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 | -28.6% | Book Value/Share: ₹53.27, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹66.99 | ₹60.29 - ₹73.69 | +12.2% | Revenue/Share: ₹66.99, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹149.22 | ₹119.38 - ₹179.06 | +150.0% | 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 ₹66.99 (median value). With the current market price of ₹59.69, this represents a +12.2% variance from our estimated fair value.
The valuation range spans from ₹42.62 to ₹149.22, indicating ₹42.62 - ₹149.22.
Is EQUITASBNK undervalued or overvalued?
Based on our multi-method analysis, Equitas Small Finance Bank (EQUITASBNK) appears to be trading below median value by approximately 12.2%.
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 |
| 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 |
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 |