EQUITASBNK
Equitas Small Finance Bank Limited (EQUITASBNK) Stock Analysis
Equitas Small Finance Bank Limited is an Indian small finance bank serving underbanked retail and MSME customers. It offers savings, credit, and payment products through a branch and digital network. The bank focuses on financial inclusion in semi-urban and rural markets. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹68.30
+2.77% 1W | +21.80% 52W
Market Cap
7.8k CR
P/E Ratio
15.3
52W High
₹83.9
52W Low
₹51.2
Div. Yield
0%
Beta
0.5
50 DMA
₹72.3
200 DMA
₹69.4
Profit Margin
10.9%
Inst. Own.
55.3%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,254 | 1,359 | 1,429 | 1,445 | 1,501 | 1,555 | 1,612 | 1,644 | 1,649 | 1,617 | 1,692 | 1,836 | 1,960 |
| Interest | 511 | 593 | 644 | 659 | 699 | 753 | 794 | 815 | 863 | 844 | 840 | 856 | 931 |
| Expenses | 662 | 680 | 715 | 758 | 974 | 1,021 | 967 | 1,002 | 1,375 | 969 | 1,027 | 965 | 1,041 |
| Financing Profit | 81 | 86 | 70 | 28 | -173 | -219 | -149 | -172 | -589 | -195 | -176 | 15 | -11 |
| Financing Margin % | 6% | 6% | 5% | 2% | -12% | -14% | -9% | -10% | -36% | -12% | -10% | 1% | -1% |
| Other Income | 171 | 181 | 205 | 240 | 209 | 239 | 238 | 225 | 292 | 229 | 289 | 263 | 255 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 252 | 267 | 276 | 268 | 36 | 20 | 90 | 53 | -297 | 34 | 114 | 278 | 244 |
| Tax % | 24% | 26% | 27% | 23% | 28% | 36% | 26% | 21% | -25% | 28% | 21% | 24% | 25% |
| Net Profit | 191 | 198 | 202 | 208 | 26 | 13 | 66 | 42 | -224 | 24 | 90 | 213 | 184 |
| EPS in Rs | 1.72 | 1.77 | 1.79 | 1.83 | 0.23 | 0.11 | 0.58 | 0.37 | -1.96 | 0.21 | 0.79 | 1.86 | 1.61 |
| Gross NPA % | 2.75% | 2.27% | 2.53% | 2.61% | 2.73% | 2.95% | 2.97% | 2.89% | 2.92% | 2.92% | 2.75% | 2.60% | 2.42% |
| Net NPA % | 1.18% | 0.97% | 1.13% | 1.17% | 0.83% | 0.97% | 0.96% | 0.98% | 0.98% | 0.98% | 0.92% | 0.72% | 0.71% |
| Metric | Mar 2012 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6 | 408 | 981 | 1,543 | 2,112 | 2,645 | 3,194 | 3,460 | 4,162 | 5,486 | 6,312 | 6,794 | 7,106 |
| Interest | 2 | 159 | 460 | 684 | 964 | 1,150 | 1,396 | 1,421 | 1,617 | 2,407 | 3,060 | 3,403 | 3,471 |
| Expenses | 17 | 230 | 561 | 964 | 1,015 | 1,304 | 1,628 | 2,123 | 2,361 | 2,681 | 3,816 | 4,170 | 4,002 |
| Financing Profit | -13 | 19 | -40 | -105 | 133 | 191 | 170 | -84 | 184 | 399 | -564 | -779 | -367 |
| Financing Margin % | -208% | 5% | -4% | -7% | 6% | 7% | 5% | -2% | 4% | 7% | -9% | -11% | -5% |
| Other Income | 0 | 71 | 233 | 241 | 283 | 282 | 418 | 538 | 670 | 799 | 911 | 1,074 | 1,037 |
| Depreciation | 0 | 5 | 32 | 88 | 92 | 96 | 76 | 75 | 85 | 134 | 148 | 167 | 0 |
| Profit before tax | -13 | 85 | 161 | 49 | 324 | 377 | 511 | 378 | 769 | 1,063 | 199 | 128 | 670 |
| Tax % | 0% | 0% | 36% | 34% | 35% | 35% | 25% | 26% | 25% | 25% | 26% | 20% | |
| Net Profit | -13 | 85 | 104 | 32 | 211 | 244 | 384 | 281 | 574 | 799 | 147 | 103 | 510 |
| EPS in Rs | -2.13 | 2.01 | 1.04 | 0.32 | 2.09 | 2.31 | 3.37 | 2.24 | 5.16 | 7.04 | 1.29 | 0.90 | 4.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 19% | 14% | 78% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 18.0% | 16.0% | 32.0% |
| Profit CAGR | -44.0% | -23.0% | 2.0% |
Shareholding Pattern
FIIs16.30%
DIIs47.13%
Public36.57%
FIIs15.67%
DIIs48.20%
Public36.13%
FIIs14.62%
DIIs49.96%
Public35.42%
FIIs14.74%
DIIs50.87%
Public34.38%
FIIs15.70%
DIIs51.25%
Public33.04%
FIIs22.69%
DIIs42.97%
Public34.33%
FIIs19.50%
DIIs45.21%
Public35.28%
FIIs16.47%
DIIs42.70%
Public40.82%
FIIs14.74%
DIIs50.87%
Public34.38%
FIIs15.70%
DIIs51.25%
Public33.04%
EQUITASBNK
Holdings Analysis
Key strengths & risk signals
57
Overall
50
Fundamental
64
Technical
Risks (3)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (68.3) is below both moving averages.
WEAK MOMENTUM! Limited price growth - 2.8% (1 week), -4.3% (1 month), -12.2% (3 months).
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (72.3) is above 200-day average (69.4) - positive signal.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
TESTING SUPPORT! Stock is at key support level.
Fundamental & Technical Analysis
57Overall
50Fundamental
64Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 12.1% (GOOD, 11/15). Profit CAGR: -43.6% (DECLINING, 2/15).
Profit Margin
5/10
DECENT EFFICIENCY! 10.9% profit margin - acceptable profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
8/10
LOW DEBT! D/E of 0.35 - strong balance sheet.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 35.58% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (72.3) is above 200-day average (69.4) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (68.3) is below both moving averages.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
8/10
GOOD YEAR! Stock gained 21.8% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,545,219 vs down days: 1,628,388. Ratio: 0.95x
RSI
3/5
NEUTRAL! RSI at 44.9 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 52.3% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.8% (1 week), -4.3% (1 month), -12.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| EQUITASBNK | ₹68.30 | 15.3 | 10.9% | 12.1% | -43.6% | +21.8% | 57 | BOUNCE FROM SUPPORT | -182.0% | -13.7% | +19.2% | +3.3% |
| DCBBANK | ₹210.80 | 8.6 | 25.3% | 15.9% | 16.3% | +62.2% | 76 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
| CSBBANK | ₹311.10 | 8.1 | 24.1% | 20.6% | 5.0% | -20.3% | 66 | CONSOLIDATING DOWN | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹480.40 | 13.4 | 12.9% | 14.8% | 8.4% | +8.2% | 63 | BOUNCE FROM SUPPORT | +52.3% | +11.0% | +18.5% | +0.8% |
| UJJIVANSFB | ₹64.50 | 14.1 | 19.6% | 14.3% | -14.3% | +33.0% | 67 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| KTKBANK | ₹335.90 | 8.9 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| SOUTHBANK | ₹51.50 | 8.9 | 29.4% | 9.5% | 23.4% | +50.7% | 84 | BREAKOUT | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹854.90 | 9.4 | 41.2% | 7.7% | 9.1% | +101.5% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
Data from TradeAlone · Updated daily
EQUITASBNK News
Equitas Small Finance Bank Launches ‘when Organisations Win’ Exploring Governance, Trust and Values2026-09-07Equitas Small Finance Bank Limited (equitasbnk) Q1 FY27: Strong Profitability with ₹184 Crore PAT2026-07-28Equitas Small Finance Bank Limited (EQUITASBNK) breaks below support, falls 5% intraday2026-07-28Equitas Small Finance Bank Limited Hikes FCNR (B) Deposits for US Dollars to 7.13% P.a.2026-06-18
