Compare The Bank of Saga Ltd. with Similar Stocks
Dashboard
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 25.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
Flat results in Dec 25
3
With ROA of 0.23%, it has a very attractive valuation with a 0.32 Price to Book Value
4
Market Beating performance in long term as well as near term
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
19.12%
0%
19.12%
6 Months
56.53%
0%
56.53%
1 Year
98.53%
0%
98.53%
2 Years
115.62%
0%
115.62%
3 Years
193.73%
0%
193.73%
4 Years
207.87%
0%
207.87%
5 Years
206.67%
0%
206.67%
The Bank of Saga Ltd. for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
6.40%
EBIT Growth (5y)
27.40%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
20.25%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.32
EV to EBIT
-20.86
EV to EBITDA
-18.39
EV to Capital Employed
1.68
EV to Sales
-6.05
PEG Ratio
0.23
Dividend Yield
0.02%
ROCE (Latest)
-8.07%
ROE (Latest)
6.44%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
No Trend
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Quarterly Results Snapshot (Standalone) - Jun'06 - YoY
Jun'06
Jun'05
Change(%)
Interest Earned
8,257.00
8,125.00
1.62%
Operating Profit (PBDIT)
2,347.00
2,385.00
-1.59%
% of Net NPAs
0.00%
0.00%
% of Gross NPAs
0.00%
0.00%
Exceptional Items
-18.00
0.00
Net Profit
1,404.00
1,437.00
-2.30%
USD in Million.
Interest Earned
YoY Growth in quarter ended Jun 2006 is 1.62% vs -3.57% in Jun 2005
Net Profit
YoY Growth in quarter ended Jun 2006 is -2.30% vs 16.83% in Jun 2005
Annual Results Snapshot (Standalone) - Mar'06
Mar'06
Mar'05
Change(%)
Interest Earned
32,644.00
33,097.00
-1.37%
Operating Profit (PBDIT)
12,237.00
12,731.00
-3.88%
% of Net NPAs
68.70%
82.50%
-1.38%
% of Gross NPAs
68.70%
82.50%
-1.38%
Exceptional Items
-675.00
-1,047.00
35.53%
Net Profit
4,624.00
5,108.00
-9.48%
USD in Million.
Interest Earned
YoY Growth in year ended Mar 2006 is -1.37% vs -4.85% in Mar 2005
Net Profit
YoY Growth in year ended Mar 2006 is -9.48% vs 129.78% in Mar 2005
About The Bank of Saga Ltd. 
The Bank of Saga Ltd.
Regional Banks
No Details Available.
Company Coordinates 
No Company Details Available






