Is Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Equitas Holdings Ltd. - (Amalgamated) is a average quality company .

Is Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) undervalued or overvalued?

The key valuation ratios of Equitas Holdings Ltd. - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Fair zone .

What is Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) share price return in the past 10 years?

Data is not available for this company

What is the share price of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS)?

Company share prices are keep on changing according to the market conditions. The current trading price of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) on 02-Feb-2023 18:01:57 at 18:01 is 119.90.

What is the P/E ratio of Equitas Holdings . - (Amalgamated)?

The latest standalone P/E ratio of Equitas Holdings . - (Amalgamated) as of 02-Feb-2023 is 531.04.

What is the P/B ratio of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS)?

The latest standalone P/B ratio of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) as of 02-Feb-2023 is 2.36.

What is the 52-week high and low of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS)?

The 52-week high of Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) is Rs. 125.10 and the 52-week low is Rs. 117.35.

Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Equitas Holdings Ltd. - (Amalgamated) (EQUITAS)
Brand: Equitas Holdings . - (Amalgamated)

Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Equitas Holdings Ltd. - (Amalgamated) (EQUITAS)

BSE: 539844 NSE: EQUITAS

Key Metrics

Market Cap

₹4,098 Cr.

Earnings Per Share (TTM)

₹7.42

P/E Ratio

15.94

Price to Book (P/B)

1.15

EV/EBITDA

11.14

Current Price

₹119.9

Return on Capital Employed (ROCE)

7.10%

Return on Equity (ROE)

6.46%

Return on Assets (ROA)

0.77%

Gross NPA(%)

4.06

Book Value per Share

₹102.7

Net NPA(%)

2.37

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

9.03%

Net Interest Income Growth (3 Years)

23.62%

52-Week Low / High

₹117 / 125

Book Value Growth (1 Year)

11.17%

Book Value Growth (3 Years)

11.24%

DeciZen - make an informed investing decision on Equitas Holdings

Based on:

Data

M-Cap below 100cr DeciZen not available

Equitas Holdings Ltd. - (Amalgamated) stock performance

Key Ratios

Is an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	TTM
Operating Income (₹ Cr.)	282	482	755	1,111	1,528	1,658	2,288	2,878	3,735	3,978	4,220
YoY Gr. Rt. %	-	71%	56.5%	47.1%	37.5%	8.5%	38%	25.8%	29.8%	6.5%	-
Adj EPS (₹ )	1.9	3.4	4	6.2	4.7	0.4	5.2	6	13.9	4.5	7.4
YoY Gr. Rt. %	-	79.9%	16.5%	56.3%	-23.8%	-91.5%	1192.5%	15.9%	131.2%	-67.7%	-
BVPS (₹ )	27.3	34	43.5	49.7	66	64.8	70.4	79	87.2	97	102.7
YoY Gr. Rt. %	-	24.9%	27.9%	14.1%	32.9%	-1.9%	8.8%	12.2%	10.4%	11.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.3	3.2	2.9	3	2	0.1	1.2	1.1	2.2	0.8	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	34.2%	21.1%	20.2%	6.5%
Adj EPS	10.1%	-1%	-4.7%	-67.7%
BVPS	15.2%	8%	11.2%	11.2%
Share Price	-	7.8%	-	-

Key Financial Ratios


RATIOS \ YEARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	11.6	15.4	14.2	15.1	10.4	0.8	7.7	7.2	13.8	5.1	6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	8.5	12.2	11.2	13.3	8.9	0.6	7.7	8.1	18.1	6.5	7.2

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	0.2	7.4
TTM Sales (₹ Cr.)	17.3	4,220
BVPS (₹) ⓘ	50.7	102.7
Reserves (₹ Cr.) ⓘ	1,392	3,168
P/BV ⓘ	2.36	1.15
PE ⓘ	531.04	15.94

From the Market
52 Week Low / High (₹)	117.35 / 125.10
All Time Low / High (₹)	32.75 / 206.00
Market Cap (₹ Cr.)	4,098
Equity (₹ Cr.)	341.8
Face Value (₹)	10
Industry PE ⓘ	28.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Equitas Holdings - Consolidated Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Income +	289.80	483.77	756.74	1,118.16	1,580.44	1,789.98	2,358.53	2,923.36	3,820.73	4,044.90
Interest Income	282.15	482.43	755.06	1,110.93	1,527.76	1,657.63	2,288.17	2,877.57	3,734.99	3,977.84
Other Income ⓘ	17.58	22.97	56.43	71.14	144.89	196.35	170.75	277.60	431.71	591.12
Exceptional Items ⓘ	7.65	1.34	1.67	7.23	52.69	132.35	70.36	45.79	85.74	67.06
Expenditure ⓘ +	249.16	369.97	593.18	858.04	1,317.81	1,771.08	2,087.22	2,607.19	3,164.64	3,694.55
Interest Expense ⓘ	107.79	189.72	295.04	436.79	576.35	669.12	966.42	1,190.93	1,444.85	1,481.01
Operating Expenses ⓘ	123.79	157.28	241.71	350.11	596.57	905.61	950.05	1,138.66	1,288.08	1,622.42
Provisions	17.58	22.97	56.43	71.14	144.89	196.35	170.75	277.60	431.71	591.12
Exceptional Items ⓘ	0	0	0	0	-11.07	0	0	0	0	-61.19
Profit Before Tax ⓘ	40.64	113.80	163.56	260.12	251.56	18.90	271.31	316.17	656.09	289.16
Taxes ⓘ	7.94	39.66	56.60	92.98	92.20	5.25	94.74	110.17	142.30	85.85
Profit After Tax	32.70	74.14	106.96	167.14	159.37	13.65	176.57	206	513.79	203.31
Adjusted EPS (₹)	1.9	3.4	4.0	6.2	4.7	0.4	5.2	6.0	13.9	4.5
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	22%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Equity and Liabilities
Equity Capital +	472.14	741.68	1,170.62	1,341.35	2,230.60	2,249.55	2,443.41	2,783.64	3,074.14	3,405.72
Share Capital ⓘ	57.76	72.62	268.87	269.92	337.81	340.43	341.46	341.79	341.79	341.79
Reserves ⓘ	414.38	669.06	901.74	1,071.43	1,892.79	1,909.12	2,101.95	2,441.85	2,732.35	3,063.93
Short term borrowings	204.45	376.79	418.10	235.18	1,561.07	8,750.60	12,420.23	17,095.62	20,944.44	22,091.96
Long Term Borrowings	639.66	737.80	1,598.51	2,884.58	3,705.68	1,923.90	402.05	66.76	21.67	-120.35
Current Liabilities	728.20	1,324.48	1,805.94	2,457.47	3,722.94	9,195.24	12,744.90	17,711.24	21,689.80	23,003.80
Trade Payables	9.23	13.66	21.53	37.13	74.65	71.74	84.49	135.70	157.51	192.56
Other Liabilities	-213.67	-390.10	-439.50	-272.30	-1,635.45	-8,821.67	-12,504.43	-17,231.32	-21,099.82	-22,283.66
Total Liabilities ⓘ	1,839.99	2,804.30	4,575.19	6,683.40	9,659.50	13,369.38	15,590.65	20,681.14	25,383.35	27,342.13
Assets
Non Current Asset +	591.67	1,163.57	2,072.37	3,073.31	4,228.62	8,192.63	11,882.43	15,657.37	17,976.52	20,452.23
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	591.67	1,163.57	2,072.37	3,073.31	4,228.62	8,192.63	11,882.43	15,657.37	17,976.52	20,452.23
Current Asset +	1,248.32	1,640.73	2,502.82	3,610.09	5,430.88	5,176.75	3,708.22	5,023.77	7,406.83	6,889.90
Current Investment	3.95	3.40	175.50	11.87	1,293.51	3,857.28	2,345.70	2,384.29	3,837.48	4,547.47
Other Current Asset	1,244.37	1,637.33	2,327.32	3,598.22	4,137.36	1,319.47	1,362.52	2,639.48	3,569.35	2,342.43
Total Assets ⓘ	1,839.99	2,804.30	4,575.19	6,683.40	9,659.50	13,369.38	15,590.65	20,681.14	25,383.35	27,342.13

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Cash Flow From Operating Activity ⓘ	-780.75	-788.02	-1,154.69	-1,372.98	244.20	499.30	1,693.23	-972.94	2,740.55	57.10
Cash Flow From Investing Activity ⓘ	-125.18	86.07	-229.91	92.09	-2,152.68	-28.25	4.50	-72.67	-43.33	-89.28
Cash Flow From Financing Activity ⓘ	1,053.29	770.52	1,504.35	1,654.58	2,033.41	-318.61	-1,591.25	2,323.05	-1,850.59	-1,217.51
Net Cash Flow ⓘ	147.36	68.57	119.76	373.69	124.93	152.44	106.48	1,277.44	846.63	-1,249.69

Finance Ratio

PARTICULARS	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22
Operational & Financial Ratios
EPS (₹)	6	10	4	6	5	0	5	6	14	4
DPS (₹)	0	0	0	0	0	0	0	0	3	0
BVPS (₹)	82	102	44	50	66	65	70	79	87	97
Performance Ratios
ROA (%)	2.3	3.2	2.9	3.0	2.0	0.1	1.2	1.1	2.2	0.8
ROE (%)	8.5	12.2	11.2	13.3	8.9	0.6	7.7	8.1	18.1	6.5
ROCE (%)	11.4	14.0	13.5	13.6	11.2	6.3	8.7	8.5	9.5	7.1
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	2.6	2.2	1.9	0.5	1.0	1.1

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Equitas Holdings Ltd. - (Amalgamated) FAQs

The current trading price of Equitas Holdings on 02-Feb-2023 18:01 is ₹119.9.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Feb-2023 the market cap of Equitas Holdings stood at ₹4,098.1 Cr

The latest P/E ratio of Equitas Holdings as of 01-Feb-2023 is 531.0.

The latest P/B ratio of Equitas Holdings as of 01-Feb-2023 is 2.36.

The 52-week high of Equitas Holdings is ₹125.1 and the 52-week low is ₹117.3.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Equitas Holdings is ₹17.32 ( Cr.) .

About Equitas Holdings Ltd. - (Amalgamated)

Equitas Holdings Limited (EHL) was incorporated as UPDB Micro Finance Private Limited on June 22, 2007 at Chennai as a private limited company under the Companies Act, 1956. The name of the company was subsequently changed to Equitas Micro Finance India Private Limited and the Registrar of Companies, Tamil Nadu situated at Chennai (the RoC) issued a fresh certificate of incorporation on February 1, 2008. The name of the company was subsequently changed to Equitas Holdings Private Limited and the RoC issued a fresh certificate of incorporation on February 29, 2012. The company was then converted into a public limited company and consequently, its name was changed to Equitas Holdings Limited and the RoC issued a fresh certificate of incorporation on June 18, 2015.

The activity of the company is to making investment in subsidiary companies and providing loans to them. It has no other operations.

The company has the following Wholly Owned Subsidiaries:

Equitas Small Finance Bank Limited, licensed under Section 22 of the Banking Regulations Act, 1949 to carry on the business of Small Finance Bank.
Equitas Technologies Private Limited (ETPL), a Company registered under the Companies Act, 2013 engaged in the business of freight aggregation.

Business area of the company

Equitas Holdings is a Non-Deposit Taking Systemically Important - Core Investment Company - (CIS-ND-SI) registered with The Reserve Bank of India. The activity of the company is to making investment in subsidiary companies and providing loans to them. It has no other operations.

Major events and milestones

2007: Incorporation of the company.
2008: The company set up EDIT with the objective of furthering social initiatives.
2009: Investment in core banking solution by a license agreement with Temenos Singapore Pte. Limited.
2010: Incorporation of Equitas Housing Finance Private Limited as a wholly owned subsidiary of the company.
2011: Acquisition of the entire shareholding of V.A.P Finance Limited and Singhivi on March 21, 2011 and July 7, 2011 respectively, which were registered with the RBI as nonbanking financial institutions. V.A.P Finance Limited was converted into a private company and a fresh certificate of incorporation was issued by RoC on March 30, 2011. Subsequently the name of V.A.P Finance Private Limited was changed to Equitas Finance Private Limited.
2012: Demerger of its micro finance business undertaking pursuant to the order by the Madras High Court dated January 11, 2012 approving the Demerger Scheme with effect from April 1, 2011. The name of the company was changed to Equitas Holdings Private Limited.
2012 Pursuant to the company becoming a non-systemically important CIC, the certificate of registration under 45-IA of the RBI Act, as an NBFC (No. N-07-00768) was cancelled by the RBI at the request of the company.
2013 The name of Singhivi Investment & Finance Private Limited was changed to Equitas Micro Finance Private Limited.
2015 Conversion of the company into a public limited company and change of name to Equitas Holdings Limited.
2015 In-principle approval for Small Finance Bank pursuant to RBI Letter dated October 7, 2015 under reference DBR.PSBD.NBC (SFB-Equitas). No 4915/ 16.13.216/2015-16.
2015 Incorporation of Equitas Technologies Private Limited as a wholly owned subsidiary of the company.
2016 RBI granted in principle licence for Small Finance Bank.
2016 Launch of Equitas Small Finance Bank.
2016 Initial Public offering of the shares of Equitas Holding Limited over Subscribed 17.2 times.
2017-18 The Company infused a capital of Rs 5 crore in its subsidiary Equitas Technologies Private Limited by subscribing to its equity shares on a rights basis.

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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Equitas Holdings Ltd. - (Amalgamated) (EQUITAS) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Equitas Holdings Share Price