Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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Decision Maker
Standalone basis
The valuation guidance of this company is based on Standalone basis.
1. Right Stock
This company is among the most fundamentally sound companies on account of its consistent performance on both the colour-coding parameters - Value Creation & Business Growth.
2. Right Price
3. Right Allocation
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10 Year X-Ray
Standalone basis
10 Year X-Ray provides a snapshot of the important financial parameters that show the fundamental strength of a company.
Analysis of Financial Track Record
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Net Profit/Total Funds (%)
- >1.25 : Very Good
- 1-1.25 : Somewhat Good
- <1 : Not Good
| Net Profit/Total Funds (%) | 1.7 | 1.85 | 1.86 | 1.82 | 1.75 | 1.93 | 1.4 | 1.68 | 1.7 | 1.69 |
Net NPA to Net Advances (%): Colour Rating Guide
- < 0.5 : Very Good
- 0.5-1 : Somewhat Good
- >1: Not Good
| Net NPA to Net Advances (%) | 1.73 | 0.72 | 0.61 | 0.64 | 1.08 | 0.92 | 1.06 | 1.26 | 0.98 | 0.75 |
Capital Adequacy Ratio: Colour Rating Guide
- > 12% : Very Good
- 9%-12% : Somewhat Good
- <9%: Not Good
| Capital Adequacy Ratio | - | - | - | - | - | - | - | - | - | 0% |
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CAGR Colour Code Guide
CAGR Colour Code Guide
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| 9 yrs | 5 yrs | 3 yrs | 1 yr | ||
| Net Interest Income | 22.2% | 24.8% | 17.7% | 18.1% | |
| Total Income | 24.8% | 22.9% | 14.5% | 19.9% | |
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Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
| 22.8% | 21.2% | 30.8% | 19% | |
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Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
| 23.9% | 22.8% | 19.4% | 12.9% | |
| Share Price | 22.6% | 24.1% | 24.6% | 30.4% | |
| RATIOS \ YEARS | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 |
| Interest Earned / Total Income | 83.82 | 84.3 | 86.35 | 87.39 | 86.23 | 82.73 | 86.25 | 83.58 | 82.97 | 83.87 |
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Margins
Margins: Colour Rating Guide
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| NIM (%) | 5.22 | 4.29 | 3.97 | 3.96 | 4.4 | 4.18 | 3.82 | 3.99 | 3.75 | 3.73 |
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Performance Ratios
Performance Ratios: Colour Rating Guide
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| Return on Equity (%) | 13.52 | 14.5 | 14.72 | 15.65 | 13.83 | 14.13 | 10.97 | 13.23 | 12.55 | 12.18 |
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Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
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| CASA (%) | 31.24 | 30.04 | 32.18 | 29.24 | 31.87 | 36.36 | 38.07 | 44 | 50.75 | 52.5 |
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Overall Corporate Governance
Management Assessment
An assessment of the trustworthiness of the management based on 5 important parameters. These parameters are colour coded as
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
Green (Very Good), Orange (Somewhat Good) and Red (Not Good)
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
1.
Corporate Governance: To analyse corporate governance practices, we look at composition of the board of directors, quality of independence, remuneration paid to the board of directors, etc.
2.
Board credentials: To assess board credentials, relevance of qualification and experience is looked at.
3.
Promoters’ holding: Here, we look at the trend of promoter holding as also the trend of shares pledged by promoters.
4.
Transparency: To assess transparency, we look at the company communication and try to assess truth, fairness and candidness.
5.
Integrity: To assess integrity, we look for involvement of the management in scams, frauds, etc. which would be a warning sign.
| Corporate Governance
Corporate Governance
This refers to a set of processes or laws that affects the way a company is directed and controlled.
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Board Credentials
Board credentials
This refers to the skill sets (qualification, experience, etc.) that the management team of a company possesses.
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Promoter's holding
Promoter's holding
This refers to the stake that the promoters hold in a company and proportion of shares pledged.
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Transparency
Transparency
Transparency refers to the practices that a company follows in the disclosure of important and necessary information.
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Integrity
Integrity
Integrity refers to the application of honest and fair business practices.
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Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
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