Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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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.
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X

Allahabad Bank

Small Cap

Evaluated by 3038 users |

BSE

: 532480 |

NSE

: ALBK |

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'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)2,1592,6504,0225,1634,8665,3116,1785,8985,2874,732
Y-o-Y Gr. Rt.-22.8%51.8%28.4%-5.7%9.1%16.3%-4.5%-10.4%-10.5%
Total Income8,5079,88512,38516,82218,91320,91221,71220,79520,30519,051
Y-o-Y Gr. Rt.-16.2%25.3%35.8%12.4%10.6%3.8%-4.2%-2.4%-6.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
17.2127.0129.8837.3323.721.5210.87-12.11-4.22-55.38
Y-o-Y Gr. Rt.-56.9%10.6%24.9%-36.5%-9.2%-49.5%-211.4%NANA
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
111.45131.73160.5192.92209.92201.04206.41185.99157.2791.36
Y-o-Y Gr. Rt.-18.2%21.8%20.2%8.8%-4.2%2.7%-9.9%-15.4%-41.9%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.851.11.041.120.610.550.28-0.32-0.13-1.91
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 (%)0.720.660.790.983.194.153.996.768.928.04
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 9.3%
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 Income9.1%-0.6%-8.5%-10.5%
Total Income9.4%0.2%-4.3%-6.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-213.9%-218.5%-272.1%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
-2.2%-15.3%-23.8%-41.9%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income86.5884.6688.9392.2892.1989.6490.8190.8186.9885.87
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.272.222.722.882.422.462.782.542.321.96
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)16.4922.2121.0421.5911.7710.935.46-6.41-2.71-48.17
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 34.634.533.4830.4930.7331.3533.5635.945.3746.08
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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
71.81%
15.57%
12.61%
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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