Equitas Small Finance Bank Intrinsic Value
Equitas Small Finance Bank (EQUITASBNK) median intrinsic value is ₹32.84 from 7 valuation models (range ₹24–₹158), vs current price ₹78.34 — -58.1% downside (Trading Above Calculated Value), margin of safety -100.0%. Analyse Equitas Small Finance Bank ownership pattern to track promoter, FII and institutional holdings.
EQUITASBNK Valuation Methods Summary — DCF, Graham Number & P/E
Equitas Small Finance Bank intrinsic value across 7 models vs current price ₹78.34 — upside/downside and value range per method. For current market price and key ratios, visit EQUITASBNK share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹23.50 | ₹18.80 - ₹28.20 | -70.0% | EPS: ₹0.90, Sector P/E: 12x |
| Book Value Method | asset | ₹42.62 | ₹38.36 - ₹46.88 | -45.6% | Book Value/Share: ₹53.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹59.60 | ₹53.64 - ₹65.56 | -23.9% | Revenue/Share: ₹59.60, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹157.74 | ₹126.19 - ₹189.29 | +101.4% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹23.50 | ₹21.15 - ₹25.85 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹23.50 | ₹21.15 - ₹25.85 | -70.0% | Revenue Growth: 14.2%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹32.84 | ₹29.56 - ₹36.12 | -58.1% | EPS: ₹0.90, BVPS: ₹53.27 |
EQUITASBNK Intrinsic Value vs Market Price — All Valuation Models
Equitas Small Finance Bank fair value range ₹24–₹158 vs current market price ₹78.34 across 7 valuation models. Read EQUITASBNK ex-dividend dates for the complete payout history and dividend yield track record.
EQUITASBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Equitas Small Finance Bank median intrinsic value ₹32.84, current price ₹78.34 — Trading Above Calculated Value by 58.1%, margin of safety -100.0%.
What is the intrinsic value of EQUITASBNK?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of Equitas Small Finance Bank (EQUITASBNK) is ₹32.84 (median value). With the current market price of ₹78.34, this represents a -58.1% variance from our estimated fair value.
The valuation range spans from ₹23.50 to ₹157.74, indicating ₹23.50 - ₹157.74.
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 58.1%.
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 | 1.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 36.0% | 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 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 |