ScoreWhy is Canara Bank ?
1
Strong lending practices with low Gross NPA ratio of 1.57%
2
Strong Long Term Fundamental Strength with a 42.11% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 42.11%
4
The company has declared Positive results for the last 6 consecutive quarters
- GROSS NPA(Q) Lowest at 1.57%
- NII(Q) Highest at Rs 10,215.27 cr
- CREDIT DEPOSIT RATIO(HY) Highest at 79.28%
5
With ROA of 1, it has a Very Attractive valuation with a 1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.86%, its profits have risen by 7.9% ; the PEG ratio of the company is 0.8
6
High Institutional Holdings at 24.59%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Consistent Returns over the last 3 years
- Along with generating 20.86% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
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
20.86%
0.71
29.35%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.02%
Net Profit Growth (5y)
42.11%
Advance to Deposit
72.36%
Capital Adequacy Ratio (Tier 1)
13.93%
Gross NPA (latest)
1.57%
Gross NPA (avg)
4.11%
Coverage Ratio (avg)
72.40%
Cost to Income (avg)
46.83%
Net Interest Margin (avg)
2.49%
Operating Profit to Assets (avg)
3.84%
ROA (avg)
0.89%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
1.00
PEG Ratio
0.78
Dividend Yield
3.19%
ROE (Latest)
16.20%
ROA (Latest)
1.00%
Net NPA to Book Value
3.91
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 1.57%
NII(Q)
Highest at Rs 10,215.27 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 79.28%
NET NPA(Q)
Lowest at 0.36%
INTEREST EARNED(Q)
Highest at Rs 32,957.04 cr
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 102.61 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Canara Bank
Gross NPA - Quarterly
Lowest at 1.57% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 10,215.27 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.36% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 79.28% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Interest Earned - Quarterly
Highest at Rs 32,957.04 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
CAR - Quarterly
Highest at 17.17%
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
Non Operating Income - Quarterly
is 102.61 % 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
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