Equitas Small Finance Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Equitas Small Finance Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 41% in 3 years, but profit fell: ₹38 less profit per ₹100 of extra sales. Lower than 90% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Less steady than 66% of Financial Services companies in India.
Growth Efficiency Ratio
−₹38Sales grew 41% in 3 years, but profit fell: ₹38 less profit per ₹100 of extra sales.
Lower than 90% of Financial Services companies in India.
Asset Productivity Ratio
+41% / +73%In 3 years sales changed by +41% while total assets changed by +73%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Equitas Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns. Net profit fell 30% in the year to Mar 2026, and shrank 44% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
14.7Investors pay ₹14.7 for every ₹1 of Equitas Small Finance Bank Limited's yearly profit, lower than 51% of Financial Services companies in India.
P/B ratio
1.23The share price is 1.23 times Equitas Small Finance Bank Limited's book value per share, lower than 56% of Financial Services companies in India.
Market cap
₹7,526 CrThe total market value of all of Equitas Small Finance Bank Limited's shares at today's price (share price × number of shares), larger than 55% of Financial Services companies in India. PosiCap size class: Mini Cap.
Net worth (book value)
₹6,125 CrWhat Equitas Small Finance Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹53.53Net worth divided by the number of shares. The share price of ₹65.78 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
8.3%Equitas Small Finance Bank Limited earned 8.3% on its shareholders' money over the last year, lower than 64% of Financial Services companies in India.
Owes vs Owns
0.90×Equitas Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 86% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneEquitas Small Finance Bank Limited does not currently pay a dividend.
Revenue growth
+6%Revenue rose 6% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Profit growth
-30%Net profit fell 30% in the year to Mar 2026, and shrank 44% a year on average over 3 years.
Profit margin
2.4%Equitas Small Finance Bank Limited keeps ₹2 of every ₹100 of revenue as net profit.
Questions
What is Equitas Small Finance Bank Limited's P/E ratio?
Investors pay ₹14.7 for every ₹1 of Equitas Small Finance Bank Limited's yearly profit, lower than 51% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Equitas Small Finance Bank Limited: ₹7,526 Cr ÷ ₹6,125 Cr (31 Mar 2026) = 1.2.
What is Equitas Small Finance Bank Limited's return on equity?
Equitas Small Finance Bank Limited earned 8.3% on its shareholders' money over the last year, lower than 64% of Financial Services companies in India.
How much does Equitas Small Finance Bank Limited owe compared with what it owns?
Equitas Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 86% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Equitas Small Finance Bank Limited pay a dividend?
No. Equitas Small Finance Bank Limited does not currently pay a dividend.
Is Equitas Small Finance Bank Limited's revenue growing?
Revenue rose 6% in the year to Mar 2026, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.