Equitas Small Finance Bank Intrinsic Value
Equitas Small Finance Bank (EQUITASBNK) median intrinsic value is ₹66.99 from 3 valuation models (range ₹43–₹158), vs current price ₹65.12 — +2.9% upside (Trading Near Calculated Value), margin of safety 2.8%. For current market price and key ratios, visit Equitas Small Finance Bank share price today.
EQUITASBNK Valuation Methods Summary — DCF, Graham Number & P/E
Equitas Small Finance Bank intrinsic value across 3 models vs current price ₹65.12 — upside/downside and value range per method. Browse EQUITASBNK quarterly financials for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹42.62 | ₹38.36 - ₹46.88 | -34.6% | Book Value/Share: ₹53.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹66.99 | ₹60.29 - ₹73.69 | +2.9% | Revenue/Share: ₹66.99, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹157.74 | ₹126.19 - ₹189.29 | +142.2% | CF Growth: 5.0%, Discount: 15% |
EQUITASBNK Intrinsic Value vs Market Price — All Valuation Models
Equitas Small Finance Bank fair value range ₹43–₹158 vs current market price ₹65.12 across 3 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 ₹66.99, current price ₹65.12 — Trading Near Calculated Value by 2.9%, margin of safety 2.8%.
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 ₹66.99 (median value). With the current market price of ₹65.12, this represents a +2.9% 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 2.9%.
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 | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -1.1% | 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 |
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 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 |