Share Price and Basic Stock Data
Last Updated: December 27, 2025, 10:09 pm
| PEG Ratio | 0.07 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
South Indian Bank Ltd operates within the private sector banking industry, showcasing a robust market capitalization of ₹9,851 Cr and a current share price of ₹37.6. The bank reported a significant upward trend in revenue, with total revenue rising from ₹1,622 Cr in June 2022 to ₹2,129 Cr by September 2023. This upward trajectory continued with revenues expected to reach ₹2,275 Cr in March 2024. The bank’s total revenue for the fiscal year ending March 2025 is reported at ₹9,413 Cr, marking a substantial growth from ₹7,233 Cr in March 2023. This consistent revenue growth reflects the bank’s effective strategies in harnessing customer deposits and increasing its lending portfolio, although the interest income fluctuated, indicating some volatility in financing profit margins over the periods. The bank’s ability to adapt to changing market conditions and regulatory frameworks has contributed to these positive revenue trends, positioning it favorably within the highly competitive private banking sector.
Profitability and Efficiency Metrics
South Indian Bank’s profitability metrics indicate a positive shift, with a reported net profit of ₹1,357 Cr for the trailing twelve months (TTM), up from ₹775 Cr in the previous year. The earnings per share (EPS) rose significantly from ₹2.96 in March 2023 to ₹4.98 in March 2025, suggesting improved profitability on a per-share basis. The return on equity (ROE) stood at 13.8%, while the return on capital employed (ROCE) was recorded at 6.50%. While these metrics reflect a strengthening of profitability, the financing profit margin has shown volatility, with a negative margin recorded in several quarters, including a decline to -189 in June 2025. The bank’s net profit margin also improved to 13.84% in March 2025, up from 10.71% the previous year. However, the cost-to-income ratio of 57.15% indicates room for operational efficiency improvements, particularly in managing expenses relative to income generation.
Balance Sheet Strength and Financial Ratios
As of March 2025, South Indian Bank reported total assets of ₹124,655 Cr, reflecting a steady increase from ₹107,698 Cr in March 2023. Reserves also increased significantly, standing at ₹10,374 Cr, indicating a solid capital base. The bank’s borrowings were reported at ₹4,300 Cr, which is a slight increase from ₹3,294 Cr in March 2022. The bank’s equity capital was stable at ₹262 Cr, with a book value per share of ₹38.63, up from ₹31.89 in March 2023. The price-to-book value ratio stood at 0.59, suggesting the stock is trading below its book value, potentially indicating undervaluation. The gross and net non-performing asset (NPA) ratios have improved significantly, with gross NPAs decreasing to 3.20% and net NPAs to 0.92% by March 2025, showcasing effective asset quality management. These figures highlight the bank’s financial stability, although the low ROCE suggests the need for improved capital utilization.
Shareholding Pattern and Investor Confidence
South Indian Bank’s shareholding structure reveals a diverse ownership profile, with public shareholders holding 70.16%, foreign institutional investors (FIIs) at 17.91%, and domestic institutional investors (DIIs) at 11.92%. The number of shareholders has seen a steady increase, standing at 11,81,505 as of September 2025, reflecting growing investor interest. FIIs have gradually increased their stake from 14.88% in December 2022 to 17.91% in September 2025, indicating rising confidence among international investors. Conversely, DIIs showed a more fluctuating trend, with their stake peaking at 11.10% in June 2025 before slightly declining. The increasing public shareholding, along with the stable institutional backing, suggests a healthy investor sentiment towards the bank, although the decline in DIIs may warrant attention. This diverse ownership may provide the bank with a buffer against market volatility and enhance its strategic decision-making capabilities.
Outlook, Risks, and Final Insight
Looking ahead, South Indian Bank appears well-positioned for continued growth, driven by its improving profitability metrics and robust asset quality. However, risks remain, particularly related to the volatility in financing profit margins and the bank’s need for operational efficiency, as indicated by its cost-to-income ratio. The competitive landscape of the Indian banking sector, characterized by increasing digitalization and regulatory pressures, may pose challenges. Additionally, fluctuations in interest rates could impact the bank’s net interest income adversely. In a scenario where the bank successfully enhances its operational efficiency and maintains its asset quality, it could see significant improvements in profitability and shareholder returns. Conversely, failure to address these operational and market challenges might hinder its growth trajectory. Overall, South Indian Bank’s strong fundamentals and strategic initiatives provide a solid foundation for future performance, but careful navigation of the outlined risks will be crucial.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,103 Cr. | 253 | 345/180 | 26.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,353 Cr. | 26.2 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,202 Cr. | 265 | 331/250 | 8.89 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,524 Cr. | 21.5 | 24.3/16.0 | 23.8 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,280 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,072.96 Cr | 415.77 | 18.32 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,740 | 1,898 | 1,973 | 2,025 | 2,129 | 2,184 | 2,275 | 2,314 | 2,355 | 2,371 | 2,373 | 2,362 | 2,407 |
| Interest | 1,014 | 1,073 | 1,116 | 1,217 | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,501 | 1,505 | 1,530 | 1,598 |
| Expenses | 735 | 629 | 680 | 877 | 777 | 837 | 828 | 893 | 852 | 816 | 982 | 1,022 | 852 |
| Financing Profit | -9 | 196 | 177 | -70 | 53 | -18 | 47 | -27 | 30 | 54 | -113 | -189 | -43 |
| Financing Margin % | -0% | 10% | 9% | -3% | 3% | -1% | 2% | -1% | 1% | 2% | -5% | -8% | -2% |
| Other Income | 255 | -34 | 345 | 361 | 356 | 452 | 346 | 422 | 410 | 409 | 572 | 622 | 516 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 246 | 162 | 523 | 292 | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 | 472 |
| Tax % | 9% | 36% | 36% | 31% | 33% | 30% | 27% | 25% | 26% | 26% | 25% | 26% | 26% |
| Net Profit | 223 | 103 | 334 | 202 | 275 | 305 | 288 | 294 | 325 | 342 | 342 | 322 | 351 |
| EPS in Rs | 0.85 | 0.39 | 1.28 | 0.77 | 1.05 | 1.17 | 1.10 | 1.12 | 1.24 | 1.31 | 1.31 | 1.23 | 1.34 |
| Gross NPA % | 5.67% | 5.48% | 5.14% | 5.13% | 4.96% | 4.74% | 4.50% | 4.50% | 4.40% | 4.30% | 3.20% | 3.15% | 2.93% |
| Net NPA % | 2.51% | 2.26% | 1.86% | 1.85% | 1.70% | 1.61% | 1.46% | 1.44% | 1.31% | 1.25% | 0.92% | 0.68% | 0.56% |
Last Updated: December 28, 2025, 8:05 pm
Below is a detailed analysis of the quarterly data for South Indian Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,598.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,530.00 Cr. (Jun 2025) to 1,598.00 Cr., marking an increase of 68.00 Cr..
- For Expenses, as of Sep 2025, the value is 852.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,022.00 Cr. (Jun 2025) to 852.00 Cr., marking a decrease of 170.00 Cr..
- For Other Income, as of Sep 2025, the value is 516.00 Cr.. The value appears to be declining and may need further review. It has decreased from 622.00 Cr. (Jun 2025) to 516.00 Cr., marking a decrease of 106.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 472.00 Cr.. The value appears strong and on an upward trend. It has increased from 433.00 Cr. (Jun 2025) to 472.00 Cr., marking an increase of 39.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
- For Net Profit, as of Sep 2025, the value is 351.00 Cr.. The value appears strong and on an upward trend. It has increased from 322.00 Cr. (Jun 2025) to 351.00 Cr., marking an increase of 29.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.34. The value appears strong and on an upward trend. It has increased from 1.23 (Jun 2025) to 1.34, marking an increase of 0.11.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:30 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 | 9,514 |
| 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 | 6,135 |
| Expenses | 994 | 1,396 | 1,450 | 1,725 | 2,239 | 2,296 | 3,136 | 3,467 | 3,106 | 2,629 | 3,228 | 3,440 | 3,671 |
| Financing Profit | 405 | -30 | 59 | -50 | -274 | -276 | -818 | -1,060 | -866 | 383 | 104 | 45 | -292 |
| 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 | 2,119 |
| 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 | 1,827 |
| 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 | 1,357 |
| 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 | 5.19 |
| 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: December 4, 2025, 2:06 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 134 | 135 | 135 | 180 | 181 | 181 | 181 | 209 | 209 | 209 | 262 | 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 | 10,374 |
| 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 | 115,635 |
| 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 | 6,647 |
| 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 | 3,121 |
| 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 | 136,039 |
| Fixed Assets | 404 | 469 | 467 | 618 | 642 | 677 | 776 | 755 | 752 | 754 | 966 | 1,018 | 1,024 |
| CWIP | 8 | 10 | 20 | 38 | 39 | 32 | 24 | 40 | 59 | 124 | 0 | 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 | 30,706 |
| 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 | 104,310 |
| 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 | 136,039 |
Below is a detailed analysis of the balance sheet data for South Indian Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 262.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 262.00 Cr..
- For Reserves, as of Sep 2025, the value is 10,374.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,846.00 Cr. (Mar 2025) to 10,374.00 Cr., marking an increase of 528.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 3,121.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,721.00 Cr. (Mar 2025) to 3,121.00 Cr., marking an increase of 400.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 136,039.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 124,655.00 Cr. (Mar 2025) to 136,039.00 Cr., marking an increase of 11,384.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,024.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,018.00 Cr. (Mar 2025) to 1,024.00 Cr., marking an increase of 6.00 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 2025, the value is 30,706.00 Cr.. The value appears strong and on an upward trend. It has increased from 21,777.00 Cr. (Mar 2025) to 30,706.00 Cr., marking an increase of 8,929.00 Cr..
- For Other Assets, as of Sep 2025, the value is 104,310.00 Cr.. The value appears strong and on an upward trend. It has increased from 101,860.00 Cr. (Mar 2025) to 104,310.00 Cr., marking an increase of 2,450.00 Cr..
- For Total Assets, as of Sep 2025, the value is 136,039.00 Cr.. The value appears strong and on an upward trend. It has increased from 124,655.00 Cr. (Mar 2025) to 136,039.00 Cr., marking an increase of 11,384.00 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
| 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
| 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 |
|---|---|---|---|---|---|---|
| Bandhan Small Cap Fund | 106,218,390 | 2.31 | 420.41 | 106,518,390 | 2025-12-15 01:10:38 | -0.28% |
| Kotak Multicap Fund | 102,616,618 | 1.82 | 406.16 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 19,424,785 | 0.57 | 76.88 | N/A | N/A | N/A |
| Bandhan Focused Fund | 18,757,919 | 3.55 | 74.24 | 19,657,919 | 2025-12-15 01:10:38 | -4.58% |
| SBI Banking & Financial Services Fund | 8,811,663 | 0.36 | 34.88 | N/A | N/A | N/A |
| WhiteOak Capital Flexi Cap Fund | 4,303,425 | 0.25 | 17.03 | N/A | N/A | N/A |
| LIC MF Flexi Cap Fund | 3,862,346 | 1.42 | 15.29 | N/A | N/A | N/A |
| WhiteOak Capital Mid Cap Fund | 2,733,228 | 0.25 | 10.82 | N/A | N/A | N/A |
| LIC MF Banking & Financial Services Fund | 1,354,357 | 1.83 | 5.36 | 1,565,449 | 2025-12-15 01:10:38 | -13.48% |
| ITI Banking and Financial Services Fund | 900,000 | 1.02 | 3.56 | N/A | N/A | N/A |
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
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: 7.26 (Industry average Stock P/E: 18.32)
- 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 | Contact not found |
| 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 29 December 2025) is 32.89 which is 12.53% lower the current market price of 37.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 9,851 Cr. market cap, FY2025-2026 high/low of 41.6/22.1, reserves of ₹10,374 Cr, and liabilities of 136,039 Cr.
What is the Market Cap of South Indian Bank Ltd?
The Market Cap of South Indian Bank Ltd is 9,851 Cr..
What is the current Stock Price of South Indian Bank Ltd as on 29 December 2025?
The current stock price of South Indian Bank Ltd as on 29 December 2025 is 37.6.
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 41.6/22.1.
What is the Stock P/E of South Indian Bank Ltd?
The Stock P/E of South Indian Bank Ltd is 7.26.
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 1.06 %.
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.