Share Price and Basic Stock Data
Last Updated: December 12, 2025, 3:25 am
| PEG Ratio | 0.08 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
South Indian Bank Ltd, a prominent player in the private sector banking industry, has shown a commendable revenue trajectory over the recent quarters. For instance, the bank’s revenue rose consistently from ₹1,622 Cr in June 2022 to ₹2,129 Cr by September 2023, indicating a robust year-on-year growth. This upward trend reflects the bank’s ability to adapt to changing market conditions and capture growth, especially as it recorded a revenue of ₹7,233 Cr for FY 2023. The bank’s revenue is projected to further escalate, with a reported figure of ₹9,413 Cr for FY 2025. This growth can be attributed to a strategic focus on expanding its loan book and improving customer service, enhancing overall operational efficiency. However, it’s crucial to note that the bank’s interest income has seen fluctuations, with a peak of ₹1,505 Cr in March 2025, suggesting possible challenges in maintaining consistent interest margins amidst competitive pressures.
Profitability and Efficiency Metrics
South Indian Bank’s profitability metrics present a mixed bag. The net profit for FY 2025 stood at ₹1,303 Cr, reflecting a significant recovery from the previous years, where the net profit was merely ₹45 Cr in FY 2022. The bank’s return on equity (ROE) has also improved, reaching 14% in FY 2025, up from a meager 1% in FY 2022. This recovery indicates stronger management of equity and a more efficient use of capital. However, the financing profit remains a concern, having reported a loss of ₹258 Cr in the trailing twelve months, which highlights the challenges in managing interest expenses and maintaining a healthy financing margin. The cost-to-income ratio, reported at 57.15% for FY 2025, appears reasonably well-managed compared to previous years, but it still suggests room for improvement in operational efficiency to enhance profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of South Indian Bank reflects a solid foundation, with total assets growing to ₹124,655 Cr by FY 2025. The bank’s reserves have also seen a notable increase, standing at ₹10,374 Cr, which supports its capital adequacy and overall financial stability. The reported gross NPA ratio has improved significantly from 5.87% in June 2022 to 3.20% in March 2025, indicating effective asset quality management. This decline in NPAs signals a proactive approach in managing credit risk, which is essential for maintaining investor confidence. However, on the flip side, the bank’s return on capital employed (ROCE) remains relatively low at 6.50%, suggesting that while the bank has a strong asset base, it could optimize its capital utilization to enhance returns further. The price-to-earnings ratio of 7.66 also indicates that the stock might be undervalued compared to sector averages, presenting an attractive entry point for investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of South Indian Bank reveals a diverse mix of stakeholders, with public ownership accounting for a substantial 70.16% as of September 2025. This broad base of retail investors signifies strong public confidence in the bank’s prospects. Meanwhile, foreign institutional investors (FIIs) have increased their stake to 17.91%, suggesting a growing interest from international investors, which can be a positive indicator of the bank’s reputation in the global market. Domestic institutional investors (DIIs) have also increased their holdings to 11.92%, reflecting a growing institutional confidence. However, the fluctuation in FII and DII participation could indicate a cautious approach from institutional investors amidst macroeconomic uncertainties. The increase in the number of shareholders to over 11.81 lakh further indicates a rising retail interest in the bank, which is crucial for its long-term stability and growth.
Outlook, Risks, and Final Insight
Looking ahead, South Indian Bank faces a blend of opportunities and challenges. The growth in revenue and net profit is promising, but the bank must navigate the complexities of fluctuating interest margins and operational efficiency to sustain this momentum. Additionally, while the decline in NPAs is commendable, any economic downturn could pose risks to asset quality. The competitive landscape of the banking sector requires continuous innovation and improved customer experiences to retain and attract customers. Investors should keep an eye on the bank’s ability to manage interest expenses effectively and improve its financing margins. Overall, while South Indian Bank appears to be on a recovery path, potential investors should weigh these risks against the bank’s improving fundamentals and consider the broader economic context before making investment decisions.
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 | 2,254 Cr. | 271 | 367/180 | 28.1 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,313 Cr. | 25.5 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,205 Cr. | 265 | 331/250 | 8.91 | 307 | 1.51 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,842 Cr. | 21.9 | 24.3/16.0 | 24.3 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,274 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,350.35 Cr | 416.44 | 18.27 | 241.49 | 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: 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 - 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 |
|---|---|---|---|---|---|---|
| Bandhan Small Cap Fund | 106,518,390 | 2.24 | 390.07 | N/A | N/A | N/A |
| Kotak Multicap Fund | 102,616,618 | 1.74 | 375.78 | N/A | N/A | N/A |
| Bandhan Focused Fund | 19,657,919 | 3.45 | 71.99 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 19,424,785 | 0.52 | 71.13 | N/A | N/A | N/A |
| LIC MF Flexi Cap Fund | 3,862,346 | 1.32 | 14.14 | N/A | N/A | N/A |
| LIC MF Banking & Financial Services Fund | 1,565,449 | 2.01 | 5.73 | N/A | N/A | N/A |
| LIC MF Balanced Advantage Fund | 837,842 | 0.4 | 3.07 | N/A | N/A | N/A |
| LIC MF Value Fund | 374,392 | 0.65 | 1.37 | N/A | N/A | N/A |
| LIC MF Equity Savings Fund | 48,528 | 0.58 | 0.18 | 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
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: 7.64 (Industry average Stock P/E: 18.27)
- 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 12 December 2025) is 34.59 which is 12.65% lower the current market price of 39.60, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 10,371 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 10,371 Cr..
What is the current Stock Price of South Indian Bank Ltd as on 12 December 2025?
The current stock price of South Indian Bank Ltd as on 12 December 2025 is 39.6.
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 7.64.
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 1.01 %.
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.