Share Price and Basic Stock Data
Last Updated: October 28, 2025, 7:25 pm
| PEG Ratio | 0.08 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
South Indian Bank Ltd operates in the private sector banking industry, with a current market capitalization of ₹10,219 Cr and a share price of ₹39.00. The bank has demonstrated a steady revenue growth trajectory, with reported revenues increasing from ₹1,622 Cr in June 2022 to ₹2,129 Cr in September 2023. This upward trend continued with revenue reaching ₹2,275 Cr in March 2024, and projected at ₹2,314 Cr in June 2024. Over the past fiscal year, South Indian Bank recorded an annual revenue of ₹7,233 Cr for FY 2023, which is a notable recovery from the previous year’s ₹6,587 Cr. The bank is on track to achieve ₹9,413 Cr in FY 2025, indicating robust growth potential. This growth in revenue is supported by a rise in interest income, which stood at ₹4,221 Cr for FY 2023, compared to ₹4,347 Cr in FY 2022. Overall, the bank’s ability to enhance its top line reflects its strategic initiatives to capture market share in a competitive landscape.
Profitability and Efficiency Metrics
In terms of profitability, South Indian Bank reported a net profit of ₹775 Cr for FY 2023, a significant increase from ₹45 Cr in FY 2022. This trend is expected to continue, with a projected net profit of ₹1,303 Cr for FY 2025. The bank’s return on equity (ROE) improved to 12.89% in FY 2025 from just 1% in FY 2022, showcasing effective management of shareholder equity. The operating profit margin stood at 24.59% in FY 2025, reflecting improved operational efficiency. However, the bank’s financing profit remained negative at ₹45 Cr for FY 2025, a decline from ₹383 Cr in FY 2023, indicating challenges in managing interest expenses effectively. The cost-to-income ratio, at 57.15%, suggests a relatively high operational cost structure compared to industry norms, which typically hover around 50-55%. This ratio indicates that while revenue generation is strong, the efficiency in controlling costs requires improvement to enhance overall profitability.
Balance Sheet Strength and Financial Ratios
As of March 2025, South Indian Bank’s balance sheet reflects a total asset base of ₹124,655 Cr, an increase from ₹107,698 Cr in March 2023. The bank’s reserves stood at ₹9,846 Cr, demonstrating a solid capital foundation that supports its growth initiatives. The bank recorded a net interest margin of 2.79 in FY 2025, indicating an efficient spread between interest income and expenses. The bank’s gross non-performing assets (NPA) ratio improved to 3.20% in March 2025, down from 5.14% in March 2023, which is a positive signal regarding asset quality. However, the net NPA ratio, at 0.92%, is still higher than the sector average, indicating potential risks in credit quality. The price-to-book value ratio stood at 0.59, suggesting that the stock is undervalued compared to its book value, making it potentially attractive to value investors. Overall, while the balance sheet presents strengths in capital and asset growth, there are concerns regarding asset quality that need to be monitored closely.
Shareholding Pattern and Investor Confidence
South Indian Bank’s shareholding pattern reveals a diversified ownership structure, with public shareholders holding 71.31% as of June 2025. Foreign institutional investors (FIIs) have increased their stake to 17.58%, up from 7.82% in September 2022, indicating growing investor confidence in the bank’s recovery and growth prospects. Domestic institutional investors (DIIs) also raised their shareholding to 11.10%, suggesting institutional backing for the bank’s strategic direction. The number of shareholders rose significantly from 6,97,657 in September 2022 to 11,97,828 in June 2025, reflecting increasing retail interest. This broad base of support can provide stability for the stock, particularly during market volatility. However, the significant public shareholding also poses a risk of volatility in share price due to potential profit-taking by retail investors. Overall, the evolving shareholding dynamics reflect a positive outlook for investor sentiment towards South Indian Bank.
Outlook, Risks, and Final Insight
Looking ahead, South Indian Bank’s growth trajectory appears promising, supported by its improving revenue and profitability metrics. The bank’s focus on enhancing operational efficiency and asset quality remains vital to sustaining its growth. Key strengths include a strong increase in net profit and a diversified shareholder base, which can bolster market confidence. However, risks such as the negative financing profit and a net NPA ratio higher than the sector average could impede its progress. Additionally, the bank must navigate potential economic headwinds that could impact loan demand and asset quality. If the bank successfully addresses these challenges, it could enhance its market position further. Conversely, failure to improve operational efficiency and manage credit risks could dampen investor sentiment. Overall, while the outlook is optimistic, vigilant management of risks will be crucial for South Indian Bank’s sustained performance in the competitive banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of South Indian Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,546 Cr. | 306 | 396/180 | 29.6 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,467 Cr. | 28.5 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,290 Cr. | 285 | 331/250 | 9.65 | 304 | 1.40 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,315 Cr. | 22.7 | 24.3/16.0 | 25.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,377 Cr. | 53.6 | 54.6/30.8 | 24.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,651.78 Cr | 415.45 | 17.96 | 238.44 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,622 | 1,740 | 1,898 | 1,973 | 2,025 | 2,129 | 2,184 | 2,275 | 2,314 | 2,355 | 2,371 | 2,373 | 2,362 |
| Interest | 1,018 | 1,014 | 1,073 | 1,116 | 1,217 | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,501 | 1,505 | 1,530 |
| Expenses | 672 | 735 | 629 | 680 | 877 | 777 | 837 | 828 | 893 | 892 | 816 | 982 | 1,022 |
| Financing Profit | -69 | -9 | 196 | 177 | -70 | 53 | -18 | 47 | -27 | -9 | 54 | -113 | -189 |
| Financing Margin % | -4% | -0% | 10% | 9% | -3% | 3% | -1% | 2% | -1% | -0% | 2% | -5% | -8% |
| Other Income | 246 | 255 | -34 | 345 | 361 | 356 | 452 | 346 | 422 | 449 | 409 | 572 | 622 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 177 | 246 | 162 | 523 | 292 | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 |
| Tax % | 35% | 9% | 36% | 36% | 31% | 33% | 30% | 27% | 25% | 26% | 26% | 25% | 26% |
| Net Profit | 115 | 223 | 103 | 334 | 202 | 275 | 305 | 288 | 294 | 325 | 342 | 342 | 322 |
| EPS in Rs | 0.44 | 0.85 | 0.39 | 1.28 | 0.77 | 1.05 | 1.17 | 1.10 | 1.12 | 1.24 | 1.31 | 1.31 | 1.23 |
| Gross NPA % | 5.87% | 5.67% | 5.48% | 5.14% | 5.13% | 4.96% | 4.74% | 4.50% | 4.50% | 4.40% | 4.30% | 3.20% | 3.15% |
| Net NPA % | 2.87% | 2.51% | 2.26% | 1.86% | 1.85% | 1.70% | 1.61% | 1.46% | 1.44% | 1.31% | 1.25% | 0.92% | 0.68% |
Last Updated: August 1, 2025, 10:20 am
Below is a detailed analysis of the quarterly data for South Indian Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,530.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,505.00 Cr. (Mar 2025) to 1,530.00 Cr., marking an increase of 25.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,022.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 982.00 Cr. (Mar 2025) to 1,022.00 Cr., marking an increase of 40.00 Cr..
- For Other Income, as of Jun 2025, the value is 622.00 Cr.. The value appears strong and on an upward trend. It has increased from 572.00 Cr. (Mar 2025) to 622.00 Cr., marking an increase of 50.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 433.00 Cr.. The value appears to be declining and may need further review. It has decreased from 459.00 Cr. (Mar 2025) to 433.00 Cr., marking a decrease of 26.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 322.00 Cr.. The value appears to be declining and may need further review. It has decreased from 342.00 Cr. (Mar 2025) to 322.00 Cr., marking a decrease of 20.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.23. The value appears to be declining and may need further review. It has decreased from 1.31 (Mar 2025) to 1.23, marking a decrease of 0.08.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:16 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,015 | 5,286 | 5,557 | 5,847 | 6,193 | 6,877 | 7,764 | 7,305 | 6,587 | 7,233 | 8,613 | 9,413 | 9,461 |
| Interest | 3,616 | 3,920 | 4,048 | 4,172 | 4,227 | 4,857 | 5,446 | 4,899 | 4,347 | 4,221 | 5,281 | 5,928 | 6,009 |
| Expenses | 994 | 1,396 | 1,450 | 1,725 | 2,239 | 2,296 | 3,136 | 3,467 | 3,106 | 2,629 | 3,228 | 3,440 | 3,710 |
| Financing Profit | 405 | -30 | 59 | -50 | -274 | -276 | -818 | -1,060 | -866 | 383 | 104 | 45 | -258 |
| Financing Margin % | 8% | -1% | 1% | -1% | -4% | -4% | -11% | -15% | -13% | 5% | 1% | 0% | -3% |
| Other Income | 368 | 497 | 517 | 716 | 837 | 726 | 1,046 | 1,229 | 1,034 | 813 | 1,516 | 1,813 | 2,053 |
| Depreciation | 45 | -1 | 67 | 65 | 64 | 70 | 78 | 83 | 84 | 87 | 90 | 102 | 0 |
| Profit before tax | 729 | 468 | 510 | 600 | 500 | 380 | 150 | 87 | 84 | 1,108 | 1,529 | 1,757 | 1,795 |
| Tax % | 30% | 34% | 35% | 35% | 33% | 35% | 30% | 29% | 46% | 30% | 30% | 26% | |
| Net Profit | 508 | 307 | 333 | 392 | 335 | 248 | 105 | 62 | 45 | 775 | 1,070 | 1,303 | 1,331 |
| EPS in Rs | 2.27 | 1.37 | 1.48 | 1.74 | 1.48 | 1.09 | 0.46 | 0.24 | 0.17 | 2.96 | 4.09 | 4.98 | 5.09 |
| Dividend Payout % | 21% | 26% | 20% | 18% | 22% | 18% | 0% | 0% | 0% | 8% | 7% | 8% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -39.57% | 8.47% | 17.72% | -14.54% | -25.97% | -57.66% | -40.95% | -27.42% | 1622.22% | 38.06% | 21.78% |
| Change in YoY Net Profit Growth (%) | 0.00% | 48.04% | 9.25% | -32.26% | -11.43% | -31.69% | 16.71% | 13.53% | 1649.64% | -1584.16% | -16.29% |
South Indian Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 4% |
| 3 Years: | 13% |
| TTM: | 6% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 66% |
| 3 Years: | 208% |
| TTM: | 15% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 33% |
| 3 Years: | 55% |
| 1 Year: | 13% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 9% |
| 3 Years: | 13% |
| Last Year: | 14% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: October 10, 2025, 3:07 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 134 | 135 | 135 | 180 | 181 | 181 | 181 | 209 | 209 | 209 | 262 | 262 |
| Reserves | 3,236 | 3,457 | 3,711 | 4,668 | 5,062 | 5,156 | 5,296 | 5,600 | 5,645 | 6,465 | 8,565 | 9,846 |
| Deposits | 47,691 | 52,112 | 55,721 | 66,117 | 72,030 | 80,420 | 83,034 | 82,711 | 89,142 | 91,651 | 101,920 | 107,526 |
| Borrowing | 2,531 | 2,032 | 2,615 | 1,958 | 4,043 | 4,903 | 6,893 | 4,108 | 3,294 | 6,994 | 3,912 | 4,300 |
| Other Liabilities | 1,394 | 1,380 | 1,294 | 1,388 | 1,370 | 1,619 | 1,628 | 1,521 | 1,761 | 2,378 | 2,754 | 2,721 |
| Total Liabilities | 54,986 | 59,116 | 63,475 | 74,312 | 82,686 | 92,279 | 97,033 | 94,149 | 100,052 | 107,698 | 117,413 | 124,655 |
| Fixed Assets | 404 | 469 | 467 | 618 | 642 | 677 | 776 | 755 | 752 | 754 | 966 | 1,018 |
| CWIP | 8 | 10 | 20 | 38 | 39 | 32 | 24 | 40 | 59 | 124 | 0 | 0 |
| Investments | 14,352 | 14,086 | 14,744 | 19,430 | 18,363 | 19,081 | 20,625 | 20,321 | 21,445 | 24,642 | 23,977 | 21,777 |
| Other Assets | 40,222 | 44,551 | 48,244 | 54,226 | 63,642 | 72,489 | 75,608 | 73,033 | 77,796 | 82,178 | 92,469 | 101,860 |
| Total Assets | 54,986 | 59,116 | 63,475 | 74,312 | 82,686 | 92,279 | 97,033 | 94,149 | 100,052 | 107,698 | 117,413 | 124,655 |
Below is a detailed analysis of the balance sheet data for South Indian Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 262.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 262.00 Cr..
- For Reserves, as of Mar 2025, the value is 9,846.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,565.00 Cr. (Mar 2024) to 9,846.00 Cr., marking an increase of 1,281.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 2,721.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,754.00 Cr. (Mar 2024) to 2,721.00 Cr., marking a decrease of 33.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 124,655.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 117,413.00 Cr. (Mar 2024) to 124,655.00 Cr., marking an increase of 7,242.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,018.00 Cr.. The value appears strong and on an upward trend. It has increased from 966.00 Cr. (Mar 2024) to 1,018.00 Cr., marking an increase of 52.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 21,777.00 Cr.. The value appears to be declining and may need further review. It has decreased from 23,977.00 Cr. (Mar 2024) to 21,777.00 Cr., marking a decrease of 2,200.00 Cr..
- For Other Assets, as of Mar 2025, the value is 101,860.00 Cr.. The value appears strong and on an upward trend. It has increased from 92,469.00 Cr. (Mar 2024) to 101,860.00 Cr., marking an increase of 9,391.00 Cr..
- For Total Assets, as of Mar 2025, the value is 124,655.00 Cr.. The value appears strong and on an upward trend. It has increased from 117,413.00 Cr. (Mar 2024) to 124,655.00 Cr., marking an increase of 7,242.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 947.00 | -51.00 | -54.00 | -65.00 | -70.00 | -78.00 | -80.00 | -79.00 | -86.00 | -89.00 | -98.00 | -104.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 9% | 9% | 9% | 7% | 5% | 2% | 1% | 1% | 12% | 14% | 14% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Mahindra Manulife Flexi Cap Fund | 4,000,000 | 1.15 | 13.88 | 4,000,000 | 2025-04-22 17:25:18 | 0% |
| Mahindra Manulife ELSS Tax Saver Fund | 2,540,000 | 1.13 | 8.81 | 2,540,000 | 2025-04-22 01:45:44 | 0% |
| Mahindra Manulife Balanced Advantage Fund | 1,500,000 | 0.77 | 5.21 | 1,500,000 | 2025-04-22 17:25:18 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|
| Face Value | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 4.98 | 5.10 | 3.70 | 0.21 |
| Diluted EPS (Rs.) | 4.98 | 5.09 | 3.70 | 0.21 |
| Cash EPS (Rs.) | 5.37 | 4.44 | 4.12 | 0.61 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 38.63 | 33.74 | 31.89 | 27.97 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 38.63 | 33.74 | 31.89 | 27.97 |
| Operating Revenue / Share (Rs.) | 35.98 | 32.92 | 34.56 | 31.47 |
| Net Profit / Share (Rs.) | 4.98 | 4.09 | 3.70 | 0.21 |
| Net Profit After MI / Share (Rs.) | 4.98 | 4.09 | 3.70 | 0.21 |
| Net Profit Margin (%) | 13.84 | 12.42 | 10.71 | 0.68 |
| Net Profit After MI And SOA Nargin (%) | 13.84 | 12.42 | 10.71 | 0.68 |
| Operating Profit Margin (%) | 24.59 | 22.08 | 20.27 | 1.36 |
| Return On Assets (%) | 1.04 | 0.91 | 0.71 | 0.04 |
| Return On Equity / Networth (%) | 12.89 | 12.12 | 11.61 | 0.76 |
| Net Interest Margin (X) | 2.79 | 2.83 | 2.79 | 2.23 |
| Cost To Income (%) | 57.15 | 61.46 | 60.56 | 61.89 |
| Interest Income / Total Assets (%) | 7.55 | 7.33 | 6.71 | 6.58 |
| Non-Interest Income / Total Assets (%) | 1.45 | 1.28 | 0.75 | 1.03 |
| Operating Profit / Total Assets (%) | -0.40 | -0.37 | -0.03 | -0.98 |
| Operating Expenses / Total Assets (%) | 2.42 | 2.53 | 2.15 | 2.02 |
| Interest Expenses / Total Assets (%) | 4.75 | 4.49 | 3.91 | 4.34 |
| Enterprise Value (Rs.Cr.) | 112760.79 | 106310.36 | 97064.29 | 90333.37 |
| EV Per Net Sales (X) | 11.98 | 12.34 | 13.42 | 13.71 |
| Price To Book Value (X) | 0.59 | 0.80 | 0.45 | 0.26 |
| Price To Sales (X) | 0.64 | 0.82 | 0.42 | 0.23 |
| Retention Ratios (%) | 93.97 | 94.13 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.21 | 0.14 | 0.25 | 0.02 |
After reviewing the key financial ratios for South Indian Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 4.98. This value is below the healthy minimum of 5. It has decreased from 5.10 (Mar 24) to 4.98, marking a decrease of 0.12.
- For Diluted EPS (Rs.), as of Mar 25, the value is 4.98. This value is below the healthy minimum of 5. It has decreased from 5.09 (Mar 24) to 4.98, marking a decrease of 0.11.
- For Cash EPS (Rs.), as of Mar 25, the value is 5.37. This value is within the healthy range. It has increased from 4.44 (Mar 24) to 5.37, marking an increase of 0.93.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 38.63. It has increased from 33.74 (Mar 24) to 38.63, marking an increase of 4.89.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 38.63. It has increased from 33.74 (Mar 24) to 38.63, marking an increase of 4.89.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 4.98. This value is within the healthy range. It has increased from 4.09 (Mar 24) to 4.98, marking an increase of 0.89.
- For Net Profit Margin (%), as of Mar 25, the value is 13.84. This value exceeds the healthy maximum of 10. It has increased from 12.42 (Mar 24) to 13.84, marking an increase of 1.42.
- For Return On Assets (%), as of Mar 25, the value is 1.04. This value is below the healthy minimum of 5. It has increased from 0.91 (Mar 24) to 1.04, marking an increase of 0.13.
- For Retention Ratios (%), as of Mar 25, the value is 93.97. This value exceeds the healthy maximum of 70. It has decreased from 94.13 (Mar 24) to 93.97, marking a decrease of 0.16.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in South Indian Bank Ltd:
- Net Profit Margin: 13.84%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 7.5 (Industry average Stock P/E: 17.96)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 13.84%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | SIB House, Mission Quarters, Thrisoor Kerala 680001 | ho2006@sib.co.in http://www.southindianbank.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. V J Kurian | Chairman |
| Mr. P R Seshadri | Managing Director & CEO |
| Mr. Dolphy Jose | Executive Director |
| Mr. Paul Antony | Non Executive Director |
| Mr. Benny P Thomas | Non Executive Director |
| Mr. R A Sankara Narayanan | Independent Director |
| Mrs. Lakshmi Ramakrishna Srinivas | Independent Director |
| Mr. M George Korah | Independent Director |
| Mr. Pradeep M Godbole | Independent Director |
| Mr. Jose Joseph Kattoor | Independent Director |
FAQ
What is the intrinsic value of South Indian Bank Ltd?
South Indian Bank Ltd's intrinsic value (as of 28 October 2025) is 33.96 which is 12.92% lower the current market price of 39.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 10,184 Cr. market cap, FY2025-2026 high/low of 40.3/22.1, reserves of ₹9,846 Cr, and liabilities of 124,655 Cr.
What is the Market Cap of South Indian Bank Ltd?
The Market Cap of South Indian Bank Ltd is 10,184 Cr..
What is the current Stock Price of South Indian Bank Ltd as on 28 October 2025?
The current stock price of South Indian Bank Ltd as on 28 October 2025 is 39.0.
What is the High / Low of South Indian Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of South Indian Bank Ltd stocks is 40.3/22.1.
What is the Stock P/E of South Indian Bank Ltd?
The Stock P/E of South Indian Bank Ltd is 7.50.
What is the Book Value of South Indian Bank Ltd?
The Book Value of South Indian Bank Ltd is 40.6.
What is the Dividend Yield of South Indian Bank Ltd?
The Dividend Yield of South Indian Bank Ltd is 1.03 %.
What is the ROCE of South Indian Bank Ltd?
The ROCE of South Indian Bank Ltd is 6.50 %.
What is the ROE of South Indian Bank Ltd?
The ROE of South Indian Bank Ltd is 13.8 %.
What is the Face Value of South Indian Bank Ltd?
The Face Value of South Indian Bank Ltd is 1.00.