Andhra Bank

NSE: ANDHRABANK | BSE: 532418 | ISIN: INE434A01013 |Industry: Banks
|Await Turnaround
Durability score
30 /100
Valuation score
38 /100
Momentum score
35.1 /100
Market Capitalizati...
5,670.5 Cr.
Price to Book Value
0.4
PE TTM Price to Ear...
-2.6

Peer Group

StockCurrent Price RsPE TTM Price to EarningsMarket Capitalization in CrDividend yield 1yr %Net Profit Qtr CrNet Profit Annual Growth YoY %Operating Revenues Qtr CrRevenue Growth Qtr YoYPrice to Book Value
Andhra Bank 19.00-2.585670.530.0051.5618.364962.139.600.43
HDFC Bank Ltd.
Market Leader
2211.3554.83604317.730.905568.1620.5427391.5921.484.05
Kotak Mahindra Bank ..
Market Runner Up
1448.3036.86276529.710.081926.8515.828314.1920.444.79
ICICI Bank Ltd. 400.6547.96258565.490.251908.03-50.3717980.0622.132.46
State Bank of India 273.9523.26244489.420.003383.79173.2965594.427.181.17
Axis Bank Ltd. 640.4531.38167765.880.161370.081596.3815254.9519.392.52
IndusInd Bank Ltd. 1332.6021.7480374.440.561432.50-8.466961.3737.363.05
Bandhan Bank Ltd. 446.5024.5453271.740.67701.1445.032120.5636.274.76
All values except ratios in INR(Crores)
IndicatorJun-2019Mar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Graph
Total Revenue Qtr cr 5,437.0 5,313.5 5,322.3 5,249.3 5,092.1 5,092.6 5,093.4 5,005.3 5,155.2
Operating Expenses Qtr Cr 949.7 993.8 994.4 924.9 817.0 841.0 886.1 794.1 824.7
Operating Profit Qtr Cr 700.9 827.6 703.9 803.5 643.1 879.5 786.1 707.1 616.3
Operating Profit Margin Qtr % 14.12% 17.05% 14.67% 16.9% 14.2% 19.09% 17.28% 16.01% 14.0%
Depreciation Qtr Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Interest Qtr Cr 3,311.5 3,031.5 3,098.4 3,026.8 3,067.4 2,885.4 2,877.1 2,916.3 2,961.0
Profit Before Tax Qtr Cr 134.7 -1,223.6 -423.6 -264.1 -499.8 -4,063.1 -1,093.0 -373.1 68.4
Tax Qtr Cr 83.2 10.0 155.0 170.0 40.0 -1,527.3 -561.0 12.0 28.0
Net Profit Qtr Cr 51.6 -1,233.6 -578.6 -434.1 -539.8 -2,535.8 -532.0 -385.1 40.4
Basic EPS Qtr Rs 0.2 -6.9 -3.4 -3.6 -4.5 -28.6 -6.1 -4.8 0.6
Net profit TTM Cr -2,194.7 -2,786.1 -4,088.3 -4,041.8 -3,992.8 -3,412.5 -841.6 -252.8 183.7
Basic EPS TTM Rs -7.4 -9.7 -23.5 -33.7 -33.3 -28.5 -9.6 -2.9 2.7
Quarterly Operating Revenues Qtr Cr Analysis
Operating Revenues Qtr Cr growth is stable compared to historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is stable compared to historical averages.
IndicatorJun-2019Mar-2019Jun-2018Graph
Total Revenue Qtr cr 5,723.6 5,813.1 5,315.6
Operating Expenses Qtr Cr 1,234.5 1,465.1 1,043.2
Operating Profit Qtr Cr 488.0 425.9 480.3
Operating Profit Margin Qtr % 9.69% 8.65% 10.46%
Depreciation Qtr Cr 0.0 0.0 0.0
Interest Qtr Cr 3,311.7 3,031.6 3,067.5
Profit Before Tax Qtr Cr 117.3 -1,199.8 -502.7
Tax Qtr Cr 83.4 9.8 40.3
Net Profit Qtr Cr 33.9 -1,209.6 -543.0
Basic EPS Qtr Rs 0.1 -6.7 -4.5
Net profit TTM Cr
Basic EPS TTM Rs -3.9 -6.1 -4.5
Quarterly Operating Revenues Qtr Cr Analysis
Quarterly Net Profit Qtr Cr Analysis
All values except ratios in INR(Crores)
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 21,322.2 20,977.3 20,346.6 20,335.7 19,199.1 17,868.4 15,630.2 13,957.1 12,198.7 9,188.2
Operating Expenses Annual Cr 3,862.8 3,730.1 3,345.8 3,452.0 2,925.4 2,739.4 2,309.9 2,037.2 1,804.2 1,704.9
Operating Profit Annual in Cr 3,035.8 15,333.4 14,824.0 14,727.4 14,853.0 13,749.1 12,077.4 10,956.1 9,628.4 6,693.8
Operating Profit Margin Annual % 73.1% 72.86% 72.42% 77.36% 76.95% 77.27% 78.5% 78.93% 72.85%
Total Expenses Annual Cr 23,763.4 23,759.1 20,161.4 18,659.3 17,230.0 15,194.6 12,668.0 10,854.0 7,921.2
EBIDT Annual Cr 5,154.5 5,556.3 4,539.9 4,103.7 3,418.4 2,850.2 2,850.9 2,908.9 2,520.5
EBIDT margin Annual % 24.57% 27.31% 22.32% 21.37% 19.13% 18.24% 20.43% 23.85% 27.43%
Depreciation Cr 0.0 131.4 195.3 151.9 143.7 120.0 90.0 83.6 93.9 107.4
PAT Before ExtraOrdinary Items Annual Cr -2,786.1 -3,412.5 174.3 539.8 638.4 435.6 1,289.1 1,344.7 1,267.1
Net Profit Annual Cr -2,194.7 -2,786.1 -3,412.5 174.3 539.8 638.4 435.6 1,289.1 0.0 0.0
Basic EPS Annual Rs -21.7 -42.1 2.6 8.6 10.8 7.7 23.0 24.0 26.1
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is stable compared to historical averages.
Average Total Revenue Annual Cr
1 Year:
20,977.26 Cr
3 Years:
20,553.19 Cr
5 Years:
19,745.44 Cr
7 Years:
18,330.64 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is higher than historical averages.
Average Net Profit Annual Cr
1 Year:
-2,786.13 Cr
3 Years:
-2,008.11 Cr
5 Years:
-969.21 Cr
7 Years:
-445.91 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing faster than historical averages.
Average ROE Annual %
1 Year:
-21.16 %
3 Years:
-17.06 %
5 Years:
-7.98 %
7 Years:
-2.81 %
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 0.0 22,291.0 21,305.5 21,303.9 19,910.9 18,787.9 16,432.9 14,542.3 12,608.7 9,452.6
Operating Expenses Annual Cr 0.0 5,005.8 4,285.2 4,404.6 3,633.7 3,653.1 3,119.5 2,633.4 2,233.4 1,985.6
Operating Profit Annual in Cr 0.0 14,332.9 14,122.8 13,969.3 14,312.2 12,982.0 11,372.8 10,428.4 9,227.3 6,428.4
Operating Profit Margin Annual % 64.3% 66.29% 65.57% 71.88% 69.1% 69.21% 71.71% 73.18% 68.01%
Total Expenses Annual Cr 25,058.1 24,699.8 21,116.1 19,368.8 18,146.2 16,004.0 13,264.9 11,284.1 8,202.1
EBIDT Annual Cr 5,196.8 5,579.9 4,558.8 4,111.4 3,428.4 2,850.5 2,847.4 2,896.2 2,509.2
EBIDT margin Annual % 23.31% 26.19% 21.4% 20.65% 18.25% 17.35% 19.58% 22.97% 26.54%
Depreciation Cr 0.0 135.8 199.4 155.6 147.7 123.6 95.2 89.8 98.9 111.5
PAT Before ExtraOrdinary Items Annual Cr -2,767.1 -3,394.4 187.8 542.1 641.7 428.9 1,277.4 1,324.6 1,250.5
Net Profit Annual Cr 0.0 -2,767.1 -3,394.4 187.8 542.1 641.7 428.9 1,277.4 1,329.5 1,250.5
Basic EPS Annual Rs -21.7 -38.4 3.0 8.9 11.1 7.8 23.0 23.9 25.8
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is stable compared to historical averages.
Average Total Revenue Annual Cr
1 Year:
22,290.97 Cr
3 Years:
21,633.44 Cr
5 Years:
20,719.83 Cr
7 Years:
19,224.91 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is higher than historical averages.
Average Net Profit Annual Cr
1 Year:
-2,767.1 Cr
3 Years:
-1,991.23 Cr
5 Years:
-957.98 Cr
7 Years:
-440.51 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing faster than historical averages.
Average ROE Annual %
1 Year:
-20.56 %
3 Years:
-16.51 %
5 Years:
-7.59 %
7 Years:
-2.54 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 45.6 90.2 166.9 161.4 166.9 148.2 150.8 133.7 116.0
RoA Annual % -1.11% -1.4% 0.07% 0.26% 0.34% 0.26% 0.88% 0.0% 0.0%
ROE Annual % -21.16% -31.54% 1.53% 4.91% 6.34% 4.98% 15.27% 0.0% 0.0%
ROCE Annual % 7.09% 7.17% 7.83% 8.34% 8.39% 8.13% 8.31% 8.55% 7.04%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 0.8 1.7 0.8 0.9 1.5 1.5 1.3 1.1 1.2
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is lower than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
45.64 Rs
3 Years:
100.92 Rs
5 Years:
126.22 Rs
7 Years:
132.88 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing faster than historical averages.
Average RoA Annual %
1 Year:
-1.11 %
3 Years:
-0.81 %
5 Years:
-0.37 %
7 Years:
-0.1 %
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 46.2 91.2 167.8 161.9 167.4 148.6 151.1 134.0 116.6
RoA Annual % -1.07% -1.36% 0.09% 0.27% 0.34% 0.25% 0.87% 1.06% 1.14%
ROE Annual % -20.56% -30.77% 1.81% 5.06% 6.49% 5.02% 15.19% 17.79% 19.23%
ROCE Annual % 7.1% 7.17% 7.83% 8.34% 8.39% 8.13% 8.31% 8.53% 7.02%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 0.8 1.7 0.8 0.9 1.5 1.5 1.3 1.1 1.2
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is lower than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
46.22 Rs
3 Years:
101.74 Rs
5 Years:
126.91 Rs
7 Years:
133.46 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing faster than historical averages.
Average RoA Annual %
1 Year:
-1.07 %
3 Years:
-0.78 %
5 Years:
-0.35 %
7 Years:
-0.09 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 13,165.1 10,818.3 11,366.7 10,994.4 10,064.1 8,737.5 8,441.2 7,479.4 6,492.4
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr
Total Current Liabilities Annual Cr 6,047.2 5,013.6 6,463.0 4,949.4 4,786.8 3,573.3 2,942.8 2,974.2 2,612.3
Total Capital Plus Liabilities Annual Cr 249,311.4 242,171.4 222,126.1 199,961.8 185,170.3 167,340.9 146,298.9 124,545.4 108,900.7
Fixed Assets Annual Cr 1,558.1 1,473.3 1,530.7 1,368.4 1,263.6 433.9 303.5 302.6 317.5
Total Non Current Assets Annual Cr
Total Current Assets Annual Cr 184,800.2 175,927.8 160,897.9 144,729.1 137,407.3 121,550.4 108,363.1 94,613.9 84,379.2
Total Assets Annual Cr 249,311.4 242,171.4 222,126.1 199,961.8 185,170.3 167,340.9 146,298.9 124,545.4 108,900.7
Contingent Liabilities plus Commitments Annual Cr 203,677.3 0.0 111,024.1 36,654.3 49,681.5 34,840.6 22,698.5 34,538.7 31,157.4
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr
Current Investments Unquoted BookValue Annual Cr
Annual Long Term Debt To Equity Annual Analysis
Long Term Debt To Equity Annual growth is lower than historical averages.
Average Long Term Debt To Equity Annual
1 Year:
0.78
3 Years:
1.08
5 Years:
1.13
7 Years:
1.21
Annual Total Assets Annual Cr Analysis
Total Assets Annual Cr growth is lower than historical averages.
Average Total Assets Annual Cr
1 Year:
249,311.42 Cr
3 Years:
237,869.64 Cr
5 Years:
219,748.2 Cr
7 Years:
201,768.7 Cr
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 13,331.7 10,936.3 11,429.2 11,026.2 10,094.2 8,761.2 8,454.1 7,500.9 6,525.1
Minority Interest Liability Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Total Non Current Liabilities Annual Cr
Total Current Liabilities Annual Cr 10,544.7 8,769.9 9,674.3 7,603.7 7,208.1 5,565.0 4,183.0 4,103.9 3,024.5
Total Capital Plus Liabilities Annual Cr 254,044.0 246,111.3 225,446.3 202,687.0 187,673.1 169,399.6 147,559.3 125,683.2 109,332.5
Fixed Assets Annual Cr 1,572.3 1,485.4 1,542.7 1,380.0 1,277.6 449.8 322.2 316.3 333.4
Total Non Current Assets Annual Cr
Total Current Assets Annual Cr 185,556.9 176,686.0 161,514.6 145,247.7 138,521.9 122,178.8 108,861.1 95,289.8 84,565.3
Total Assets Annual Cr 254,044.0 246,111.3 225,446.3 202,687.0 187,673.1 169,399.6 147,559.3 125,683.2 109,332.5
Contingent Liabilities plus Commitments Annual Cr 203,733.0 157,629.4 111,081.7 36,715.1 49,738.1 34,906.0 4,328.7 34,398.0 31,262.5
Bonus Equity Share Capital Annual Cr 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr
Current Investments Unquoted BookValue Annual Cr