Utkarsh Small F.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while the lowest is Utkarsh Small F. at -50.02%. Equitas Sma. Fin's 1-year return of 6.26% is higher than that of Utkarsh Small F. but lower than AU Small Finance. Additionally, Utkarsh Small F., ESAF Small Fin, and Jana Small Finan have negative six-month returns.

When is the next results date for Equitas Small Finance Bank Ltd?

The next results date for Equitas Small Finance Bank Ltd is April 30, 2026.

The next results date for Equitas Small Finance Bank Ltd is scheduled for April 30, 2026.

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.

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 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.

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.

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.