Equitas Small Finance Bank Intrinsic Value
Equitas Small Finance Bank intrinsic value. Equitas Small Finance Bank (EQUITASBNK) median intrinsic value is ₹44.70 from 9 valuation models (range ₹29–₹171), vs current price ₹68.28 — -34.5% downside (Trading Above Calculated Value), margin of safety -52.8%. For current market price and key ratios, visit EQUITASBNK share price screener.
EQUITASBNK Valuation Methods Summary — DCF, Graham Number & P/E
Equitas Small Finance Bank intrinsic value across 9 models vs current price ₹68.28 — upside/downside and value range per method. Read EQUITASBNK ex-dividend dates for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹54.00 | ₹43.20 - ₹64.80 | -20.9% | EPS: ₹4.50, Sector P/E: 12x |
| Book Value Method | asset | ₹42.94 | ₹38.65 - ₹47.23 | -37.1% | Book Value/Share: ₹53.68, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹71.37 | ₹64.23 - ₹78.51 | +4.5% | Revenue/Share: ₹71.37, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹29.36 | ₹26.42 - ₹32.30 | -57.0% | EBITDA: ₹670.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹170.70 | ₹136.56 - ₹204.84 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹28.80 | ₹25.92 - ₹31.68 | -57.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹38.51 | ₹34.66 - ₹42.36 | -43.6% | Revenue Growth: 13.9%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹44.70 | ₹40.23 - ₹49.17 | -34.5% | ROE: 8.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹73.72 | ₹66.35 - ₹81.09 | +8.0% | EPS: ₹4.50, BVPS: ₹53.68 |
EQUITASBNK Intrinsic Value vs Market Price — All Valuation Models
Equitas Small Finance Bank fair value range ₹29–₹171 vs current market price ₹68.28 across 9 valuation models. Compare with EQUITASBNK fair value to assess whether the stock is under or overvalued.
EQUITASBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Equitas Small Finance Bank median intrinsic value ₹44.70, current price ₹68.28 — Trading Above Calculated Value by 34.5%, margin of safety -52.8%.
What is the intrinsic value of EQUITASBNK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Equitas Small Finance Bank (EQUITASBNK) is ₹44.70 (median value). With the current market price of ₹68.28, this represents a -34.5% variance from our estimated fair value.
The valuation range spans from ₹28.80 to ₹170.70, indicating ₹28.80 - ₹170.70.
Is EQUITASBNK undervalued or overvalued?
Based on our multi-method analysis, Equitas Small Finance Bank (EQUITASBNK) appears to be trading above calculated value by approximately 34.5%.
EQUITASBNK Financial Health — Key Ratios vs Industry Benchmarks
Equitas Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
EQUITASBNK Cash Flow Quality — Operating & Free Cash Flow
Equitas Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-3,316 Cr | ₹-3,409 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹1,937 Cr | ₹1,818 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹3,834 Cr | ₹3,654 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-998 Cr | ₹-998 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹160 Cr | ₹116 Cr | Positive Free Cash Flow | 8/10 |