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Equitas Small Finance Bank Limited (EQUITASBNK) Fair Value & Analysis

Financial Services · IN · Market cap ₹86.2B

Price₹75.14
Fair Value₹11.72
Upside-84.4%
Quality97/100
Evidence: High Range ₹8.79 – ₹14.65

Fair value as of: Jun 29, 2026

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Analysis

Equitas Small Finance Bank Limited (EQUITASBNK) currently trades at ₹75.14, while our model-based Fair Value estimate is ₹11.72 — implying the stock looks roughly 84.4% overvalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Equitas Small Finance Bank Limited provides various banking products and services to individuals and corporates, and micro, small, and medium enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers fixed and term deposit products, and savings and current accounts, as well as trust, association, society, and club accounts. It also provides various loans, such as small business loans; vehicle financing, including used and new commercial vehicles and passenger cars; microfinance and microloans; affordable housing finance; MSE and NBFC finance; gold and staff loans; credit cards; and personal loans. In addition, the company offers lockers; forex services; life insurance products, including traditional, term, and ULIP; general insurance products, such as motor, fire, PA, and Sachet; health insurance products, including SAHI plans; mutual funds; FASTag; and the three-in-one account, comprisi…

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Frequently asked questions

Is Equitas Small Finance Bank Limited (EQUITASBNK) undervalued?
As of Jun 29, 2026, our model estimates a fair value of ₹11.72 versus a price of ₹75.14 — about −84% (overvalued). Model-based estimate, not financial advice.
What is the fair value of EQUITASBNK?
Our 21-model fair value for Equitas Small Finance Bank Limited is ₹11.72 (as of Jun 29, 2026), built from audited fundamentals. The current price is ₹75.14.
What is the quality score of EQUITASBNK?
Equitas Small Finance Bank Limited has a Quality Score of 97/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.