ScoreWhy is Canara Bank ?
1
Strong lending practices with low Gross NPA ratio of 2.08%
2
Strong Long Term Fundamental Strength with a 68.28% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 68.28%
4
The company has declared Positive results for the last 5 consecutive quarters
- GROSS NPA(Q) Lowest at 1.84%
- NET NPA(Q) Lowest at 0.43%
- NII(Q) Highest at Rs 9,807.97 cr
5
With ROA of 1.1, it has a Very Attractive valuation with a 1 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 32.46%, its profits have risen by 12.7% ; the PEG ratio of the company is 0.5
6
High Institutional Holdings at 25.14%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating Performance
- The stock has generated a return of 32.46% in the last 1 year, much higher than market (BSE500) returns of 4.62%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Canara Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Canara Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Canara Bank
32.46%
1.13
28.81%
Sensex
-4.33%
-0.32
13.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.60%
Net Profit Growth (5y)
49.64%
Advance to Deposit
68.28%
Capital Adequacy Ratio (Tier 1)
14.05%
Gross NPA (latest)
1.84%
Gross NPA (avg)
4.37%
Coverage Ratio (avg)
71.35%
Cost to Income (avg)
46.74%
Net Interest Margin (avg)
2.49%
Operating Profit to Assets (avg)
3.87%
ROA (avg)
0.84%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
1.04
PEG Ratio
0.48
Dividend Yield
3.09%
ROE (Latest)
16.94%
ROA (Latest)
1.05%
Net NPA to Book Value
4.60
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA(Q)
Lowest at 1.84%
NET NPA(Q)
Lowest at 0.43%
NII(Q)
Highest at Rs 9,807.97 cr
PBDIT(Q)
Highest at Rs 1,933.02 cr.
PBT LESS OI(Q)
Highest at Rs 941.21 cr.
-4What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 49,715.83 cr
PAT(Q)
At Rs 4,505.57 cr has Fallen at -8.4% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 83.68 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 4.97
Loading Valuation Snapshot...
Here's what is working for Canara Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 941.21 cr has Grown at 235.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -692.85 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.84% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.43% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 9,807.97 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,933.02 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 941.21 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
CAR - Quarterly
Highest at 17.04%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Canara Bank
Profit After Tax (PAT) - Quarterly
At Rs 4,505.57 cr has Fallen at -8.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 4,920.94 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 83.68 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 4.97
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 49,715.83 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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