What is Andhra Bank - (Amalgamated) share price return in the past 10 years?

Andhra Bank - (Amalgamated) share price has declined -13.3% annually (CAGR) over the past ten years.

What is the P/E ratio of Andhra Bank - (Amalgamated)?

The latest standalone P/E ratio of Andhra Bank - (Amalgamated) as of 19-Mar-2020 is 0.00.

What is the P/B ratio of Andhra Bank - (Amalgamated)?

The latest standalone P/B ratio of Andhra Bank - (Amalgamated) as of 19-Mar-2020 is 0.22.

Andhra Bank - (Amalgamated) - Stock Valuation and Financial Performance

Name: Andhra Bank - (Amalgamated)
Brand: Andhra Bank - (Amalgamated)

BSE: 532418 | NSE: ANDHRABANK | Bank - Public | Small Cap

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Andhra Bank-Amalgama Share Price

₹15.55 0.00 0.00%
as on 19-Mar'20 18:01

DeciZen - make an informed investing decision on Andhra Bank-Amalgama

Based on:

Data

M-Cap below 100cr DeciZen not available

Andhra Bank - (Amalgamated) stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

0.00

Market Cap:

2,829.3 Cr.

52-wk low:

8.8

52-wk high:

9.6

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Andhra Bank - (Amalgamated) is a below average quality company.

2. Is undervalued or overvalued?

The key valuation ratios of Andhra Bank - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is a good buy now?

No data found

10 Year X-Ray of Andhra Bank-Amalgama:

Analysis of Financial Track Record

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

Standalone Basis ^P Consolidated Basis ^P

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

	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Net Interest Income (₹ Cr.)	2,195	3,221	3,759	3,757	3,737	4,538	5,321	5,532	6,335	6,708	6,941
YoY Gr. Rt. %	-	46.8%	16.7%	-0.1%	-0.5%	21.4%	17.3%	4%	14.5%	5.9%	-
Total Income	7,337	9,188	12,199	13,957	15,630	17,868	19,199	20,336	20,347	20,977	21,948
YoY Gr. Rt. %	-	25.2%	32.8%	14.4%	12%	14.3%	7.5%	5.9%	0.1%	3.1%	-
Adj EPS (₹ )	21.6	22.6	24	23	7.4	10.6	7.9	2.6	-28.5	-9.7	-3.1
YoY Gr. Rt. %	-	5%	6.1%	-4.1%	-67.9%	43.3%	-25.1%	-67.7%	-1212.1%	NA	-
BVPS (₹ )	90.9	116	133.7	150.9	148.2	155.1	151.3	154.4	83.3	42.3	41.6
YoY Gr. Rt. %	-	27.6%	15.2%	12.9%	-1.8%	4.7%	-2.5%	2.1%	-46.1%	-49.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.3	1.3	1.2	1	0.3	0.4	0.3	0.1	-1.5	-1.1	-0.5
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0.2	0.4	0.9	2.5	3.1	2.9	4.6	7.6	8.5	5.7	6.4
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	13.2%	12.4%	8%	5.9%
Total Income	12.4%	6.1%	3%	3.1%
Adj EPS	-191.5%	-205.5%	-206.8%	NA
BVPS	-8.2%	-22.2%	-34.6%	-49.2%
Share Price	-13.3%	-11.2%	19.4%	70.1%

Key Financial Ratios


RATIOS \ YEARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	TTM
Interest Earned / Total Income	86.85	90.24	92.95	92.5	91.47	91.61	91.85	88.65	88.34	90.25	89.8
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	2.5	3	3.1	2.6	2.3	2.5	2.8	2.6	2.8	2.8	2.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	26	23.2	19.3	16.2	5.1	7.1	5.5	1.7	-33.3	-25.1	-8.9
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	29.4	29.1	26.4	25.7	24.8	27.4	26.1	29.3	31.1	31.4	-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Andhra Bank - (Amalgamated)

	Standalone	Consolidated
TTM EPS (₹)	-3.1	-3
TTM Sales (₹ Cr.)	19,710	19,995
BVPS (₹.) ⓘ	41.6	42.1
Reserves (₹ Cr.) ⓘ	9,781	9,924
P/BV ⓘ	0.22	0.22
PE ⓘ	0.00	0.00

From the Market
52 Week Low / High (₹)	8.82 / 9.62
All Time Low / High (₹)	6.50 / 190.15
Market Cap (₹ Cr.)	2,829
Equity (₹ Cr.)	3,095.5
Face Value (₹)	10
Industry PE ⓘ	12.1

Management X-Ray of Andhra Bank-Amalgama:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Andhra Bank-Amalgama

Analyst's Notes

This is a premium feature, Please click here to check our solutions.

Key Ratios of Andhra Bank-Amalgama

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Income	7,337.49	9,188.23	12,198.66	13,957.12	15,630.16	17,868.45	19,199.15	20,335.72	20,346.60	20,977.26
Interest Income	6,372.87	8,291.28	11,338.73	12,909.69	14,297.32	16,368.60	17,634.68	18,027.42	17,974.54	18,932.22
Other Income ⓘ	964.62	896.96	859.93	1,047.42	1,332.84	1,499.84	1,564.47	2,308.31	2,372.06	2,045.04
Expenditure	6,291.64	7,921.16	10,853.99	12,667.98	15,194.58	17,230.01	18,659.31	20,161.39	23,759.13	23,763.39
Interest Expense	4,178.13	5,070.31	7,579.41	9,152.67	10,559.98	11,830.57	12,313.71	12,495.77	11,639.78	12,223.99
Operating Expenses	1,349.54	1,704.86	1,804.25	2,037.21	2,309.94	2,739.44	2,925.44	3,451.99	3,345.79	3,730.15
Provisions	763.97	1,145.99	1,470.33	1,478.10	2,324.66	2,660	3,420.17	4,213.62	8,773.56	7,809.25
Profit Before Tax	1,435.85	1,767.07	1,824.27	1,771.07	733.73	1,218.20	1,004.03	359.33	-5,460.81	-2,411.13
Taxes	390	500	479.60	481.94	298.15	579.76	464.19	185	-2,048.28	375
Profit After Tax	1,045.85	1,267.07	1,344.67	1,289.13	435.58	638.44	539.84	174.33	-3,412.53	-2,786.13
Adjusted EPS (₹)	21.56	22.64	24.03	23.04	7.39	10.59	7.93	2.56	-28.47	-9.66
Dividend Payout Ratio (%)	23%	24%	23%	22%	15%	19%	6%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Equity and Liabilities
Share Capital ⓘ	485	559.58	559.58	559.58	589.61	602.85	681.16	681.16	1,198.83	2,884.49
Total Reserves ⓘ	3,925.04	5,932.84	6,919.81	7,881.60	8,147.84	9,461.24	10,313.23	10,685.50	9,619.46	10,280.64
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	77,688.20	92,156.28	1,05,851.22	1,23,795.58	1,41,845.12	1,55,012.25	1,74,302.40	1,95,441.24	2,08,070.48	2,19,821
Borrowings ⓘ	5,852.44	7,639.74	8,240.56	11,119.34	13,185.09	15,307.22	9,715.59	8,855.18	18,269.05	10,278.11
Other Liabilities	2,391.71	2,612.28	2,974.22	2,942.84	3,573.26	4,786.79	4,949.37	7,436.29	5,013.55	6,047.17
Total Liabilities ⓘ	90,342.40	1,08,900.72	1,24,545.38	1,46,298.94	1,67,340.93	1,85,170.34	1,99,961.75	2,23,099.37	2,42,171.37	2,49,311.41
Assets
Balance with RBI	6,698.70	7,184.40	5,563.89	6,022.14	7,912.06	7,517.40	8,791.01	9,322.59	9,911.05	10,126.77
Balance with Banks	4,468.96	3,274.55	3,081.70	383.73	1,528.54	146.36	181.34	8,412.55	6,033.26	4,907.07
Investments ⓘ	20,881	24,204	29,628.91	37,632.40	45,356.62	45,808.21	53,864.19	59,697.49	64,770.30	62,953.09
Advances	56,113.51	71,435.36	83,222.98	98,373.30	1,07,644.20	1,25,954.73	1,30,787.89	1,36,846.34	1,49,064.13	1,58,822.68
Net Block ⓘ	337.61	295.83	299.99	299.34	391.17	1,221.50	1,305.88	1,485	1,465.34	1,551.46
Other Assets	1,824.58	2,484.91	2,745.36	3,583.90	4,465.58	4,480.07	4,968.88	7,289.71	10,919.34	10,943.71
Total Assets ⓘ	90,342.40	1,08,900.72	1,24,545.38	1,46,298.94	1,67,340.93	1,85,170.34	1,99,961.75	2,23,099.37	2,42,171.37	2,49,311.41

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Cash Flow From Operating Activity ⓘ	5,520	-1,251.29	-1,098.54	-1,518.74	2,102.70	-2,863.14	7,235	9,522.32	-11,956.28	2,909.90
Cash Flow From Investing Activity ⓘ	-121.81	-68.42	-77.91	-84.07	-219.81	-236.46	-315.73	-154.68	-136.05	-75.93
Cash Flow From Financing Activity ⓘ	481.96	611.01	-636.91	-636.91	1,151.85	1,322.77	-6,130.69	-604.84	10,301.49	-3,744.44
Net Cash Flow ⓘ	5,880.16	-708.71	-1,813.36	-2,239.72	3,034.73	-1,776.83	788.58	8,762.79	-1,790.84	-910.47

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Operational & Financial Ratios
EPS (₹)	22	23	24	23	7	11	8	3	-28	-10
DPS (₹)	5	6	6	5	1	2	1	0	0	0
BVPS (₹)	91	116	134	151	148	155	151	154	83	42
Margin Ratios
Yield on Advances (%)	11.4	11.6	13.6	13.1	13.3	13.0	13.5	13.2	12.1	11.9
Yield on Investments (%)	7.2	6.9	7.1	7.1	7.5	8.3	7.6	8.4	7.7	7.4
Cost of Liabilities (%)	5.0	5.1	6.6	6.8	6.8	7.0	6.7	6.1	5.1	5.3
NIM (%)	2.5	3.0	3.1	2.6	2.3	2.5	2.8	2.6	2.8	2.8
Interest Spread (%)	6.4	6.5	7.0	6.3	6.5	6.1	6.8	7.1	6.9	6.6
Performance Ratios
ROA (%)	1.3	1.3	1.2	1.0	0.3	0.4	0.3	0.1	-1.5	-1.1
ROE (%)	26.0	23.2	19.3	16.2	5.1	7.1	5.5	1.7	-33.3	-25.1
ROCE (%)	21.0	18.6	16.5	13.5	7.0	9.0	8.3	5.7	-18.7	-6.3
Efficiency Ratios
Cost to Income Ratio (%)	42.7	41.4	39.1	42.4	45.6	45.4	42.5	44.0	38.4	42.6
Operating Costs to Assets (%)	1.5	1.6	1.5	1.4	1.4	1.5	1.5	1.6	1.4	1.5
Valuation Parameters
Price/Book(x)	1.2	1.3	0.9	0.6	0.4	0.5	0.4	0.4	0.5	0.7

Andhra Bank - (Amalgamated) Stock News

Andhra Bank - (Amalgamated) FAQs

What is the share price of Andhra Bank-Amalgama?

Company share prices are keep on changing according to the market conditions. The closing price of Andhra Bank-Amalgama on 19-Mar-2020 18:01 is ₹15.55.

What is the market cap of Andhra Bank-Amalgama?

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 19-Mar-2020 18:01 the market cap of Andhra Bank-Amalgama stood at ₹2,829.3.

What is the P/E ratio of Andhra Bank-Amalgama?

The latest P/E ratio of Andhra Bank-Amalgama as of 19-Mar-2020 18:01 is 0.00.

What is the P/B ratio of Andhra Bank-Amalgama?

The latest P/B ratio of Andhra Bank-Amalgama as of 19-Mar-2020 18:01 is 0.22.

What is the 52-week high and low of Andhra Bank-Amalgama?

The 52-week high of Andhra Bank-Amalgama is ₹9.62 and the 52-week low is ₹8.82.

What is the TTM revenue of Andhra Bank-Amalgama?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Andhra Bank-Amalgama is ₹19,710 ( Cr.) .

About Andhra Bank - (Amalgamated)

Andhra Bank was founded by the eminent freedom fighter and a multifaceted genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on November 20, 1923 and commenced business on November 28, 1923 with a paid up capital of Rs1.00 lakh and an authorised capital of Rs10.00 lakhs.

Apart from regular banking services and solutions, Andhra Bank has introduced some attractive services such as AB Premium Current Account and AB Privilege Corporate Salary Savings Bank Account with extra benefits to the customers. Also, the bank has launched AB Saral Housing Loan scheme featuring housing loans upto Rs. 20 Lacs.

Andhra Bank has also partnered with various financial institutions like Kotak Mahindra, Reliance, Birla Sun Life Mutual Fund and Fidelity Mutual Fund, assisting them in sales of their Mutual Fund products. The bank has also signed a Memorandum of Understanding (MoU) with Maruti Suzuki Ltd. for financing 4 wheeler vehicles.

Andhra Bank is the first bank in India to have launched mobile biometric ATMs. These ATMs stop at predestinated sites, and instead of entering the personal identification number (PIN), the customers have to match their finger prints with their recorded finger prints in the bank database. This has enabled even the illiterate or uneducated customers of the bank to enjoy the ATM facility being offered by the bank.

Andhra Bank offers various special insurance and health benefit schemes including the Kiddy Bank Scheme and the Swashya Bima Yojana. Andhra Bank opened its first representative office in Dubai in May, 2006.

Services offered by the company:

Deposit SchemesRetail Loans Agriculture LoansCorporate Banking NRI Banking

RTGS- Real Time Gross Settlement System

AB Kisan Vikas Card- Andhra Bank takes a step forward in bringing the technology to farmers. The Pattabhi Agri Card (PAC), a Cash Credit facility for crop loans, has now access to ATM through Andhra Bank Kisan Vikas Card.

CMS- AB Cash Track is one of the technology-based products at the doorsteps for the fastest collection of cheques/DDs/payorder of the business community from various locations. Fastness, flexibility and foresight are the 3 Fs based on which its CMS is working and is standing FIRST in the servicing the business world. CMS is a value added service that ensures efficient cash flows of your business and eliminates idle floats and lowers the cost of funds.

ATMMobile - Andhra Bank the pioneer in several banking services and products, now brings banking services to the doorsteps of customers. Mobile ATMs, apart from expanding the reach of the bank, will also effectively function as a market point offering multiple services even in remote areas.

Western Union Money Transfer - Nearly 50% of the branches of Andhra Bank are designated centers to receive money under Western Union Money transfer.

DEMAT- Andhra Bank now offers the power of the value-added, service-oriented Demat account-AB Demat. Andhra Bank is Depository participant of Central Depository Services Ltd (CDSL).

Achievements/ recognition:

FINTECH Asia 2006 Award For 'Any Branch Banking (ABB)'
Ranked 683rd among Top 1000 Banks in the World
2nd Highest Mover in the World having climbed 277 places over previous year
Ranked as the Top Number 1 Bank in Asia under the 'Return on Capital'
Adjudged Best Bank by Analyst Magazine - An ICFAI Publication
The Best Bank as per the Business Standard Annual Banking Survey, 2004-05
Best Bank Rating from Business Today Magazine
ICRA Rating for Corporate Governance
Award of Institute of Chartered Accountants of India for excellence in Financial Reporting
IBA Technology Award
Awards for SLBC, as Convenor Bank in the State of AP
Awards for Best Performance under Kharif Loans
Best Bank in lending to Agriculture
Best Banker in lending to Unemployed Youth under Rajiv Yuva Sakthi
In 2006 Andhra bank was awarded the Best Bank Award - a banking technology award by IDRBT, Hyderabad for extensive use of IT in semi-urban and rural areas. In 2007, the bank received the Best Presented Accounts Award 2005 from the South Asian Federation of Accountants centre in Colombo.
Andhra Bank has emerged as BEST BANK MID-SIZE, with Rank 1, Size of Balance Sheet Rs.90,380 Crore, Net Profit Rs.1,050 Crore in Businessworld - Pricewaterhousecoopers Survey for India's Best Banks 2010.
The prestigious 'The Banker' - a Financial Times Limited Business Publication, July 2012 Issue published from London has ranked Andhra Bank as the â€˜458th Largest Bank Globally', out of the Top 1000 World Banks' Annual Rankings.