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EQUITAS SMALL FINANCE BANK vs FINO PAYMENTS BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    EQUITAS SMALL FINANCE BANK FINO PAYMENTS BANK EQUITAS SMALL FINANCE BANK/
FINO PAYMENTS BANK
 
P/E (TTM) x 13.4 28.2 47.7% View Chart
P/BV x 2.0 4.3 47.1% View Chart
Dividend Yield % 1.1 0.0 -  

Financials

 EQUITAS SMALL FINANCE BANK   FINO PAYMENTS BANK
EQUITY SHARE DATA
    EQUITAS SMALL FINANCE BANK
Mar-23
FINO PAYMENTS BANK
Mar-23
EQUITAS SMALL FINANCE BANK/
FINO PAYMENTS BANK
5-Yr Chart
Click to enlarge
High Rs78326 23.9%   
Low Rs38183 20.5%   
Income per share (Unadj.) Rs37.511.4 328.7%  
Earnings per share (Unadj.) Rs5.27.8 66.0%  
Cash flow per share (Unadj.) Rs19.9142.1 14.0%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs46.465.1 71.3%  
Shares outstanding (eoy) m1,110.5683.21 1,334.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.522.3 6.9%   
Avg P/E ratio x11.232.5 34.4%  
Avg P/CF ratio x5.432.5 16.8%  
Avg Price/Bookvalue ratio x1.23.9 31.8%  
Dividend payout %19.40-   
Avg Mkt Cap Rs m64,06321,159 302.8%   
No. of employees `000NANA-   
Total wages & salary Rs m10,9671,556 704.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,619949 4,387.2%  
Other income Rs m6,69611,350 59.0%   
Interest expense Rs m16,172474 3,414.0%   
Net interest income Rs m25,447475 5,357.8%  
Operating expense Rs m20,38311,175 182.4%   
Gross profit Rs m5,064-10,700 -47.3%  
Gross profit margin %12.2-1,127.9 -1.1%  
Provisions/contingencies Rs m6,0240-   
Profit before tax Rs m7,688651 1,181.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9520-   
Profit after tax Rs m5,736651 881.3%  
Net profit margin %13.868.6 20.1%  
BALANCE SHEET DATA
Advances Rs m257,9861 22,050,048.7%   
Deposits Rs m253,8069,171 2,767.3%  
Credit/Deposit ratio x101.60 798,160.8%  
Yield on advances %14.610.6 137.7%   
Cost of deposits %5.42.0 269.3%   
Net Interest Margin %7.84.1 189.2%  
Net fixed assets Rs m3,3771,394 242.2%   
Share capital Rs m11,106832 1,334.6%   
Free reserves Rs m40,4174,585 881.5%   
Net worth Rs m51,5235,417 951.1%   
Borrowings Rs m29,7384,341 685.1%   
Investments Rs m66,64611,464 581.3%   
Total assets Rs m349,58124,664 1,417.4%  
Debt/equity ratio x5.52.5 220.6%   
Return on assets %1.62.6 62.2%  
Return on equity %11.112.0 92.7%  
Capital adequacy ratio %23.886.1 27.7%  
Net NPAs %1.20-  
CASH FLOW
From Operations Rs m-9,977-201 4,963.0%  
From Investments Rs m-2,613-965 270.6%  
From Financial Activity Rs m6011,844 32.6%  
Net Cashflow Rs m-8,883678 -1,310.6%  

Share Holding

Indian Promoters % 0.0 75.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 65.3 10.7 611.5%  
FIIs % 19.6 5.1 385.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 25.0 400.0%  
Shareholders   361,709 68,891 525.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare EQUITAS SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on EQUITAS SMALL FINANCE BANK vs FINO PAYMENTS BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

EQUITAS SMALL FINANCE BANK vs FINO PAYMENTS BANK Share Price Performance

Period EQUITAS SMALL FINANCE BANK FINO PAYMENTS BANK S&P BSE BANKEX
1-Day -0.48% 2.22% 0.82%
1-Month -7.22% -6.47% 2.48%
1-Year 43.69% 38.21% 19.28%
3-Year CAGR 15.45% -19.80% 12.00%
5-Year CAGR 23.06% -12.40% 9.40%

* Compound Annual Growth Rate

Here are more details on the EQUITAS SMALL FINANCE BANK share price and the FINO PAYMENTS BANK share price.

Moving on to shareholding structures...

The promoters of EQUITAS SMALL FINANCE BANK hold a 0.0% stake in the company. In case of FINO PAYMENTS BANK the stake stands at 75.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of EQUITAS SMALL FINANCE BANK and the shareholding pattern of FINO PAYMENTS BANK.

Finally, a word on dividends...

In the most recent financial year, EQUITAS SMALL FINANCE BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 19.4%.

FINO PAYMENTS BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of EQUITAS SMALL FINANCE BANK, and the dividend history of FINO PAYMENTS BANK.

For a sector overview, read our banking sector report.



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