| Key Financial Ratios of Equitas Small Finance Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
1.29 |
7.12 |
4.71 |
2.43 |
3.53 |
|
| Diluted EPS (Rs.) |
1.29 |
7.01 |
4.67 |
2.40 |
3.49 |
|
| Cash EPS (Rs.) |
2.59 |
8.22 |
5.93 |
2.84 |
4.04 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
53.27 |
52.59 |
46.44 |
33.91 |
29.81 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
53.27 |
52.59 |
46.44 |
33.91 |
29.81 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
55.37 |
48.34 |
37.48 |
27.63 |
28.04 |
|
| Net Profit/Share (Rs.) |
1.29 |
7.04 |
5.16 |
2.24 |
3.37 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
8,308,180.86 |
0.00 |
2,023,964.45 |
1,964,939.68 |
1,929,459.53 |
|
| Net Profit/ Employee (Rs.) |
193,563.12 |
0.00 |
278,943.00 |
159,443.29 |
232,074.90 |
|
| Business/ Employee (Rs.) |
104,403,855.47 |
0.00 |
24,888,932.74 |
21,766,912.76 |
20,077,264.07 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
142,155,968.47 |
0.00 |
47,564,321.14 |
40,181,989.55 |
37,101,198.61 |
|
| Net Profit/ Branches (Rs.) |
3,311,934.68 |
0.00 |
6,555,320.00 |
3,260,531.94 |
4,462,522.65 |
|
| Business/ Branches (Rs.) |
1,786,387,590.09 |
0.00 |
584,904,141.71 |
445,121,989.55 |
386,061,770.03 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
2.60 |
3.13 |
3.50 |
3.37 |
3.70 |
|
| CASA (%) |
28.78 |
31.97 |
42.28 |
52.00 |
34.24 |
|
| Net Profit Margin (%) |
2.32 |
14.56 |
13.78 |
8.11 |
12.02 |
|
| Operating Profit Margin (%) |
3.53 |
20.60 |
17.84 |
10.89 |
17.33 |
|
| Return on Assets (%) |
0.27 |
1.76 |
1.64 |
1.04 |
1.55 |
|
| Return on Equity / Networth (%) |
2.42 |
13.38 |
11.12 |
6.61 |
11.31 |
|
| Net Interest Margin (X) |
6.15 |
6.79 |
7.27 |
7.56 |
7.27 |
|
| Cost to Income (%) |
67.95 |
64.48 |
63.41 |
66.15 |
59.99 |
|
| Interest Income/Total Assets (%) |
11.94 |
12.11 |
11.90 |
12.83 |
12.92 |
|
| Non-Interest Income/Total Assets (%) |
1.72 |
1.76 |
1.91 |
1.99 |
1.69 |
|
| Operating Profit/Total Assets (%) |
-1.44 |
0.00 |
-0.27 |
-0.95 |
-0.13 |
|
| Operating Expenses/Total Assets (%) |
5.35 |
5.52 |
5.83 |
6.32 |
5.37 |
|
| Interest Expenses/Total Assets (%) |
5.79 |
5.31 |
4.62 |
5.27 |
5.65 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
46,558.85 |
44,903.87 |
34,628.92 |
27,014.33 |
26,883.85 |
|
| EV Per Net Sales (X) |
7.38 |
8.18 |
8.32 |
7.81 |
8.42 |
|
| Price To Book Value (X) |
1.03 |
1.76 |
1.44 |
1.51 |
2.01 |
|
| Price To Sales (X) |
0.99 |
1.91 |
1.79 |
1.85 |
2.14 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.02 |
0.08 |
0.08 |
0.04 |
0.06 |
|
Source : Dion Global Solutions Limited
