Stock EQB EQB INC.
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Financials EQB Inc.

Equities

EQB

CA26886R1047

Consumer Lending

Market Closed - Toronto S.E.
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
87.42 CAD -1.55% Intraday chart for EQB Inc. +1.62% +0.22%
Apr. 17 Equitable Bank Launches Inaugural Social Covered Bond DJ
Apr. 15 BMO Takeaways From EQB's Investor Meetings MT

Valuation

Fiscal Period: October 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,889 1,430 2,630 1,649 2,604 3,340 - -
Enterprise Value (EV) 1 1,889 1,430 2,630 1,649 2,604 3,340 3,340 3,340
P/E ratio 9.47 x 6.57 x 9.25 x 6.39 x 7.18 x 7.55 x 6.67 x 6 x
Yield 1.14% 1.74% 0.96% 2.51% 1.6% 1.99% 2.36% 2.8%
Capitalization / Revenue 4.08 x 2.87 x 4.51 x 2.25 x 3.11 x 2.73 x 2.53 x 2.57 x
EV / Revenue 4.08 x 2.87 x 4.51 x 2.25 x 3.11 x 2.73 x 2.53 x 2.57 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.36 x 0.91 x 1.4 x 0.77 x 0.92 x 1.11 x 0.98 x 0.88 x
Nbr of stocks (in thousands) 33,348 33,615 34,029 34,163 37,841 38,209 - -
Reference price 2 56.66 42.54 77.29 48.28 68.82 87.42 87.42 87.42
Announcement Date 2/24/20 2/22/21 2/7/22 2/16/23 12/7/23 - - -
1CAD in Million2CAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: October 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 462.6 497.4 582.6 733.4 838.3 1,223 1,321 1,302
EBITDA - - - - - - - -
EBIT 1 - 342.8 382.7 458.9 529.3 694.6 766.6 -
Operating Margin - 68.91% 65.69% 62.57% 63.14% 56.8% 58.03% -
Earnings before Tax (EBT) 1 279.1 300.5 390.4 368.5 502.1 621.6 673.9 742.9
Net income 1 201.8 219.3 288.1 264.6 364.6 434.9 480.2 538
Net margin 43.62% 44.09% 49.45% 36.08% 43.49% 35.57% 36.35% 41.33%
EPS 2 5.985 6.475 8.360 7.550 9.590 11.58 13.11 14.58
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6450 0.7400 0.7400 1.210 1.100 1.741 2.067 2.450
Announcement Date 2/24/20 2/22/21 2/7/22 2/16/23 12/7/23 - - -
1CAD in Million2CAD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: October 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 156 162.2 166.7 186.3 218.3 240.8 251.7 345.8 298.8 294.2 306.2 309 311.2 305
EBITDA - - - - - - - - - - - - - -
EBIT 1 101.4 118.7 89.51 117.8 132.8 144.3 162.7 222.3 164.7 167 178 182 - -
Operating Margin 65.04% 73.21% 53.71% 63.27% 60.84% 59.94% 64.63% 64.28% 55.14% 56.75% 58.12% 58.89% - -
Earnings before Tax (EBT) 1 102.9 112.8 80.62 106.3 68.73 135 172.5 194.6 143.8 151.2 160 160.1 127 132.5
Net income 1 78.97 86.86 57.75 76.49 43.51 97.2 128.6 138.8 101.9 98.03 106.8 105.4 90.8 94.9
Net margin 50.64% 53.56% 34.65% 41.07% 19.93% 40.37% 51.09% 40.14% 34.1% 33.32% 34.87% 34.09% 29.18% 31.11%
EPS 2 2.290 2.510 1.670 2.220 1.190 2.560 3.390 3.640 2.660 2.730 2.980 3.030 - -
Dividend per Share 2 0.1900 0.2800 0.2900 0.3100 0.3300 0.3700 0.3700 0.3800 - 0.4200 0.4400 0.4700 - -
Announcement Date 2/7/22 5/10/22 8/9/22 11/8/22 2/16/23 5/2/23 8/1/23 12/7/23 2/28/24 - - - - -
1CAD in Million2CAD
Estimates

Balance Sheet Analysis

Fiscal Period: October 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.9% 14.5% 16.7% 15.7% 13.6% 15.9% 15.6% 15.3%
ROA (Net income/ Total Assets) 0.8% - - - - 0.85% 0.87% -
Assets 1 25,224 - - - - 51,470 55,193 -
Book Value Per Share 2 41.50 46.70 55.20 62.70 75.10 78.70 89.10 99.50
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/24/20 2/22/21 2/7/22 2/16/23 12/7/23 - - -
1CAD in Million2CAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
10
Last Close Price
87.42 CAD
Average target price
103.7 CAD
Spread / Average Target
+18.62%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Consumer Lending
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