Stock Report

Equitas Small Finance Bank Ltd Q4 FY2025 PAT slides to Rs. 42.10 crores

Posted On : 2025-05-01 23:14:22( TIMEZONE : IST )

Equitas Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 1869.4157 crores during the period ended March 31, 2025 as compared to Rs. 1850.3392 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 42.1077 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. 66.3024 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 0.37 for the period ended March 31, 2025 as compared to Rs. 0.58 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹ 1869.4157 crs	₹1850.3392 crs	1.03%
Net Profit	₹42.1077 crs	₹66.3024 crs	-36.49%
EPS	₹0.37	₹0.58	-36.21%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs. 1869.4157 crores during the period ended March 31, 2025 as compared to Rs.1685.1081 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs.42.1077 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.207.6208 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.0.37 for the period ended March 31, 2025 as compared to Rs.1.81 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹ 1869.4157 crs	₹1685.1081 crs	10.94%
Net Profit	₹42.1077 crs	₹207.6208 crs	-79.72%
EPS	₹0.37	₹1.81	-79.56%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.7223.2141 crores during the Financial Year ended March 31, 2025 as compared to Rs.6285.0740 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.147.0499 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.798.9602 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.1.29 for the Financial Year ended March 31, 2025 as compared to Rs.7.01 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹7223.2141 crs	₹6285.0740 crs	14.93%
Net Profit	₹147.0499 crs	₹798.9602 crs	-81.59%
EPS	₹1.29	₹7.01	-81.60%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹1067.7299 crs	₹1071.8651 crs	₹821.2772 crs
Gross NPA %	2.89%	2.97%	2.61%
Net NPA	₹354.1952 crs	₹340.0488 crs	₹360.8988 crs
Net NPA %	0.98%	0.96%	1.17%

Gross NPA was at ₹ 1067.7299 crs in Q4 FY2025 against ₹ 821.2772 crs in Q4 FY2024. The same was at ₹ 1071.8651 crs in Q3 FY2025.

Net NPA was at ₹ 354.1952 crs in Q4 FY2025 against ₹ 360.8988 crs in Q4 FY2024. The same was at ₹ 340.0488 crs in Q3 FY2025.

GNPA was at 2.89% of Gross advances as on March 31, 2025 as compared to 2.61% as on March 31, 2024 and 2.97% as of December 31, 2024.

Net NPA was at 0.98% of Gross advances as on March 31, 2025 as compared to 1.17% as on March 31, 2024 and 0.96% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	0.08%	0.13%	0.47%
CAR (BASEL III) %	20.60%	20.29%	21.70%

Return on Average Assets (RoA) is at 0.08% for Q4 FY2025 against 0.13% in Q3 FY2025 and 0.47% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 20.60%, as compared to 20.29% in Q3 FY2025 and 21.70% in Q4 FY2024.

Shares of Equitas Small Finance Bank Limited was last trading in BSE at Rs. 67.06 as compared to the previous close of Rs. 68.95. The total number of shares traded during the day was 819931 in over 6519 trades.

The stock hit an intraday high of Rs. 69.89 and intraday low of 66.45. The net turnover during the day was Rs. 55987430.00.