Fincare Small Financ
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Fincare Small Financ share price

Fincare Small Finance Bank Ltd.

SECTOR: Bank - Private  2745   1   0

The company is currently not listed and is under IPO, so all the data might not be available.
*It is just an analytical rating of the company and not an investment advice.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

Ratios

ROE%

1 Year8.31%
3 Year6.96%
5 Year11.9%

ROA%

1 Year0.89%
3 Year0.83%
5 Year1.64%

Net NPA%

1 Year1.3%
3 Year2.55%
5 Year1.68%

 NIM

1 Year9.09%
3 Year8.86%
5 Year9%

CAR %

20.04

Cost of Liabilities %

6.0429262933554

PEG Ratio

0

Advances Growth %

23.6673114053954

 Strengths

  • The company has been consistently maintaining a NIM of 8.8601782391144% since last 3 years.
  • Good Capital Adequacy Ratio of 20.04%.
  • Strong Advances growth of 21.8046250495986% in the last 3 years.

 Limitations

  • CASA Growth of -3.2381916290258% YoY, which is very low.
  • Company has a low ROE of 6.96408336370122% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.55%.
  • High Cost to income ratio of 66.3607975273342%.
  • The company has delivered poor Profit Growth of -10.2687576484847% over the past 3 years.

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 605.26 1070.26 1251.06 1448.57 1744.12
Other Income 69.73 145.46 125.65 196.16 226.68
Interest Expended 229.07 451.5 550.05 569.78 653.68
Operating Expenses 295.92 426.13 463.28 646.8 874.05
Total Provisions 29.11 145.95 216.96 422.41 317.72
Profit Before Tax 120.89 192.14 146.42 5.75 125.35
Taxes 18.91 48.69 33.28 -3.13 21.71
Net Profit 101.98 143.45 113.14 8.87 103.64
Adjusted EPS (Rs.) 18.07 22.55 17.79 0.4 4.69

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 56.44 63.61 63.61 220.78 220.78
Total Reserves 609.56 840.16 953.29 974.71 1078.35
Deposits 2043.21 4653.93 5318.5 6456.17 8033.19
Borrowings 1283.07 1368.16 1400.43 2943.54 2784
Other Liabilities 179.46 190.41 230.24 299.99 336.79
Total Liabilities 4171.74 7116.27 7967.07 10901.57 12467.69
Assets
Balance with RBI 141.91 1058.53 1036.5 1116.79 654.38
Balance with Banks 379.67 24.37 119.13 119.17 117.81
Investments 700.86 1006.96 1279.36 2151.63 2522.84
Advances 2764.69 4815.58 5301.12 7036.96 8702.42
Net Block 33.04 40.36 36.19 42.34 56.31
Other Assets 151.54 170.47 194.77 434.68 413.94
Total Assets 4171.74 7116.27 7967.07 10901.57 12467.69
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Last Updated on:
Brief about Fincare Small Financ
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