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AU SMALL FINANCE BANK vs KARUR VYSYA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    AU SMALL FINANCE BANK KARUR VYSYA BANK AU SMALL FINANCE BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 23.8 9.9 241.2% View Chart
P/BV x 3.5 1.7 202.3% View Chart
Dividend Yield % 0.2 1.1 16.1%  

Financials

 AU SMALL FINANCE BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    AU SMALL FINANCE BANK
Mar-23
KARUR VYSYA BANK
Mar-23
AU SMALL FINANCE BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs733116 631.8%   
Low Rs53942 1,290.5%   
Income per share (Unadj.) Rs123.181.2 151.5%  
Earnings per share (Unadj.) Rs21.413.8 155.3%  
Cash flow per share (Unadj.) Rs70.726.2 270.1%  
Dividends per share (Unadj.) Rs1.002.00 50.0%  
Avg Dividend yield %0.22.5 6.2%  
Book value per share (Unadj.) Rs164.0107.0 153.3%  
Shares outstanding (eoy) m666.75802.05 83.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x5.21.0 532.2%   
Avg P/E ratio x29.75.7 519.1%  
Avg P/CF ratio x21.02.6 821.6%  
Avg Price/Bookvalue ratio x3.90.7 526.0%  
Dividend payout %4.714.5 32.2%   
Avg Mkt Cap Rs m423,95063,262 670.1%   
No. of employees `000NANA-   
Total wages & salary Rs m17,93010,060 178.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m82,05465,166 125.9%  
Other income Rs m10,34511,589 89.3%   
Interest expense Rs m37,80131,677 119.3%   
Net interest income Rs m44,25333,488 132.1%  
Operating expense Rs m34,40320,320 169.3%   
Gross profit Rs m9,85013,168 74.8%  
Gross profit margin %12.020.2 59.4%  
Provisions/contingencies Rs m5,91613,697 43.2%   
Profit before tax Rs m18,64614,369 129.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4,3673,308 132.0%   
Profit after tax Rs m14,27911,061 129.1%  
Net profit margin %17.417.0 102.5%  
BALANCE SHEET DATA
Advances Rs m584,215631,341 92.5%   
Deposits Rs m693,650766,376 90.5%  
Credit/Deposit ratio x84.282.4 102.2%  
Yield on advances %11.78.4 138.9%   
Cost of deposits %4.84.0 120.3%   
Net Interest Margin %5.64.1 138.0%  
Net fixed assets Rs m7,0734,176 169.4%   
Share capital Rs m6,6671,604 415.6%   
Free reserves Rs m102,66684,214 121.9%   
Net worth Rs m109,33385,818 127.4%   
Borrowings Rs m62,98714,320 439.8%   
Investments Rs m200,720188,083 106.7%   
Total assets Rs m902,161901,794 100.0%  
Debt/equity ratio x6.99.1 76.1%   
Return on assets %1.61.2 129.0%  
Return on equity %13.112.9 101.3%  
Capital adequacy ratio %23.618.6 127.1%  
Net NPAs %0.40.7 56.8%  
CASH FLOW
From Operations Rs m54,93612,172 451.3%  
From Investments Rs m-43,195-12,702 340.1%  
From Financial Activity Rs m23,225-1,781 -1,304.4%  
Net Cashflow Rs m34,967-2,310 -1,513.4%  

Share Holding

Indian Promoters % 25.5 2.2 1,146.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.9 50.8 122.0%  
FIIs % 41.1 15.6 263.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 74.5 97.8 76.2%  
Shareholders   155,660 232,052 67.1%  
Pledged promoter(s) holding % 0.0 7.3 -  
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 Karur Vysya 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 Karur Vysya Bank Share Price Performance

Period AU SMALL FINANCE BANK Karur Vysya Bank S&P BSE BANKEX
1-Day 0.75% -0.81% 0.82%
1-Month -0.91% -1.72% 2.48%
1-Year 0.37% 86.47% 19.28%
3-Year CAGR -4.38% 48.74% 12.00%
5-Year CAGR 14.08% 20.82% 9.40%

* Compound Annual Growth Rate

Here are more details on the AU SMALL FINANCE BANK share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.2%.

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

Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.

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

For a sector overview, read our banking sector report.



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