Equitas Holdings Limited
NSE: EQUITAS · Small Finance Bank
Snapshot
Unlock Equitas Holdings Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Equitas Holdings Limited operates as a financial services provider in India, primarily functioning through its banking and finance subsidiaries. The company offers a diverse range of credit products, including microfinance, commercial vehicle loans, and housing finance, alongside retail banking services.
Business Model
The company generates revenue through net interest margins on various loan products and fee-based income from banking services, insurance distribution, and digital freight facilitation. It leverages a branch-based model to collect deposits and distribute credit to individuals and small enterprises.
Growth Outlook
Growth is driven by the expansion of its micro and small enterprise loan portfolios and the deepening of digital banking adoption. The company continues to focus on diversifying its asset base across various retail and commercial segments.
Key Risks
- Credit Risk. The company faces potential defaults from its microfinance and small enterprise borrowers, particularly during periods of economic volatility.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory oversight by the Reserve Bank of India regarding capital adequacy and priority sector lending.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the demand for its credit products.
- Operational Risk. The reliance on digital banking and technology platforms exposes the company to cybersecurity threats and potential system failures.
Price
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Key Metrics
REVENUE
₹17 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹-0.22
TTM · standalone
RETURN ON EQUITY
0.4%
TTM · standalone
NET PROFIT MARGIN
65.4%
Q3 FY23 · standalone
Peers · Small Finance Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Equitas Holdings LimitedEQUITAS | 4,050 | — | — | -20.8% | 51.5% | 0.4% | — | — |
Equitas Small Finance Bank LimitedEQUITASBNK | 6,400 | 86.02 | — | — | — | 23.0% | — | +22.0% |
CSB Bank LimitedCSBBANK | 6,235 | 10.02 | — | — | — | 19.4% | — | -14.2% |
DCB Bank LimitedDCBBANK | 5,506 | 8.11 | — | — | — | 7.5% | — | +27.2% |
Jana Small Finance Bank LimitedJSFB | 3,809 | 16.04 | — | — | — | — | — | +0.4% |
Utkarsh Small F.UTKARSHBNK | 2,046 | -1.70 | — | — | — | — | — | -35.7% |
As of Q3 FY23
Financials
Equitas Holdings Limited
NSE: EQUITAS · Small Finance Bank
Snapshot
Unlock Equitas Holdings Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Equitas Holdings Limited operates as a financial services provider in India, primarily functioning through its banking and finance subsidiaries. The company offers a diverse range of credit products, including microfinance, commercial vehicle loans, and housing finance, alongside retail banking services.
Business Model
The company generates revenue through net interest margins on various loan products and fee-based income from banking services, insurance distribution, and digital freight facilitation. It leverages a branch-based model to collect deposits and distribute credit to individuals and small enterprises.
Growth Outlook
Growth is driven by the expansion of its micro and small enterprise loan portfolios and the deepening of digital banking adoption. The company continues to focus on diversifying its asset base across various retail and commercial segments.
Key Risks
- Credit Risk. The company faces potential defaults from its microfinance and small enterprise borrowers, particularly during periods of economic volatility.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory oversight by the Reserve Bank of India regarding capital adequacy and priority sector lending.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the demand for its credit products.
- Operational Risk. The reliance on digital banking and technology platforms exposes the company to cybersecurity threats and potential system failures.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Equitas Holdings Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹17 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹-0.22
TTM · standalone
RETURN ON EQUITY
0.4%
TTM · standalone
NET PROFIT MARGIN
65.4%
Q3 FY23 · standalone
Peers · Small Finance Bank
As of Q3 FY23