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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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 (%) | 0.64 | 0.64 | 0.24 | 0.41 | -0.45 | 0.2 | -0.46 | -0.76 | -1.55 | -1.72 |
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 (%) | 0.69 | 0.65 | 3.09 | 2.9 | 3.75 | 3.61 | 7.36 | 10.2 | 11.1 | 7.73 |
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 | 11.5% | 0.8% | -1.4% | 3.9% | |
| Total Income | 6.9% | -1% | -3.4% | -6% | |
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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.
| -195.5% | NA | NA | NA | |
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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
| -9% | -15.6% | -22.8% | -30.9% | |
| Share Price | -20.9% | -29.2% | -40% | -48.9% | |
| 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 | 87.43 | 92.33 | 93.21 | 92.91 | 92.7 | 93.31 | 93.03 | 89.56 | 90.16 | 90.37 |
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Margins
Margins: Colour Rating Guide
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| NIM (%) | 1.45 | 2.67 | 2.34 | 2.22 | 2.35 | 2.47 | 2.48 | 2.12 | 2.18 | 2.23 |
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Performance Ratios
Performance Ratios: Colour Rating Guide
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| Return on Equity (%) | 26.96 | 25.92 | 7.49 | 9.78 | -10.45 | 4.34 | -9.45 | -17.15 | -35.31 | -36.73 |
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Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
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| CASA (%) | 34.44 | 35.17 | 33.27 | 32.55 | 33.33 | 34.05 | 35.48 | 39.2 | 42.46 | 46.21 |
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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 (%)
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