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
16.95%
-0.11
34.02%
Sensex
-4.95%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.13%
Net Profit Growth (5y)
-23.14%
Advance to Deposit
93.12%
Capital Adequacy Ratio (Tier 1)
20.81%
Gross NPA (latest)
2.60%
Gross NPA (avg)
3.02%
Coverage Ratio (avg)
59.11%
Cost to Income (avg)
66.73%
Net Interest Margin (avg)
8.29%
Operating Profit to Assets (avg)
14.25%
ROA (avg)
1.12%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
86
Price to Book Value
1.45
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
1.68%
ROA (Latest)
0.19%
Net NPA to Book Value
5.00
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend30What is working for the Company
GROSS NPA(Q)
Lowest at 2.60%
NII(Q)
Highest at Rs 980.12 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 91.87%
INTEREST EARNED(Q)
Highest at Rs 1,836.35 cr
PBDIT(Q)
Highest at Rs 139.00 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.57%
PBT LESS OI(Q)
Highest at Rs 14.89 cr.
PAT(Q)
Highest at Rs 212.68 cr.
EPS(Q)
Highest at Rs 1.86
NET NPA(Q)
Lowest at 0.72%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 94.65 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Equitas Sma. Fin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 14.89 cr has Grown at 105.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -283.12 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 212.68 cr has Grown at 1360.7% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -16.87 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.60%
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 980.12 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 1,836.35 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 139.00 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.57%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 14.89 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 212.68 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.86
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.72%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 91.87%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Equitas Sma. Fin
Non Operating Income - Quarterly
is 94.65 % 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
