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RBL BANK vs AU SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    RBL BANK AU SMALL FINANCE BANK RBL BANK/
AU SMALL FINANCE BANK
 
P/E (TTM) x 12.2 23.8 51.0% View Chart
P/BV x 1.1 3.5 31.2% View Chart
Dividend Yield % 0.6 0.2 353.5%  

Financials

 RBL BANK   AU SMALL FINANCE BANK
EQUITY SHARE DATA
    RBL BANK
Mar-23
AU SMALL FINANCE BANK
Mar-23
RBL BANK/
AU SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs189733 25.8%   
Low Rs74539 13.8%   
Income per share (Unadj.) Rs159.3123.1 129.4%  
Earnings per share (Unadj.) Rs15.321.4 71.6%  
Cash flow per share (Unadj.) Rs83.970.7 118.7%  
Dividends per share (Unadj.) Rs1.501.00 150.0%  
Avg Dividend yield %1.10.2 724.3%  
Book value per share (Unadj.) Rs224.3164.0 136.8%  
Shares outstanding (eoy) m599.57666.75 89.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.85.2 16.0%   
Avg P/E ratio x8.629.7 28.9%  
Avg P/CF ratio x3.521.0 16.8%  
Avg Price/Bookvalue ratio x0.63.9 15.1%  
Dividend payout %9.84.7 209.5%   
Avg Mkt Cap Rs m78,948423,950 18.6%   
No. of employees `000NANA-   
Total wages & salary Rs m16,53517,930 92.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m95,49682,054 116.4%  
Other income Rs m25,06910,345 242.3%   
Interest expense Rs m46,78637,801 123.8%   
Net interest income Rs m48,70944,253 110.1%  
Operating expense Rs m51,34834,403 149.3%   
Gross profit Rs m-2,6389,850 -26.8%  
Gross profit margin %-2.812.0 -23.0%  
Provisions/contingencies Rs m13,2355,916 223.7%   
Profit before tax Rs m12,21118,646 65.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0164,367 69.1%   
Profit after tax Rs m9,19514,279 64.4%  
Net profit margin %9.617.4 55.3%  
BALANCE SHEET DATA
Advances Rs m701,864584,215 120.1%   
Deposits Rs m848,747693,650 122.4%  
Credit/Deposit ratio x82.784.2 98.2%  
Yield on advances %10.811.7 91.8%   
Cost of deposits %4.74.8 98.1%   
Net Interest Margin %4.95.6 87.3%  
Net fixed assets Rs m5,5327,073 78.2%   
Share capital Rs m5,9966,667 89.9%   
Free reserves Rs m128,511102,666 125.2%   
Net worth Rs m134,507109,333 123.0%   
Borrowings Rs m133,31762,987 211.7%   
Investments Rs m287,303200,720 143.1%   
Total assets Rs m1,158,057902,161 128.4%  
Debt/equity ratio x7.36.9 105.5%   
Return on assets %0.81.6 50.2%  
Return on equity %6.813.1 52.3%  
Capital adequacy ratio %16.923.6 71.7%  
Net NPAs %1.10.4 261.9%  
CASH FLOW
From Operations Rs m-110,31254,936 -200.8%  
From Investments Rs m-2,336-43,195 5.4%  
From Financial Activity Rs m22,34723,225 96.2%  
Net Cashflow Rs m-90,30134,967 -258.2%  

Share Holding

Indian Promoters % 0.0 25.5 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 48.0 61.9 77.5%  
FIIs % 28.3 41.1 68.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 74.5 134.2%  
Shareholders   344,856 155,660 221.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare RBL BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on RBL BANK vs AU SMALL FINANCE BANK

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

Here's a brief comparison:

RBL BANK vs AU SMALL FINANCE BANK Share Price Performance

Period RBL BANK AU SMALL FINANCE BANK S&P BSE BANKEX
1-Day 0.69% 0.75% 0.82%
1-Month -6.23% -0.91% 2.48%
1-Year 77.87% 0.37% 19.28%
3-Year CAGR 4.87% -4.38% 12.00%
5-Year CAGR -18.91% 14.08% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of RBL BANK hold a 0.0% stake in the company. In case of AU SMALL FINANCE BANK the stake stands at 25.5%.

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

Finally, a word on dividends...

In the most recent financial year, RBL BANK paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 9.8%.

AU SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 4.7%.

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

For a sector overview, read our banking sector report.



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