ScoreWhy is Equitas Small Finance Bank Ltd ?
1
The company has declared Negative results for the last 6 consecutive quarters
- CREDIT DEPOSIT RATIO(HY) Lowest at 82.44%
- PBDIT(Q) Lowest at Rs 11.61 cr.
- OPERATING PROFIT TO NET SALES(Q) Lowest at 0.72%
2
With ROA of -0.2, it has a Expensive valuation with a 1.2 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.60%, its profits have fallen by -120.4%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Equitas Sma. Fin should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Equitas Sma. Fin for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Equitas Sma. Fin
-0.52%
-0.11
34.02%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.53%
Net Profit Growth (5y)
-173.51%
Advance to Deposit
100.82%
Capital Adequacy Ratio (Tier 1)
20.81%
Gross NPA (latest)
2.75%
Gross NPA (avg)
3.25%
Coverage Ratio (avg)
57.80%
Cost to Income (avg)
66.51%
Net Interest Margin (avg)
7.98%
Operating Profit to Assets (avg)
9.85%
ROA (avg)
1.31%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.31
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-1.15%
ROA (Latest)
-0.12%
Net NPA to Book Value
6.27
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
GROSS NPA(Q)
Lowest at 2.75%
NII(Q)
Highest at Rs 851.63 cr
INTEREST EARNED(Q)
Highest at Rs 1,691.68 cr
PAT(Q)
Highest at Rs 90.03 cr.
EPS(Q)
Highest at Rs 0.79
NET NPA(Q)
Lowest at 0.92%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 254.51 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Equitas Sma. Fin
Profit After Tax (PAT) - Quarterly
At Rs 90.03 cr has Grown at 494.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -22.80 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.75%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 851.63 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,691.68 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 90.03 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.79
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.92%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Equitas Sma. Fin
Non Operating Income - Quarterly
is 254.51 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
