Fincare Small Finance Bank Ltd.

SECTOR: Bank - Private  948   0   0

The company is currently not listed and is under IPO, so all the data might not be available.

Peer Comparison

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

Ratios

Sales Growth

Profit Growth

ROE%

ROCE %

ROA%

Net NPA%

 NIM

Debt/Equity

Price to Cash Flow

0

CAR %

0

Cost of Liabilities %

0

PEG Ratio

NaN

Advances Growth %

 Strengths

  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0%.
  • Cost to Income ratio stands at 0 %
  • The company has delivered good Income growth of 85.6025373599838% over the past 3 years.
  • Strong Advances growth of 83.6701596045874% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0%
  • CASA Growth of 0% YoY, which is very low.
  • Company has a low ROE of 0% over the last 3 years.
  • Company has a poor NIM of 0% for the last 3 years.
  • Low CASA Ratio of 0%.
  • Increase in Provision and contingencies of 240.95717884131% on YoY.

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 167.39 314.08 605.26 1070.26
Other Income 18.15 36.53 69.73 145.46
Interest Expended 65.59 118.91 229.07 451.5
Operating Expenses 102.34 178.05 295.92 426.13
Total Provisions 10.88 143.49 39.7 135.36
Profit Before Tax 6.73 -89.84 110.3 202.73
Taxes -1.95 7.71 8.32 59.28
Net Profit 8.68 -97.55 101.98 143.45
Adjusted EPS (Rs.) 2.32 -26.04 18.07 22.55

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 37.46 37.46 56.44 63.61
Total Reserves 397.64 300.09 609.56 840.16
Deposits 0 727.1 2043.21 4653.93
Borrowings 631.1 1068.98 1283.07 1368.16
Other Liabilities 131.58 140.49 179.46 190.41
Total Liabilities 1197.78 2274.12 4171.74 7116.27
Assets
Balance with RBI 0.73 47.65 141.91 1058.53
Balance with Banks 309.14 203.86 379.67 24.37
Investments 0 272.71 700.86 1006.96
Advances 777.2 1629.6 2764.69 4815.58
Net Block 8.74 21.83 33.04 40.36
Other Assets 101.91 98 151.54 170.47
Total Assets 1197.78 2274.12 4171.74 7116.27
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

X