Equitas Small Finance Bank Limited has informed the Exchange about Investor Presentation
EQUITASBNK · price
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Equitas Small Finance Bank reported strong Q4FY26 results with PAT of Rs. 213 Cr, a 406% YoY jump from Rs. 42 Cr. RoA improved to 1.46% from 0.32%, and RoE reached 14.10%. Gross advances grew 22% YoY to Rs. 46,165 Cr, driven by robust disbursements across segments. Asset quality improved significantly with GNPA declining to 2.49% from 2.89%, and NNPA at 0.68%. Credit cost reduced sharply to 1.11% from 2.74% YoY. NIM expanded to 7.29% aided by declining cost of funds (6.94% vs 7.54% in Q4FY25). Management guided for 20%+ advance growth and ~1.2% full-year ROA for FY27.
The bank has demonstrated strong operational improvement with better margins, lower credit costs, and improved asset quality. The positive guidance for FY27 with 20%+ loan growth and improving ROA targets signals a sustained recovery trajectory, which should be positive for the stock.