Equitas Small Finance Bank Intrinsic Value
EQUITASBNK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹42.62 | ₹38.36 - ₹46.88 | -35.9% | Book Value/Share: ₹53.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹65.85 | ₹59.26 - ₹72.44 | -0.9% | Revenue/Share: ₹65.85, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹157.74 | ₹126.19 - ₹189.29 | +137.4% | CF Growth: 5.0%, Discount: 15% |
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Valuation Comparison Chart
EQUITASBNK Intrinsic Value Analysis
What is the intrinsic value of EQUITASBNK?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of Equitas Small Finance Bank (EQUITASBNK) is ₹65.85 (median value). With the current market price of ₹66.45, this represents a -0.9% variance from our estimated fair value.
The valuation range spans from ₹42.62 to ₹157.74, indicating ₹42.62 - ₹157.74.
Is EQUITASBNK undervalued or overvalued?
Based on our multi-method analysis, Equitas Small Finance Bank (EQUITASBNK) appears to be trading near calculated value by approximately 0.9%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 8.70 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | -1.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 34.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Equitas Small Finance Bank
Additional stock information and data for EQUITASBNK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹2,044 Cr | ₹2,023 Cr | Positive Free Cash Flow | 8/10 |