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AU SMALL FINANCE BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    AU SMALL FINANCE BANK HDFC BANK AU SMALL FINANCE BANK/
HDFC BANK
 
P/E (TTM) x 35.5 20.2 175.6% View Chart
P/BV x 5.7 3.3 174.1% View Chart
Dividend Yield % 0.2 1.1 14.6%  

Financials

 AU SMALL FINANCE BANK   HDFC BANK
EQUITY SHARE DATA
    AU SMALL FINANCE BANK
Mar-22
HDFC BANK
Mar-22
AU SMALL FINANCE BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs7101,724 41.2%   
Low Rs4551,292 35.2%   
Income per share (Unadj.) Rs188.1245.1 76.7%  
Earnings per share (Unadj.) Rs35.968.6 52.3%  
Cash flow per share (Unadj.) Rs101.0109.0 92.7%  
Dividends per share (Unadj.) Rs1.0015.50 6.5%  
Avg Dividend yield %0.21.0 16.7%  
Book value per share (Unadj.) Rs237.3445.4 53.3%  
Shares outstanding (eoy) m314.905,545.54 5.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x3.16.2 50.4%   
Avg P/E ratio x16.222.0 73.9%  
Avg P/CF ratio x10.112.2 83.0%  
Avg Price/Bookvalue ratio x2.53.4 72.5%  
Dividend payout %2.822.6 12.3%   
Avg Mkt Cap Rs m183,4908,363,508 2.2%   
No. of employees `000NANA-   
Total wages & salary Rs m13,789158,970 8.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m59,2171,359,364 4.4%  
Other income Rs m9,937317,590 3.1%   
Interest expense Rs m26,876585,843 4.6%   
Net interest income Rs m32,341773,521 4.2%  
Operating expense Rs m24,128403,124 6.0%   
Gross profit Rs m8,214370,397 2.2%  
Gross profit margin %13.927.2 50.9%  
Provisions/contingencies Rs m6,852306,477 2.2%   
Profit before tax Rs m14,541508,734 2.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-982 0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,242127,225 2.5%   
Profit after tax Rs m11,298380,528 3.0%  
Net profit margin %19.128.0 68.2%  
BALANCE SHEET DATA
Advances Rs m460,95314,209,423 3.2%   
Deposits Rs m525,84615,580,030 3.4%  
Credit/Deposit ratio x87.791.2 96.1%  
Yield on advances %10.67.5 141.6%   
Cost of deposits %4.33.1 137.1%   
Net Interest Margin %5.34.1 127.3%  
Net fixed assets Rs m6,08764,763 9.4%   
Share capital Rs m3,1495,546 56.8%   
Free reserves Rs m71,5782,464,311 2.9%   
Net worth Rs m74,7272,469,857 3.0%   
Borrowings Rs m59,9082,269,665 2.6%   
Investments Rs m153,0654,492,639 3.4%   
Total assets Rs m690,77821,229,343 3.3%  
Debt/equity ratio x7.87.2 108.5%   
Return on assets %1.61.8 91.2%  
Return on equity %15.115.4 98.1%  
Capital adequacy ratio %21.018.9 111.1%  
Net NPAs %0.50.3 156.3%  
CASH FLOW
From Operations Rs m68,490-119,596 -57.3%  
From Investments Rs m-47,534-22,163 214.5%  
From Financial Activity Rs m-9,484481,240 -2.0%  
Net Cashflow Rs m11,472341,132 3.4%  

Share Holding

Indian Promoters % 28.2 25.7 109.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 53.5 59.6 89.7%  
FIIs % 34.8 32.3 107.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 71.8 74.3 96.7%  
Shareholders   170,471 2,660,577 6.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare AU SMALL FINANCE BANK With:   AXIS BANK    ICICI BANK    SBI    PNB    BANK OF BARODA    


More on AU SMALL FINANCE BANK vs HDFC 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 HDFC Bank Share Price Performance

Period AU SMALL FINANCE BANK HDFC Bank S&P BSE BANKEX
1-Day -3.71% -2.64% -2.50%
1-Month -1.51% -1.32% 2.03%
1-Year 15.58% -7.88% 4.64%
3-Year CAGR 23.21% 4.75% 9.51%
5-Year CAGR 18.17% -4.27% 10.74%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of AU SMALL FINANCE BANK hold a 28.2% stake in the company. In case of HDFC Bank the stake stands at 25.7%.

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 HDFC 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 2.8%.

HDFC Bank paid Rs 15.5, and its dividend payout ratio stood at 22.6%.

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

For a sector overview, read our banking sector report.



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