ScoreWhy is Equitas Small Finance Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 2.60%
2
The Bank has a high Capital Adequacy Ratio of 20.81% signifying high buffers against its risk based assets
3
With a growth in Interest of 6.76%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 3 consecutive quarters
- PAT(Q) At Rs 183.61 cr has Grown at 612.4% (vs previous 4Q average)
- GROSS NPA(Q) Lowest at 2.42%
- NII(Q) Highest at Rs 1,029.59 cr
4
High Institutional Holdings at 66.96%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.35% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 24.95% in the last 1 year, much higher than market (BSE500) returns of 0.80%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Equitas Sma. Fin should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Equitas Sma. Fin for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Equitas Sma. Fin
24.95%
0.71
35.25%
Sensex
-5.1%
-0.38
13.56%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.13%
Net Profit Growth (5y)
-23.14%
Advance to Deposit
93.12%
Capital Adequacy Ratio (Tier 1)
20.81%
Gross NPA (latest)
2.60%
Gross NPA (avg)
3.02%
Coverage Ratio (avg)
59.11%
Cost to Income (avg)
66.73%
Net Interest Margin (avg)
8.29%
Operating Profit to Assets (avg)
14.25%
ROA (avg)
1.12%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
83
Price to Book Value
1.39
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
1.68%
ROA (Latest)
0.19%
Net NPA to Book Value
5.00
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
PAT(Q)
At Rs 183.61 cr has Grown at 612.4% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 2.42%
NII(Q)
Highest at Rs 1,029.59 cr
INTEREST EARNED(Q)
Highest at Rs 1,960.40 cr
PBDIT(Q)
Highest at Rs 149.63 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.63%
NET NPA(Q)
Lowest at 0.71%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 104.52 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Equitas Sma. Fin
Profit After Tax (PAT) - Quarterly
At Rs 183.61 cr has Grown at 612.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 25.77 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,029.59 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,960.40 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 149.63 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.63%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Net NPA - Quarterly
Lowest at 0.71%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Equitas Sma. Fin
Non Operating Income - Quarterly
is 104.52 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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