Equitas Small Finance Bank Ltd — Q4 FY26
Equitas Small Finance Bank delivered a strong Q4 FY26 with PAT of ₹213 crore (highest ever, +46% YoY) driven by NIM expansion to 7.29% (+57bps QoQ) and credit cost falling to 1....
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
Advances growth of 15% for FY26 (ex-DA)
Management reiterated 15% YoY advances growth for the full year, excluding the one-time direct assignment purchase.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Exit ROA of 1% in Q4 FY26
The bank expects to deliver a 1% return on assets in the fourth quarter, supported by lower credit costs and stable NIM.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1