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AU SMALL FINANCE BANK vs BANDHAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    AU SMALL FINANCE BANK BANDHAN BANK AU SMALL FINANCE BANK/
BANDHAN BANK
 
P/E (TTM) x 24.0 9.8 245.2% View Chart
P/BV x 3.5 1.5 233.7% View Chart
Dividend Yield % 0.2 0.8 21.2%  

Financials

 AU SMALL FINANCE BANK   BANDHAN BANK
EQUITY SHARE DATA
    AU SMALL FINANCE BANK
Mar-23
BANDHAN BANK
Mar-23
AU SMALL FINANCE BANK/
BANDHAN BANK
5-Yr Chart
Click to enlarge
High Rs733350 209.7%   
Low Rs539182 295.7%   
Income per share (Unadj.) Rs123.198.7 124.6%  
Earnings per share (Unadj.) Rs21.413.6 157.2%  
Cash flow per share (Unadj.) Rs70.716.3 432.5%  
Dividends per share (Unadj.) Rs1.001.50 66.7%  
Avg Dividend yield %0.20.6 27.9%  
Book value per share (Unadj.) Rs164.0121.5 135.0%  
Shares outstanding (eoy) m666.751,610.84 41.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x5.22.7 191.9%   
Avg P/E ratio x29.719.5 152.2%  
Avg P/CF ratio x21.06.0 347.6%  
Avg Price/Bookvalue ratio x3.92.2 177.2%  
Dividend payout %4.711.0 42.4%   
Avg Mkt Cap Rs m423,950428,241 99.0%   
No. of employees `000NANA-   
Total wages & salary Rs m17,93027,151 66.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m82,054159,047 51.6%  
Other income Rs m10,34524,686 41.9%   
Interest expense Rs m37,80166,451 56.9%   
Net interest income Rs m44,25392,596 47.8%  
Operating expense Rs m34,40346,368 74.2%   
Gross profit Rs m9,85046,228 21.3%  
Gross profit margin %12.029.1 41.3%  
Provisions/contingencies Rs m5,91648,967 12.1%   
Profit before tax Rs m18,64628,930 64.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4,3676,983 62.5%   
Profit after tax Rs m14,27921,946 65.1%  
Net profit margin %17.413.8 126.1%  
BALANCE SHEET DATA
Advances Rs m584,2151,047,568 55.8%   
Deposits Rs m693,6501,080,693 64.2%  
Credit/Deposit ratio x84.296.9 86.9%  
Yield on advances %11.713.1 89.1%   
Cost of deposits %4.85.0 95.4%   
Net Interest Margin %5.66.8 83.5%  
Net fixed assets Rs m7,0735,089 139.0%   
Share capital Rs m6,66716,108 41.4%   
Free reserves Rs m102,666179,614 57.2%   
Net worth Rs m109,333195,722 55.9%   
Borrowings Rs m62,987247,108 25.5%   
Investments Rs m200,720323,659 62.0%   
Total assets Rs m902,1611,557,700 57.9%  
Debt/equity ratio x6.96.8 102.0%   
Return on assets %1.61.4 112.3%  
Return on equity %13.111.2 116.5%  
Capital adequacy ratio %23.619.8 119.4%  
Net NPAs %0.41.2 35.9%  
CASH FLOW
From Operations Rs m54,936-42,446 -129.4%  
From Investments Rs m-43,195-16,179 267.0%  
From Financial Activity Rs m23,22547,913 48.5%  
Net Cashflow Rs m34,967-10,713 -326.4%  

Share Holding

Indian Promoters % 25.5 40.0 63.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.9 49.6 124.8%  
FIIs % 41.1 34.8 118.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 74.5 60.0 124.2%  
Shareholders   155,660 550,138 28.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare AU SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on AU SMALL FINANCE BANK vs BANDHAN BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

AU SMALL FINANCE BANK vs BANDHAN BANK Share Price Performance

Period AU SMALL FINANCE BANK BANDHAN BANK S&P BSE BANKEX
1-Day -1.39% -0.96% 0.04%
1-Month -4.65% -10.97% 0.11%
1-Year -1.29% -9.95% 18.30%
3-Year CAGR -0.71% -18.70% 11.49%
5-Year CAGR 14.02% -18.10% 9.74%

* Compound Annual Growth Rate

Here are more details on the AU SMALL FINANCE BANK share price and the BANDHAN BANK share price.

Moving on to shareholding structures...

The promoters of AU SMALL FINANCE BANK hold a 25.5% stake in the company. In case of BANDHAN BANK the stake stands at 40.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of AU SMALL FINANCE BANK and the shareholding pattern of BANDHAN BANK.

Finally, a word on dividends...

In the most recent financial year, AU SMALL FINANCE BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 4.7%.

BANDHAN BANK paid Rs 1.5, and its dividend payout ratio stood at 11.0%.

You may visit here to review the dividend history of AU SMALL FINANCE BANK, and the dividend history of BANDHAN BANK.

For a sector overview, read our banking sector report.



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