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
Consolidated basis
The valuation guidance of this company is based on Consolidated basis.
1. Right Stock
3. Right Allocation
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10 Year X-Ray
Consolidated 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 (%) | 1.4 | 1.13 | 1.24 | 1.38 | 1.29 | 1.14 | 1.28 | 0.55 | 0.81 | 0.71 |
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 (%) | 0.3 | 0.48 | 0.6 | 0.54 | 0.98 | 0.74 | 0.73 | 1.64 | 1.28 | 1.69 |
Capital Adequacy Ratio: Colour Rating Guide
- > 12% : Very Good
- 9%-12% : Somewhat Good
- <9%: Not Good
| Capital Adequacy Ratio | - | - | - | - | - | - | - | - | - | 0% |
|
CAGR Colour Code Guide
CAGR Colour Code Guide
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| 9 yrs | 5 yrs | 3 yrs | 1 yr | ||
| Net Interest Income | 12.1% | 12.6% | 14.9% | 17.8% | |
| Total Income | 12.5% | 9.9% | 9.8% | 12.2% | |
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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.
| 6.2% | -1% | -8.4% | -5.8% | |
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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
| 10.6% | 11.2% | 11.5% | 19.9% | |
| RATIOS \ YEARS | Mar'09 | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 |
| Interest Earned / Total Income | 86.53 | 87.34 | 88.66 | 91.3 | 90.38 | 91.09 | 89.5 | 90.64 | 89.02 | 89.52 |
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Margins
Margins: Colour Rating Guide
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| NIM (%) | 3.47 | 3.31 | 3.49 | 3.37 | 2.96 | 3.16 | 3.17 | 2.89 | 2.86 | 2.78 |
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Performance Ratios
Performance Ratios: Colour Rating Guide
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| Return on Equity (%) | 12.21 | 10.48 | 12.21 | 14.56 | 14.35 | 12.64 | 13.91 | 6.19 | 10.04 | 8.58 |
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Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
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| CASA (%) | 24.5 | 26.19 | 26.87 | 27.54 | 27.17 | 31.25 | 30.76 | 32.91 | 32.82 | 33.64 |
My Assessment
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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.
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 (%)
