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

Andhra Bank

Small Cap

Evaluated by 4236 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'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)1,6272,1953,2213,7593,7573,7374,5385,3215,5326,335
Y-o-Y Gr. Rt.-34.9%46.8%16.7%-0.1%-0.5%21.4%17.3%4%14.5%
Total Income6,1407,3379,18812,19913,95715,63017,86819,19920,33620,347
Y-o-Y Gr. Rt.-19.5%25.2%32.8%14.4%12%14.3%7.5%5.9%0.1%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
13.4721.5622.6424.0323.047.3910.597.932.56-28.47
Y-o-Y Gr. Rt.-60.1%5%6.1%-4.1%-67.9%43.3%-25.1%-67.7%-1212.1%
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
75.290.93116.02133.66150.85148.19155.12151.27154.483.27
Y-o-Y Gr. Rt.-20.9%27.6%15.2%12.9%-1.8%4.7%-2.5%2.1%-46.1%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)1.041.321.271.150.950.280.360.280.08-1.47
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 (%)0.180.170.380.912.453.112.934.617.578.48
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 11.42%
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 Income16.3%11%11.8%14.5%
Total Income14.2%7.8%4.4%0.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-208.7%-204.3%-239.1%-1212.1%
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
1.1%-11.2%-18.7%-46.1%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income87.5386.8590.2492.9592.591.4791.6191.8588.6588.34
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.452.493.043.092.642.32.532.752.582.76
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)18.9425.9623.2419.2516.195.077.065.491.67-33.29
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 31.4129.4329.0626.425.6524.8127.3526.0829.3331.05
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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
77.99%
10.75%
11.26%
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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