EQUITASBNKEquitas Small Finance Bank Limited Forensic Risk Analysis

Other Bank
Risk ClassStable
Market Cap₹6,825 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
16 / 100
-5 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

12.5th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹69.76▲0.5%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+16.0 pts
Final Composite Risk16 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 16 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • GNPA Spike
  • Provision Coverage Weakening
  • NIM Compression
What to Watch Next Quarter
  • Operating profit margins

Active Risk Objects (3)

CriticalHigh
GNPA Spike
🔭 Relative Sector RiskQuarterlyActive for 3 Qtrs
More Detail
Impact Weight15/15
MomentumDecaying
Last SignalQ2 FY2025
EQUITASBNK: GNPA spiked by 100 bps YoY to 3.00%.

"Asset quality signals are beginning to normalize. Historical credit costs are now receding."

Provision Coverage Weakening
📊 Earnings QualityQuarterlyActive for 1 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ1 FY2026
EQUITASBNK: Provision Coverage Ratio (PCR) dropped to 59.1% while GNPA grew by 16.5%.

"Asset quality signals are beginning to normalize. Historical credit costs are now receding."

NIM Compression
📊 Earnings QualityQuarterlyActive for 8 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ2 FY2026
EQUITASBNK: NIM compressed by 109 bps YoY (to 5.66%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)9.2719.17✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+50.0+40.0✅ RESILIENT
Forensic Benchmark Context: Other Bank (n=9 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹69.76(+0.5%)
1M Divergence+5.01%
1 Week-0.56%
1 Month+4.35%
6 Months+11.96%
1 Year+4.35%
2 Year-23.7%
3 Year-18.1%
Sector Average (1M)-0.66%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

EQUITASBNK • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.96%
Trend QualityStrong
Phase Progression
Phase Progression Score90%
Readiness LabelHigh (Phase Transition Imminent)
Probability of Advancing96%
CoinTree Momentum
Composite Z-Score+0.2911σ
Improving momentum strength
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#614 of 2716
Top 22.61% in momentum strength
Timeframe Sparklines
1W-0.6%
1M+4.3%
6M+12.0%
Weinstein Indicators
150 DMA₹63.75
200 DMA₹61.58
150 DMA Slope+2.7250%Rising
Relative Strength+17.45%Leading
Relative Turnover (RTR)1.3355
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (26).
EQUITASBNKEquitas Small Finance Bank Limited
16 Risk
Sector %ile13th
Delta-5
Active Flags3
Accel+0
Governance

Stable

AUBANKAU Small Finance Bank Limited
26 Risk
Sector %ile50th
Delta-5
Active Flags15
Accel+0
Governance

Watch

ESAFSFBESAFSFB
34 Risk
Sector %ile75th
Delta-8
Active Flags15
Accel+0
Governance

Watch

SURYODAYSURYODAY
38 Risk
Sector %ile88th
Delta-8
Active Flags20
Accel+0
Solvency

Watch

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

NIM Compression

2026

Provision Coverage Weakening

2026

NIM Compression

2025

NIM Compression

2025

NIM Compression

2025

GNPA Spike

2025

NIM Compression

2025

NIM Compression

2024

NIM Compression

2024

GNPA Spike

2024

NIM Compression

2024

GNPA Spike

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20267,868103-3,3165,773
FY20257,2231471,9372,137
FY20246,2857994,2981,788