Share Price and Basic Stock Data
Last Updated: February 1, 2026, 9:36 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 in the private sector banking industry and has recently reported a share price of ₹44.4 with a market capitalization of ₹11,636 Cr. The bank’s revenue has exhibited a consistent upward trend, rising from ₹1,740 Cr in September 2022 to ₹2,129 Cr in September 2023. This represents a year-on-year growth of 22.4%. The bank’s revenue for the trailing twelve months (TTM) stood at ₹9,514 Cr, up from ₹7,233 Cr a year prior. Such growth can be attributed to an increase in net interest income, which rose from ₹4,221 Cr in FY 2023 to ₹5,928 Cr in FY 2025. The bank’s robust revenue generation is indicative of effective asset management and a solid customer base, which positions it favorably against sector averages, particularly in a competitive landscape that has seen many banks struggling to maintain revenue growth amidst rising interest rates.
Profitability and Efficiency Metrics
South Indian Bank’s profitability metrics demonstrate significant improvement, with a net profit of ₹1,357 Cr reported for the TTM, compared to ₹775 Cr in the previous fiscal year. The bank’s net profit margin for FY 2025 stood at 13.84%, reflecting an enhancement from 10.71% in FY 2023. Return on equity (ROE) also showed a positive trend, increasing to 13.8% in the latest reporting period, a notable rise from 12% in the previous year. However, the return on capital employed (ROCE) remained relatively low at 6.50%, suggesting room for improvement in capital utilization. The cost-to-income ratio of 57.15% indicates that the bank is managing its operational efficiency well, particularly when compared to the sector average, which typically hovers around 50-55%. Overall, these figures indicate a turnaround in profitability, although the ROCE suggests there are still efficiency challenges that need addressing.
Balance Sheet Strength and Financial Ratios
South Indian Bank’s balance sheet reflects a solid foundation, with total assets recorded at ₹136,039 Cr as of September 2025, up from ₹107,698 Cr a year earlier. The bank’s reserves rose from ₹10,374 Cr, indicating a strengthened capital position that supports future growth initiatives. The bank’s equity capital remained stable at ₹262 Cr, while borrowings increased to ₹6,647 Cr, demonstrating a strategic approach to leverage. The price-to-book value ratio stood at 0.59 in FY 2025, suggesting that the bank is trading at a discount relative to its book value, which is often seen as an attractive point for investors. Furthermore, the net interest margin of 2.79x is competitive within the sector, reflecting the bank’s ability to generate income from its assets effectively. While the gross non-performing assets (NPA) ratio improved to 2.93%, which is favorable compared to the sector average, the bank must continue to monitor asset quality to mitigate risks associated with credit losses.
Shareholding Pattern and Investor Confidence
The shareholding pattern of South Indian Bank reveals a diverse ownership structure, with public shareholders holding 70.16% of the equity, while foreign institutional investors (FIIs) accounted for 17.91% and domestic institutional investors (DIIs) for 11.92%. The increase in FII holdings from 14.88% in December 2022 to 17.91% in September 2025 signals growing confidence among international investors in the bank’s prospects. Notably, the number of shareholders rose to 11,81,505, indicating increasing retail participation. This broad base of investors can provide stability and support for the stock price, particularly in volatile market conditions. However, the decline in DII holdings from a high of 10.42% in March 2025 to 11.92% in September 2025 may raise concerns about domestic institutional sentiment, suggesting that the bank needs to maintain robust performance metrics to attract sustained institutional investment.
Outlook, Risks, and Final Insight
Looking forward, South Indian Bank is well-positioned for continued growth, supported by its improving profitability and a strong balance sheet. However, challenges remain, particularly in enhancing operational efficiency, as indicated by the relatively low ROCE. Additionally, the bank must navigate potential risks associated with increasing interest rates, which could pressure margins if not managed effectively. The improvement in asset quality is promising, yet ongoing vigilance is required to prevent deterioration in the NPA ratios. The bank’s strategic focus on expanding its retail and small business lending can further bolster its revenue streams. Ultimately, while the outlook appears positive, the bank must remain proactive in addressing operational challenges and maintaining asset quality to ensure sustainable growth in a dynamic financial environment.
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 | 1,767 Cr. | 212 | 339/180 | 24.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,491 Cr. | 28.9 | 36.6/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,162 Cr. | 256 | 331/249 | 8.57 | 306 | 1.56 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,335 Cr. | 21.1 | 24.3/16.0 | 20.9 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,089 Cr. | 62.4 | 68.0/30.9 | 24.5 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 158,213.26 Cr | 342.48 | 17.23 | 214.17 | 0.61% | 6.84% | 11.80% | 6.30 |
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 | 2.14 | 407.03 | 106,518,390 | 2025-12-15 01:10:38 | -0.28% |
| Kotak Multicap Fund | 102,616,618 | 1.71 | 393.23 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 19,424,785 | 0.56 | 74.44 | N/A | N/A | N/A |
| Bandhan Focused Fund | 18,757,919 | 3.49 | 71.88 | 19,657,919 | 2025-12-15 01:10:38 | -4.58% |
| SBI Banking & Financial Services Fund | 18,000,000 | 0.68 | 68.98 | 8,811,663 | 2026-01-26 00:16:20 | 104.27% |
| Kotak Special Opportunities Fund | 5,000,000 | 1.18 | 19.16 | N/A | N/A | N/A |
| Kotak Banking & Financial Services Fund | 4,377,724 | 1.2 | 16.78 | N/A | N/A | N/A |
| WhiteOak Capital Flexi Cap Fund | 4,303,425 | 0.23 | 16.49 | N/A | N/A | N/A |
| WhiteOak Capital Special Opportunities Fund | 4,194,630 | 1.14 | 16.07 | N/A | N/A | N/A |
| LIC MF Flexi Cap Fund | 3,862,346 | 1.39 | 14.8 | 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: 7.07 (Industry average Stock P/E: 17.23)
- 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 01 February 2026) is ₹65.80 which is 75.00% higher the current market price of ₹37.60, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹9,827 Cr. market cap, FY2025-2026 high/low of ₹46.8/22.1, 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 9,827 Cr..
What is the current Stock Price of South Indian Bank Ltd as on 01 February 2026?
The current stock price of South Indian Bank Ltd as on 01 February 2026 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 ₹46.8/22.1.
What is the Stock P/E of South Indian Bank Ltd?
The Stock P/E of South Indian Bank Ltd is 7.07.
What is the Book Value of South Indian Bank Ltd?
The Book Value of South Indian Bank Ltd is 42.1.
What is the Dividend Yield of South Indian Bank Ltd?
The Dividend Yield of South Indian Bank Ltd is 1.07 %.
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.