ScoreWhy is South Indian Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 1.43%
2
The Bank has a high Capital Adequacy Ratio of 15.90% signifying high buffers against its risk based assets
3
Healthy long term growth as Net profit has grown by an annual rate of 88.03%
4
Positive results in Mar 26
- GROSS NPA(Q) Lowest at 1.43%
- NET NPA(Q) Lowest at 0.29%
- NII(Q) Highest at Rs 915.33 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 69.05%, its profits have risen by 11.7% ; the PEG ratio of the company is 0.6
6
High Institutional Holdings at 36.97%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.23% over the previous quarter.
7
Market Beating performance in long term as well as near term
- Along with generating 69.05% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to South Ind.Bank should be less than 10%
- Overall Portfolio exposure to Private 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 Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is South Ind.Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
South Ind.Bank
69.05%
1.73
40.02%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.55%
Net Profit Growth (5y)
88.03%
Advance to Deposit
75.97%
Capital Adequacy Ratio (Tier 1)
15.90%
Gross NPA (latest)
1.43%
Gross NPA (avg)
4.03%
Coverage Ratio (avg)
67.34%
Cost to Income (avg)
59.50%
Net Interest Margin (avg)
2.97%
Operating Profit to Assets (avg)
4.03%
ROA (avg)
0.75%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.97
PEG Ratio
0.63
Dividend Yield
0.98%
ROE (Latest)
13.22%
ROA (Latest)
1.05%
Net NPA to Book Value
2.61
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
GROSS NPA(Q)
Lowest at 1.43%
CREDIT DEPOSIT RATIO(HY)
Highest at 80.47%
NET NPA(Q)
Lowest at 0.29%
NII(Q)
Highest at Rs 915.33 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 6,182.95 cr
INTEREST EARNED(Q)
Highest at Rs 2,559.48 cr
PBDIT(Q)
Highest at Rs 195.34 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.63%
PBT LESS OI(Q)
Highest at Rs 160.95 cr.
PAT(Q)
Highest at Rs 407.50 cr.
EPS(Q)
Highest at Rs 1.56
-4What is not working for the Company
NON-OPERATING INCOME(Q)
is 70.57 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for South Ind.Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 160.95 cr has Grown at 296.5% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -81.91 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.43% 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 0.29% 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 915.33 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 80.47% 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 2,559.48 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 195.34 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.63%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 160.95 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 407.50 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.56
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 6,182.95 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CAR - Quarterly
Highest at 19.66%
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 South Ind.Bank
Non Operating Income - Quarterly
is 70.57 % 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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