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ANDHRA BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    ANDHRA BANK PNB ANDHRA BANK/
PNB
 
P/E (TTM) x -3.0 20.2 - View Chart
P/BV x 0.2 1.4 15.5% View Chart
Dividend Yield % 0.0 0.5 -  

Financials

 ANDHRA BANK   PNB
EQUITY SHARE DATA
    ANDHRA BANK
Mar-19
PNB
Mar-23
ANDHRA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs4762 75.7%   
Low Rs2328 80.9%   
Income per share (Unadj.) Rs66.678.9 84.4%  
Earnings per share (Unadj.) Rs-9.53.0 -312.6%  
Cash flow per share (Unadj.) Rs-18.08.7 -206.0%  
Dividends per share (Unadj.) Rs00.65 0.0%  
Avg Dividend yield %01.4 0.0%  
Book value per share (Unadj.) Rs46.293.4 49.5%  
Shares outstanding (eoy) m2,884.4911,011.02 26.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.6 91.6%   
Avg P/E ratio x-3.714.8 -24.7%  
Avg P/CF ratio x2.02.1 92.5%  
Avg Price/Bookvalue ratio x0.80.5 156.4%  
Dividend payout %021.4 -0.0%   
Avg Mkt Cap Rs m100,524496,046 20.3%   
No. of employees `000NANA-   
Total wages & salary Rs m23,015149,426 15.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m192,029868,453 22.1%  
Other income Rs m30,881122,396 25.2%   
Interest expense Rs m122,243518,170 23.6%   
Net interest income Rs m69,786350,283 19.9%  
Operating expense Rs m50,058243,357 20.6%   
Gross profit Rs m19,728106,926 18.5%  
Gross profit margin %10.312.3 83.4%  
Provisions/contingencies Rs m78,280198,629 39.4%   
Profit before tax Rs m-23,91348,614 -49.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-103 -0.0%   
Prior Period Items Rs m2512,894 8.7%   
Tax Rs m3,75817,921 21.0%   
Profit after tax Rs m-27,42033,485 -81.9%  
Net profit margin %-14.33.9 -370.3%  
BALANCE SHEET DATA
Advances Rs m1,588,4798,374,590 19.0%   
Deposits Rs m2,198,52912,903,471 17.0%  
Credit/Deposit ratio x72.364.9 111.3%  
Yield on advances %8.96.9 129.4%   
Cost of deposits %5.23.6 143.3%   
Net Interest Margin %3.12.8 110.7%  
Net fixed assets Rs m15,649120,840 13.0%   
Share capital Rs m28,84522,022 131.0%   
Free reserves Rs m104,4721,006,783 10.4%   
Net worth Rs m133,3171,028,805 13.0%   
Borrowings Rs m103,146701,486 14.7%   
Investments Rs m669,1484,169,138 16.1%   
Total assets Rs m2,540,44014,936,490 17.0%  
Debt/equity ratio x17.313.2 130.6%   
Return on assets %-1.10.2 -481.5%  
Return on equity %-20.63.3 -631.9%  
Capital adequacy ratio %13.715.5 88.3%  
Net NPAs %5.72.7 210.7%  
CASH FLOW
From Operations Rs m29,181225,921 12.9%  
From Investments Rs m-837-7,325 11.4%  
From Financial Activity Rs m-37,51512,750 -294.2%  
Net Cashflow Rs m-9,099231,346 -3.9%  

Share Holding

Indian Promoters % 88.3 73.2 120.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.8 16.8 22.7%  
FIIs % 0.6 3.1 20.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.8 26.9 43.8%  
Shareholders   238,812 2,163,625 11.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Andhra Bank vs PNB

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

Here's a brief comparison:

Andhra Bank vs PNB Share Price Performance

Period Andhra Bank PNB S&P BSE BANKEX
1-Day -2.66% -0.78% -0.29%
1-Month -38.86% 29.57% 4.03%
1-Year -65.18% 165.56% 17.39%
3-Year CAGR -45.56% 46.15% 10.43%
5-Year CAGR -35.02% 11.75% 11.88%

* Compound Annual Growth Rate

Here are more details on the Andhra Bank share price and the PNB share price.

Moving on to shareholding structures...

The promoters of Andhra Bank hold a 88.3% stake in the company. In case of PNB the stake stands at 73.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Andhra Bank and the shareholding pattern of PNB.

Finally, a word on dividends...

In the most recent financial year, Andhra Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.

You may visit here to review the dividend history of Andhra Bank, and the dividend history of PNB.

For a sector overview, read our banking sector report.



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