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Equitas Sma. Fin

  • Market Cap: Small Cap
  • Industry: Other Bank
  • ISIN: INE063P01018
  • NSEID: EQUITASBNK
  • BSEID: 543243
INR
60.77
-1.51 (-2.42%)
BSENSE

Dec 05

BSE+NSE Vol: 38.93 lacs

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
AU Small Finance
Ujjivan Small
Capital Small
Suryoday Small
Equitas Sma. Fin
Jana Small Finan
ESAF Small Fin
Utkarsh Small F.
Why is Equitas Small Finance Bank Ltd ?
1
The company has declared Negative results for the last 6 consecutive quarters
  • CREDIT DEPOSIT RATIO(HY) Lowest at 82.44%
  • PBDIT(Q) Lowest at Rs 11.61 cr.
  • OPERATING PROFIT TO NET SALES(Q) Lowest at 0.72%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Equitas Sma. Fin for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
Equitas Sma. Fin
-5.49%
-0.16
34.02%
Sensex
4.83%
0.41
11.83%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Net Interest Income Growth (5y)
16.94%
Net Profit Growth (5y)
-178.93%
Advance to Deposit
92.05%
Capital Adequacy Ratio (Tier 1)
20.81%
Gross NPA (latest)
2.92%
Gross NPA (avg)
3.37%
Coverage Ratio (avg)
58.59%
Cost to Income (avg)
65.63%
Net Interest Margin (avg)
8.45%
Operating Profit to Assets (avg)
10.42%
ROA (avg)
1.03%
Net Debt to Equity (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.18
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-1.56%
ROA (Latest)
-0.16%
Net NPA to Book Value
6.11
Loading Valuation Snapshot...
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
PAT(Q)

At Rs 24.14 cr has Grown at 194.2% (vs previous 4Q average

DPS(Y)

Highest at Rs 1.00

DPR(Y)

Highest at 77.52%

-11What is not working for the Company
CREDIT DEPOSIT RATIO(HY)

Lowest at 82.44%

PBDIT(Q)

Lowest at Rs 11.61 cr.

OPERATING PROFIT TO NET SALES(Q)

Lowest at 0.72%

NII(Q)

Lowest at Rs 773.68 cr

NON-OPERATING INCOME(Q)

is 682.62 % of Profit Before Tax (PBT

NET NPA(Q)

Highest at 0.98%

Loading Valuation Snapshot...
Here's what is working for Equitas Sma. Fin
Profit After Tax (PAT) - Quarterly
At Rs 24.14 cr has Grown at 194.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -25.62 Cr
MOJO Watch
Near term PAT trend is very positive

PAT (Rs Cr)

Dividend per Share (DPS) - Annually
Highest at Rs 1.00
in the last five years
MOJO Watch
Company is distributing higher dividend from profits generated

DPS (Rs)

Dividend Payout Ratio (DPR) - Annually
Highest at 77.52%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Equitas Sma. Fin
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 11.61 cr. and Fallen
each quarter in the last five quarters
MOJO Watch
Near term Operating Profit trend is quite negative

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly
Lowest at 0.72% and Fallen
each quarter in the last five quarters
MOJO Watch
Company's efficiency has deteriorated

Operating Profit to Sales

Net Interest Income (Quarterly)
Lowest at Rs 773.68 cr
in the last five quarters
MOJO Watch
The bank's income from core business is falling

Net Interest Income (Rs Cr)

Credit Deposit Ratio - Half Yearly
Lowest at 82.44% and Fallen
in the last four periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Non Operating Income - Quarterly
is 682.62 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model

Non Operating Income to PBT

Net NPA - Quarterly
Highest at 0.98%
in the last five quarters
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Net NPA (%)

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