equitymaster.comFalseFalseEQUITAS SMALL FINANCE BANK |
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Price History |
Price | Rs | 92.4 | | % ch | % | -0.5 |
Mkt Cap | Rs m | 104,875 | | No. of
shares | m | 1,134.89 |
Vol | '000 | 136.3 | | % ch week | % | 1.1 |
P/E | X | 13.4 | | % ch 1-mth | % | -9.4 |
P/CF | X | 4.0 | | % ch 12-mth | % | 48.4 |
EPS (TTM) | Rs | 6.9 | | 52 week H/L | Rs | 116.5/61.7 |
(As on Mar 28, 2024 (Close)) |
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Financials |
* Results Consolidated | No. of Months
Year Ending | 12
Mar-19* | 12
Mar-20* | 12
Mar-21* | 12
Mar-22* | 12
Mar-23* |
EQUITY SHARE DATA |
High | Rs | NA | NA | 68 | 77 | 78 |
Low | Rs | NA | NA | 30 | 45 | 38 |
Income per share (Unadj.) | Rs | 21.0 | 25.1 | 28.0 | 27.6 | 37.5 |
Earnings per share (Unadj.) | Rs | 2.1 | 2.3 | 3.4 | 2.2 | 5.2 |
Diluted earnings per share | Rs | 1.9 | 2.1 | 3.4 | 2.5 | 5.1 |
Cash flow per share (Unadj.) | Rs | 11.1 | 11.2 | 11.7 | 11.9 | 19.9 |
Dividends per share (Unadj.) | Rs | 0 | 0 | 0 | 0 | 1.00 |
Adj. dividends per share | Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.98 |
Avg Dividend yield | % | 0 | 0 | 0 | 0 | 1.7 |
Book value per share (Unadj.) | Rs | 22.4 | 26.1 | 29.8 | 33.9 | 46.4 |
Adj. book value per share | Rs | 19.9 | 24.2 | 29.9 | 37.4 | 45.4 |
Shares outstanding (eoy) | m | 1,005.94 | 1,053.40 | 1,139.28 | 1,252.03 | 1,110.56 |
Bonus / Rights / Conversions | | 0 | 0 | 0 | 0 | 0 |
Avg Price / Income ratio | x | 0 | 0 | 1.8 | 2.2 | 1.5 |
Avg P/E ratio | x | 0 | 0 | 14.6 | 27.1 | 11.2 |
Avg P/CF ratio | x | 0 | 0 | 6.3 | 8.7 | 5.4 |
Avg Price/Bookvalue ratio | x | 0 | 0 | 1.6 | 1.8 | 1.2 |
Dividend payout | % | 0 | 0 | 0 | 0 | 19.4 |
Avg Mkt Cap | Rs m | 0 | 0 | 55,996 | 76,061 | 64,063 |
No. of employees | `000 | NA | NA | NA | NA | NA |
Total wages & salary | Rs m | 5,513 | 7,098 | 7,915 | 8,982 | 10,967 |
Avg. income/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. wages/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
Avg. net profit/employee | Rs Th | 0 | 0 | 0 | 0 | 0 |
INCOME DATA |
Interest income | Rs m | 21,119 | 26,454 | 31,944 | 34,597 | 41,619 |
Other income | Rs m | 2,829 | 2,824 | 4,181 | 5,376 | 6,696 |
Interest expense | Rs m | 9,602 | 11,501 | 13,965 | 14,211 | 16,172 |
Net interest income | Rs m | 11,517 | 14,953 | 17,980 | 20,385 | 25,447 |
Operating expense | Rs m | 10,085 | 11,801 | 13,294 | 17,041 | 20,383 |
Gross profit | Rs m | 1,432 | 3,152 | 4,685 | 3,344 | 5,064 |
Gross profit margin | % | 6.8 | 11.9 | 14.7 | 9.7 | 12.2 |
Provisions/contingencies | Rs m | 2,156 | 3,539 | 5,024 | 5,912 | 6,024 |
Profit before tax | Rs m | 3,237 | 3,509 | 5,113 | 3,781 | 7,688 |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | 0 | 0 | 0 |
Minority Interest | Rs m | 0 | 0 | 0 | 0 | 0 |
Prior Period Items | Rs m | 0 | 0 | 0 | 0 | 0 |
Tax | Rs m | 1,132 | 1,073 | 1,270 | 974 | 1,952 |
Profit after tax | Rs m | 2,106 | 2,436 | 3,842 | 2,807 | 5,736 |
Net profit margin | % | 10.0 | 9.2 | 12.0 | 8.1 | 13.8 |
BALANCE SHEET DATA |
Advances | Rs m | 115,950 | 137,282 | 168,482 | 193,742 | 257,986 |
Deposits | Rs m | 90,067 | 107,884 | 163,920 | 189,508 | 253,806 |
Credit/Deposit ratio | x | 128.7 | 127.2 | 102.8 | 102.2 | 101.6 |
Yield on advances | % | 15.7 | 17.6 | 17.2 | 16.2 | 14.6 |
Cost of deposits | % | 5.7 | 6.8 | 5.9 | 6.0 | 5.4 |
Net Interest Margin | % | 8.3 | 9.3 | 8.7 | 8.6 | 7.8 |
Net fixed assets | Rs m | 2,357 | 2,105 | 1,842 | 1,893 | 3,377 |
Share capital | Rs m | 10,059 | 10,534 | 11,393 | 12,520 | 11,106 |
Free reserves | Rs m | 12,484 | 16,907 | 22,571 | 29,929 | 40,417 |
Net worth | Rs m | 22,543 | 27,441 | 33,963 | 42,449 | 51,523 |
Borrowings | Rs m | 39,730 | 51,349 | 41,653 | 26,164 | 29,738 |
Investments | Rs m | 23,445 | 23,425 | 37,052 | 44,499 | 66,646 |
Total assets | Rs m | 157,627 | 192,955 | 247,085 | 269,476 | 349,581 |
Debt/equity ratio | x | 5.8 | 5.8 | 6.1 | 5.1 | 5.5 |
Return on assets | % | 1.3 | 1.3 | 1.6 | 1.0 | 1.6 |
Return on equity | % | 9.3 | 8.9 | 11.3 | 6.6 | 11.1 |
Capital adequacy ratio | % | 22.4 | 23.6 | 24.2 | 25.2 | 23.8 |
Net NPAs | % | 1.4 | 1.7 | 1.5 | 2.4 | 1.2 |
CASH FLOW |
From Operations | Rs m | 17,993 | 4,396 | 20,439 | 1,595 | -9,977 |
From Investments | Rs m | -66 | -717 | -428 | -891 | -2,613 |
From Financial Activity | Rs m | -17,063 | 9,083 | -11,539 | -13,166 | 601 |
Net Cashflow | Rs m | 864 | 12,762 | 8,472 | -12,462 | -8,883 |
* Results Consolidated | Source: Company Annual Reports, Regulatory Filings, Equitymaster |
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Share Holding |
Indian Promoters: | 0.0% |
Foreign collaborators: | 0.0% |
Indian inst/Mut Fund: | 65.3% |
FIIs: | 19.6% |
ADR/GDR: | 0.0% |
Free float: | 100.0% |
Shareholders: | 361,709 |
Pledged promoter(s) holding: | 0.0% |
|
Company Information |
REGD OFF: | Phase I I 4th Floor Spencer Plaza, No .769 Mount Road, Anna Salai, Chennai - 600002 |
E-MAIL: | cs@equitasbank.com / corporate@equitas.in |
WEB: | www.equitasbank.com |
TELEPHONE: | 044-42995000 |
FAX: | 044-42995050 |
SECTOR: | BANKING |
GROUP: | Equitas Holdings |
TR AGENT: | K FIN Technologies Ltd.-(Karvy Fintech Pvt Ltd.), Karvy Selenium Tower B Plot 31-32, Gachibowli Financial District, Nanakramguda |
CHM: | Arun Ramanathan |
COMP SEC: | N Ramanathan |
YEAR OF INC: | 1993 |
BSE CODE: | 543243 |
FV (Rs): | 10 |
DIV YIELD (%): | 1.1 |