Fincare Small Finance Bank Ltd - Stock Valuation and Financial Performance

BSE: 0 | NSE: | Bank - Private | Small Cap

BSE Share Price
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10 Year X-Ray of Fincare Small Financ:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Net Interest Income (₹ Cr.)14.427.428.51021953766197018791,0900
YoY Gr. Rt. %-89.4%4%257.8%91.7%92.8%64.5%13.3%25.4%24.1%-
Total Income29.35354.71863516751,2161,3771,6451,9710
YoY Gr. Rt. %-81.2%3.2%239.3%89%92.5%80.1%13.2%19.5%19.8%-
Adj EPS (₹ ) 27.12.70.8-8.718.122.617.80.44.74.7
YoY Gr. Rt. %-246.1%-61.3%-71.8%-1227.3%NA24.8%-21.1%-97.8%1072.5%-
BVPS (₹ )34.641.944.638.730118142.1159.954.258.858.8
YoY Gr. Rt. %-21%6.6%-13.2%-22.4%292.8%20.4%12.5%-66.1%8.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.53.610.7-5.63.22.51.50.10.90
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)0000.40.70.30.42.83.61.3-
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)----------20.04

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income61.7%41.1%20.8%24.1%
Total Income59.7%41.2%17.5%19.8%
Adj EPS9.7%NA-40.8%1072.5%
BVPS6.1%14.4%-25.5%8.7%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Interest Earned / Total Income93.894.7694.5590.2289.5889.6788.0490.8788.0788.5NAN
Margins To view Margins Colour Rating Guide click here
NIM (%)0009.49.19.499.18.49.10
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)818.86.32-25.320.318.311.80.88.30
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)00005.11111.923.836.333.1-

Recent Performance Summary

Recent Performance Summary not available for IPO

Recent Performance Summary not available for IPO

Latest Financials - Fincare Small Finance Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 4.7 -
TTM Sales (₹ Cr.) 1,744 -
BVPS (₹.) 58.8 -
Reserves (₹ Cr.) 1,078 -
P/BV 0.00 -
PE 0.00 -
From the Market
52 Week Low / High (₹) - / -
All Time Low / High (₹) - / -
Market Cap (₹ Cr.) 0
Equity (₹ Cr.) 220.8
Face Value (₹) 10
Industry PE 17.5

Management X-Ray of Fincare Small Financ:

Shareholding Pattern

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Promoter's Holding & Share Pledging

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Analyst's Notes

Key Ratios of Fincare Small Financ

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income 185.54350.61674.991,215.721,376.711,644.741,970.80
Interest Income 167.39314.08605.261,070.261,251.061,448.571,744.12
Other Income 18.1536.5369.73145.46125.65196.16226.68
Expenditure 176.86448.16573.011,072.271,263.571,635.871,867.16
Interest Expense 65.59118.91229.07451.50550.05569.78653.68
Operating Expenses 102.34178.05295.92426.13463.28646.80874.05
Provisions8.93151.2048.02194.64250.24419.29339.43
Profit Before Tax6.73-89.84120.89192.14146.425.75125.35
Taxes -1.957.7118.9148.6933.28-3.1321.71
Profit After Tax 8.68-97.55101.98143.45113.148.87103.64
Adjusted EPS (₹)0.77-8.6818.0722.5517.790.404.69
Dividend Payout Ratio (%)0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Share Capital 37.4637.4656.4463.6163.61220.78220.78
Total Reserves 397.64300.09609.56840.16953.29974.711,078.35
Minority Interest0000000
Deposits0727.102,043.214,653.935,318.506,456.178,033.19
Borrowings 631.101,068.981,283.071,368.161,400.432,943.542,784
Other Liabilities 131.58140.49179.46190.41231.24306.36351.37
Total Liabilities 1,197.782,274.124,171.747,116.277,967.0710,901.5712,467.69

Assets

Balance with RBI 0.7347.65141.911,058.531,036.501,116.79654.38
Balance with Banks309.14203.86379.6724.37119.13119.17117.81
Investments 0272.71700.861,006.961,279.362,151.632,522.84
Advances 777.201,629.602,764.694,815.585,301.127,036.968,702.42
Net Block 8.7421.8333.0440.3636.1942.3456.31
Other Assets101.9198151.54170.47194.77434.68413.94
Total Assets 1,197.782,274.124,171.747,116.277,967.0710,901.5712,467.69

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -213.86-481.16-274.65469.38338.46-1,388.75-56.07
Cash Flow From Investing Activity -132.2814.57-21.6866.79-303.16-281.25-223.59
Cash Flow From Financing Activity 546.21437.87440.18179.4132.271,712.82-159.54
Net Cash Flow 200.07-28.72143.85715.5867.5742.81-439.21
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)2-2618231805
DPS (₹)0000000
BVPS (₹)116901181421605459

Margin Ratios

Yield on Advances (%)21.519.321.922.223.620.620.0
Yield on Investments (%)0.06.14.65.15.44.85.3
Cost of Liabilities (%)10.46.66.97.58.26.16.0
NIM (%)9.49.19.49.09.18.49.1
Interest Spread (%)11.112.715.014.715.414.514.0

Performance Ratios

ROA (%)0.7-5.63.22.51.50.10.9
ROE (%)2.0-25.320.318.311.80.88.3
ROCE (%)6.80.413.916.212.04.77.5

Efficiency Ratios

Cost to Income Ratio (%)85.376.966.455.856.060.266.4
Operating Costs to Assets (%)8.57.87.16.05.85.97.0

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.0

Fincare Small Finance Bank Ltd Stock News

Fincare Small Finance Bank Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Fincare Small Financ on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jan-1970 05:30 the market cap of Fincare Small Financ stood at ₹0.00.
The latest P/E ratio of Fincare Small Financ as of 01-Jan-1970 05:30 is 0.00.
The latest P/B ratio of Fincare Small Financ as of 01-Jan-1970 05:30 is 0.00.
The 52-week high of Fincare Small Financ is ₹0.00 and the 52-week low is ₹0.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Fincare Small Financ is ₹1,744 ( Cr.) .

About Fincare Small Finance Bank Ltd

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