ScoreWhy is South Indian Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 2.93%
2
Strong Long Term Fundamental Strength with a 70.72% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 70.72%
4
With ROA of 1, it has a Fair 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 54.20%, its profits have risen by 12% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 29.83%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.15% over the previous quarter.
6
Market Beating performance in long term as well as near term
- Along with generating 54.20% 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 buy?
- 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
54.2%
1.54
35.26%
Sensex
4.78%
0.39
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.06%
Net Profit Growth (5y)
70.72%
Advance to Deposit
74.06%
Capital Adequacy Ratio (Tier 1)
14.77%
Gross NPA (latest)
2.93%
Gross NPA (avg)
4.92%
Coverage Ratio (avg)
64.09%
Cost to Income (avg)
59.26%
Net Interest Margin (avg)
2.95%
Operating Profit to Assets (avg)
4.07%
ROA (avg)
0.62%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
0.98
PEG Ratio
0.64
Dividend Yield
1.00%
ROE (Latest)
12.76%
ROA (Latest)
1.00%
Net NPA to Book Value
4.76
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
GROSS NPA(Q)
Lowest at 2.93%
NET NPA(Q)
Lowest at 0.56%
DPS(Y)
Highest at Rs 0.40
INTEREST EARNED(Q)
Highest at Rs 2,407.05 cr
PAT(Q)
Highest at Rs 351.37 cr.
EPS(Q)
Highest at Rs 1.34
-9What is not working for the Company
NII(Q)
Lowest at Rs 808.78 cr
PBDIT(Q)
Lowest at Rs 19.83 cr.
OPERATING PROFIT TO NET SALES(Q)
Lowest at 0.82%
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 4,964.83 cr
NON-OPERATING INCOME(Q)
is 109.20 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for South Ind.Bank
Gross NPA - Quarterly
Lowest at 2.93% 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 0.56% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Interest Earned - Quarterly
Highest at Rs 2,407.05 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 351.37 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.34
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Dividend per Share (DPS) - Annually
Highest at Rs 0.40
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Here's what is not working for South Ind.Bank
Net Interest Income (Quarterly)
Lowest at Rs 808.78 cr and Fallen
each quarter in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 19.83 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 0.82% and Fallen
each quarter in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 109.20 % 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
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 4,964.83 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 17.70%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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