Andhra Bank(Merged)

₹ 9.10 -3.19%

19 Mar 2020

andhrabank.in BSE: 532418 NSE: ANDHRABANK

About

Andhra Bank operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers various products and services, which include deposits and accounts, loans, credit cards, debit cards, travel cards, online payment services, mutual funds and insurance.

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Website BSE NSE

Market Cap ₹ 2,817 Cr.
Current Price ₹ 9.10
High / Low ₹ /
Stock P/E
Book Value ₹ 40.2
Dividend Yield 0.00 %
ROCE 4.81 %
ROE -10.3 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.23 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 3.98% over past five years.
Company has a low return on equity of -20.5% over last 3 years.
Contingent liabilities of Rs.1,39,089 Cr.
Company might be capitalizing the interest cost
Earnings include an other income of Rs.3,499 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019
	4,591	4,822	4,867	4,923	5,034	5,030	5,008
	2,751	2,792	2,929	3,981	2,295	2,505	2,510
Operating Profit	1,840	2,030	1,938	941	2,740	2,526	2,498
OPM %	40%	42%	40%	19%	54%	50%	50%
	725	726	742	890	689	856	911
Interest	3,068	3,027	3,099	3,032	3,312	3,265	3,162
Depreciation	-0	-0	-0	-0	-0	-0	-0
Profit before tax	-503	-271	-418	-1,200	117	117	247
Tax %	8%	63%	37%	1%	71%	61%	29%
	-537	-433	-566	-1,206	39	56	185
EPS in Rs	-4.48	-3.61	-3.26	-4.18	0.13	0.19	0.62
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
	5,375	6,373	8,303	11,362	12,972	14,397	16,512	17,798	18,232	18,209	19,203	20,074
	1,430	1,622	3,022	3,119	3,541	5,051	5,611	6,443	8,293	14,908	12,322	11,833
Operating Profit	3,945	4,751	5,280	8,243	9,431	9,346	10,900	11,356	9,939	3,301	6,881	8,241
OPM %	73%	75%	64%	73%	73%	65%	66%	64%	55%	18%	36%	41%
	783	965	1,151	1,245	1,570	2,036	2,276	2,113	3,088	3,097	3,088	3,499
Interest	3,747	4,177	5,069	7,578	9,151	10,558	11,830	12,314	12,496	11,640	12,224	12,797
Depreciation	82	102	112	99	90	95	124	148	156	199	136	140
Profit before tax	899	1,437	1,251	1,811	1,761	728	1,223	1,007	375	-5,441	-2,391	-1,197
Tax %	27%	27%	-0%	27%	27%	41%	48%	46%	50%	-38%	16%	13%
	656	1,050	1,255	1,334	1,285	440	656	558	207	-3,366	-2,742	-1,324
EPS in Rs	13.53	21.64	22.42	23.85	22.95	7.46	10.88	8.19	3.04	-28.08	-9.51	-4.28
Dividend Payout %	33%	23%	25%	23%	22%	15%	18%	6%	-0%	-0%	-0%	-0%

Compounded Sales Growth
10 Years:	12%
5 Years:	4%
3 Years:	3%
TTM:	5%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	52%

Stock Price CAGR
10 Years:	-20%
5 Years:	-13%
3 Years:	%
1 Year:	%

Return on Equity
10 Years:	-2%
5 Years:	-12%
3 Years:	-21%
Last Year:	-10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Equity Capital	485	485	560	560	560	590	603	681	681	1,199	2,884	3,096
Reserves	3,175	3,942	5,966	6,941	7,895	8,172	9,491	10,345	10,748	9,738	10,447	9,345
	62,730	83,529	99,783	114,078	134,922	155,073	170,371	184,057	204,343	226,405	230,168	226,863
	2,117	2,428	3,025	3,685	4,183	5,565	7,208	7,604	10,649	8,770	10,545	9,289
Total Liabilities	68,507	90,383	109,332	125,264	147,559	169,400	187,673	202,687	226,421	246,111	254,044	248,592
	323	338	311	314	318	407	1,234	1,317	1,496	1,476	1,565	1,496
CWIP	13	18	22	3	4	43	43	63	47	10	7	5
Investments	16,938	20,911	24,434	30,077	38,376	46,771	47,874	56,059	62,389	67,940	66,915	65,286
	51,234	69,116	84,565	94,871	108,861	122,179	138,522	145,248	162,489	176,686	185,557	181,805
Total Assets	68,507	90,383	109,332	125,264	147,559	169,400	187,673	202,687	226,421	246,111	254,044	248,592

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
	-528	5,520	-1,251	-982	-883	1,883	-3,035	7,801	9,572	-11,922	14,664	-7,534
	-197	-122	-68	-81	-95	-222	-238	-272	-161	-132	-76	-65
	318	482	611	-637	-637	1,153	1,327	-6,136	-600	10,332	-15,498	3,653
Net Cash Flow	-407	5,880	-709	-1,700	-1,615	2,815	-1,946	1,394	8,810	-1,722	-910	-3,946

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Debtor Days	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Inventory Days
Days Payable
Cash Conversion Cycle	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Working Capital Days	-29	-40	-17	-26	-21	-15	-49	-41	-70	-3	-32	-13
ROCE %	8%	7%	7%	8%	8%	7%	8%	7%	6%	3%	4%	5%

Shareholding Pattern

Numbers in percentages

	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020
	61.26%	69.77%	69.77%	77.99%	77.99%	77.99%	84.83%	90.85%	87.81%	87.81%	87.81%	88.25%
	6.31%	4.86%	4.97%	2.69%	2.27%	2.33%	1.75%	1.00%	0.91%	0.83%	0.71%	0.62%
	15.66%	12.31%	12.70%	9.54%	9.25%	8.42%	5.82%	3.51%	3.31%	3.32%	3.36%	3.21%
	16.77%	13.06%	12.56%	9.78%	10.49%	11.26%	7.61%	4.64%	7.97%	8.04%	8.13%	7.92%
No. of Shareholders	2,27,159	2,23,133	2,12,875	2,20,366	2,23,587	2,24,851	2,25,853	2,24,806	2,39,207	2,39,460	2,39,757	2,38,812

	Mar 2017	Mar 2018	Mar 2019	Mar 2020
	61.26%	77.99%	90.85%	88.25%
	5.51%	2.69%	1.00%	0.62%
	15.30%	9.54%	3.51%	3.21%
	17.93%	9.78%	4.64%	7.92%
No. of Shareholders	2,31,792	2,20,366	2,24,806	2,38,812

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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