Equitas Small Finance Bank Limited
NSE: EQUITASBNK · Other Bank
Includes predecessor: Equitas Holdings Limited (till 25 Jan 2023)
Snapshot
Unlock Equitas Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Equitas Small Finance Bank Limited is an Indian financial institution providing a comprehensive suite of banking products and services to individuals, corporates, and MSMEs. It operates through segments including Treasury, Corporate/Wholesale Banking, and Retail Banking, supported by an extensive network of banking outlets and ATMs.
Business Model
The bank generates revenue primarily through net interest income earned on a diverse loan portfolio, including vehicle finance, MSME loans, and loans against property. It also earns fee-based income through investment services, insurance distribution, and various payment and collection solutions.
- Banking Outlets:869
- ATMs:339
Growth Outlook
Growth is driven by the expansion of digital banking services and the deepening of credit penetration within the MSME and retail segments. The bank continues to leverage its physical footprint to capture market share in underbanked regions.
Key Risks
- Credit Risk. The bank faces potential asset quality deterioration due to its significant exposure to MSME and retail borrowers who may be sensitive to economic downturns.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory requirements and priority sector lending targets mandated by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
- Competition. The bank operates in a highly competitive landscape, facing pressure from both traditional commercial banks and emerging fintech players.
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Key Metrics
NET PROFIT
₹704 Cr
TTM · standalone
EPS
₹6.17
TTM · standalone
P/E
8.7×
Q2 FY27 · standalone
Peers · Other Bank
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Equitas Small Finance Bank LimitedEQUITASBNK | ₹6,131 Cr | 8.7× | — | — | — | 10.7% | — | -5.6% |
Ujjivan Small Finance Bank LimitedUJJIVANSFB | ₹10,358 Cr | 9.5× | — | — | — | 15.3% | — | +8.3% |
Jana Small Finance Bank LimitedJSFB | ₹3,950 Cr | 8.5× | — | — | — | 10.3% | — | -17.3% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,191 Cr | -3.5× | — | — | — | — | — | +44.2% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,039 Cr | -1.7× | — | — | — | 18.5% | — | -41.0% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,432 Cr | 6.2× | — | — | — | 10.7% | — | -9.0% |
Financials
Equitas Small Finance Bank Limited
NSE: EQUITASBNK · Other Bank
Includes predecessor: Equitas Holdings Limited (till 25 Jan 2023)
Snapshot
Unlock Equitas Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Equitas Small Finance Bank Limited is an Indian financial institution providing a comprehensive suite of banking products and services to individuals, corporates, and MSMEs. It operates through segments including Treasury, Corporate/Wholesale Banking, and Retail Banking, supported by an extensive network of banking outlets and ATMs.
Business Model
The bank generates revenue primarily through net interest income earned on a diverse loan portfolio, including vehicle finance, MSME loans, and loans against property. It also earns fee-based income through investment services, insurance distribution, and various payment and collection solutions.
- Banking Outlets:869
- ATMs:339
Growth Outlook
Growth is driven by the expansion of digital banking services and the deepening of credit penetration within the MSME and retail segments. The bank continues to leverage its physical footprint to capture market share in underbanked regions.
Key Risks
- Credit Risk. The bank faces potential asset quality deterioration due to its significant exposure to MSME and retail borrowers who may be sensitive to economic downturns.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory requirements and priority sector lending targets mandated by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
- Competition. The bank operates in a highly competitive landscape, facing pressure from both traditional commercial banks and emerging fintech players.
Start your research today
Unlock AI insights, financials, peers and live data on Equitas Small Finance Bank Limited and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹704 Cr
TTM · standalone
EPS
₹6.17
TTM · standalone
P/E
8.7x
Q2 FY27 · standalone
Peers · Other Bank
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