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AU SMALL FINANCE BANK vs INDIAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    AU SMALL FINANCE BANK INDIAN BANK AU SMALL FINANCE BANK/
INDIAN BANK
 
P/E (TTM) x 24.0 9.1 262.9% View Chart
P/BV x 3.5 1.4 258.0% View Chart
Dividend Yield % 0.2 1.7 10.1%  

Financials

 AU SMALL FINANCE BANK   INDIAN BANK
EQUITY SHARE DATA
    AU SMALL FINANCE BANK
Mar-23
INDIAN BANK
Mar-23
AU SMALL FINANCE BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs733310 236.4%   
Low Rs539137 392.7%   
Income per share (Unadj.) Rs123.1361.2 34.1%  
Earnings per share (Unadj.) Rs21.444.7 47.9%  
Cash flow per share (Unadj.) Rs70.771.6 98.8%  
Dividends per share (Unadj.) Rs1.008.60 11.6%  
Avg Dividend yield %0.23.8 4.1%  
Book value per share (Unadj.) Rs164.0397.5 41.3%  
Shares outstanding (eoy) m666.751,245.44 53.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x5.20.6 834.6%   
Avg P/E ratio x29.75.0 594.1%  
Avg P/CF ratio x21.01.8 1,175.2%  
Avg Price/Bookvalue ratio x3.90.6 689.3%  
Dividend payout %4.719.2 24.3%   
Avg Mkt Cap Rs m423,950278,481 152.2%   
No. of employees `000NANA-   
Total wages & salary Rs m17,93075,789 23.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m82,054449,852 18.2%  
Other income Rs m10,34578,045 13.3%   
Interest expense Rs m37,801247,173 15.3%   
Net interest income Rs m44,253202,679 21.8%  
Operating expense Rs m34,403127,248 27.0%   
Gross profit Rs m9,85075,431 13.1%  
Gross profit margin %12.016.8 71.6%  
Provisions/contingencies Rs m5,916100,171 5.9%   
Profit before tax Rs m18,64659,632 31.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-12 -0.0%   
Prior Period Items Rs m02,430 0.0%   
Tax Rs m4,3676,327 69.0%   
Profit after tax Rs m14,27955,723 25.6%  
Net profit margin %17.412.4 140.5%  
BALANCE SHEET DATA
Advances Rs m584,2154,492,940 13.0%   
Deposits Rs m693,6506,211,232 11.2%  
Credit/Deposit ratio x84.272.3 116.4%  
Yield on advances %11.77.1 164.9%   
Cost of deposits %4.83.7 129.0%   
Net Interest Margin %5.63.2 177.4%  
Net fixed assets Rs m7,07374,704 9.5%   
Share capital Rs m6,66712,454 53.5%   
Free reserves Rs m102,666482,614 21.3%   
Net worth Rs m109,333495,068 22.1%   
Borrowings Rs m62,987220,924 28.5%   
Investments Rs m200,7201,883,663 10.7%   
Total assets Rs m902,1617,133,340 12.6%  
Debt/equity ratio x6.913.0 53.3%   
Return on assets %1.60.8 202.6%  
Return on equity %13.111.3 116.0%  
Capital adequacy ratio %23.616.5 143.1%  
Net NPAs %0.40.9 46.7%  
CASH FLOW
From Operations Rs m54,936-278,940 -19.7%  
From Investments Rs m-43,195-3,140 1,375.7%  
From Financial Activity Rs m23,225-15,434 -150.5%  
Net Cashflow Rs m34,967-297,514 -11.8%  

Share Holding

Indian Promoters % 25.5 73.8 34.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.9 21.7 285.0%  
FIIs % 41.1 5.9 697.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 74.5 26.2 284.9%  
Shareholders   155,660 312,770 49.8%  
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 Indian 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 Indian Bank Share Price Performance

Period AU SMALL FINANCE BANK Indian Bank S&P BSE BANKEX
1-Day -1.39% -2.58% 0.04%
1-Month -4.65% -8.40% 0.11%
1-Year -1.29% 86.48% 18.30%
3-Year CAGR -0.71% 61.05% 11.49%
5-Year CAGR 14.02% 13.12% 9.74%

* Compound Annual Growth Rate

Here are more details on the AU SMALL FINANCE BANK share price and the Indian 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 Indian Bank the stake stands at 73.8%.

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 Indian 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%.

Indian Bank paid Rs 8.6, and its dividend payout ratio stood at 19.2%.

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

For a sector overview, read our banking sector report.



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