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Earnings Call

Equitas Small Finance Bank Earnings Call: Key Takeaways

Equitas SFB reported Q4FY26 PAT of ₹213 Cr, a 406% YoY surge. ROA reached 1.46%, significantly exceeding its 1% guidance exit target.

Why this was an Alfa AlertROA beat: Guided ~1% exit ROA for Q4FY26, achieved 1.46%, representing a 46% beat above the guided target.
Highlights
Revenue growthNet Income grew 18% YoY.
MarginsNIM expanded 57 bps QoQ to 7.29%.
Demand visibilityStrong; disbursements up 72% YoY.
Management confidenceHigh; worst of MFI credit stress seen as behind.

Growth

Gross advances grew 22% YoY to ₹46,165 Cr; PAT grew 406% YoY and 136% QoQ.

Outlook

FY27 guidance: 20%+ advance growth, ~1.2% ROA, and 1.5% exit ROA in Q4FY27.

Risks

Credit costs and opex remain sensitive; seasonal factors benefited current credit costs.

Source

Earnings Call filed with NSE, NSE: EQUITASBNK. Summary written with AI assistance from the document.

Read the document ↗

Equitas Small Finance Bank Ltd: key numbers

Share price
₹55.96
Market cap
₹6,403 Cr
Revenue (annual)
₹6,794 Cr
Net profit (annual)
₹116.0 Cr
P/E (TTM)
9.1×Sector 20.8×
Promoter holding
0.00%+0.00% QoQ
FII holding
15.80%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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