Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

Andhra Bank

Mid Cap

Evaluated by 4327 users |

BSE

: 532418 |

NSE

: ANDHRABANK |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)2,1953,2213,7593,7573,7374,5385,3215,5326,3356,708
Y-o-Y Gr. Rt.-46.8%16.7%-0.1%-0.5%21.4%17.3%4%14.5%5.9%
Total Income7,3379,18812,19913,95715,63017,86819,19920,33620,34720,977
Y-o-Y Gr. Rt.-25.2%32.8%14.4%12%14.3%7.5%5.9%0.1%3.1%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
21.5622.6424.0323.047.3910.597.932.56-28.47-9.66
Y-o-Y Gr. Rt.-5%6.1%-4.1%-67.9%43.3%-25.1%-67.7%-1212.1%NA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
90.93116.02133.66150.85148.19155.12151.27154.483.2742.31
Y-o-Y Gr. Rt.-27.6%15.2%12.9%-1.8%4.7%-2.5%2.1%-46.1%-49.2%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.321.271.150.950.280.360.280.08-1.47-1.13
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0.170.380.912.453.112.934.617.578.485.73
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income13.2%12.4%8%5.9%
Total Income12.4%6.1%3%3.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-191.5%-205.5%-206.8%NA
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
-8.2%-22.2%-34.6%-49.2%
Share Price -22.7% -27.2% -31.7% -39.7%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income86.8590.2492.9592.591.4791.6191.8588.6588.3490.25
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.493.043.092.642.32.532.752.582.762.83
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)25.9623.2419.2516.195.077.065.491.67-33.29-25.11
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 29.4329.0626.425.6524.8127.3526.0829.3331.0531.39
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
87.81%
4.15%
8.04%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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