Vijaya Bank - (Amalgamated) - Stock Valuation and Financial Performance

BSE: 532401 | NSE: VIJAYABANK | Bank - Public | Small Cap

BSE Share Price
Not Listed

DeciZen - make an informed investing decision on Vijaya Bank-(Amalgam

M-Cap below 100cr DeciZen not available

Vijaya Bank - (Amalgamated) stock performance -

mw4me loader
P/E Ratio (SA):
9.47
Market Cap:
6,012.1 Cr.
52-wk low:
39.8
52-wk high:
46.8

Is an attractive stock to invest in?

1. Is a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Vijaya Bank - (Amalgamated) is a below average quality company.

2. Is undervalued or overvalued?

The key valuation ratios of Vijaya Bank - (Amalgamated)'s currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is a good buy now?

No data found

10 Year X-Ray of Vijaya Bank-(Amalgam:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Vijaya Bank - (Amalgamated) has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18TTM
Net Interest Income (₹ Cr.)1,1251,4491,9471,9041,8782,0832,2922,7613,5064,3034,756
YoY Gr. Rt. %-28.8%34.4%-2.2%-1.3%10.9%10%20.4%27%22.7%-
Total Income5,9375,8806,3778,5169,65911,41613,15212,95714,03114,19015,702
YoY Gr. Rt. %--1%8.5%33.5%13.4%18.2%15.2%-1.5%8.3%1.1%-
Adj EPS (₹ ) 6.110.99.19.19.44.85.14.17.55.64.9
YoY Gr. Rt. %-80%-16.6%-0.3%4%-48.6%5.6%-20%83.6%-25.8%-
BVPS (₹ )53.561.470.376.282.765.6697073.375.478.6
YoY Gr. Rt. %-14.9%14.4%8.3%8.5%-20.6%5%1.6%4.7%2.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.40.80.70.70.60.30.30.30.50.40
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)0.81.41.51.71.31.61.94.84.44.34.1
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)----------13.32

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income16.1%18%23.4%22.7%
Total Income10.2%8%2.6%1.1%
Adj EPS-0.9%-10%2.9%-25.8%
BVPS3.9%-1.8%3%2.9%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18TTM
Interest Earned / Total Income88.2388.4491.6493.893.7293.7893.3293.2688.2388.7291.6
Margins To view Margins Colour Rating Guide click here
NIM (%)1.92.12.52.11.71.61.722.42.70
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)11.920.417.516.414.98.57.66.110.88.55.3
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)2424.625.3222118.420.423.228.125.4-

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to %

Latest Financials - Vijaya Bank - (Amalgamated)

Standalone Consolidated
TTM EPS (₹) 4.9 2.9
TTM Sales (₹ Cr.) 14,389 2,105
BVPS (₹.) 78.6 18.5
Reserves (₹ Cr.) 8,942 1,113
P/BV 0.59 2.49
PE 9.47 15.74
From the Market
52 Week Low / High (₹) 39.75 / 46.80
All Time Low / High (₹) 6.00 / 115.35
Market Cap (₹ Cr.) 6,012
Equity (₹ Cr.) 1,304.2
Face Value (₹) 10
Industry PE 12.1

Management X-Ray of Vijaya Bank-(Amalgam:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Vijaya Bank-(Amalgam

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Income 5,936.645,880.106,377.258,516.039,658.8811,416.4313,152.4912,957.4414,030.7214,190.45
Interest Income 5,237.835,200.655,844.067,988.139,051.8810,706.5612,273.5312,083.5812,379.4612,589.84
Other Income 698.81679.45533.19527.90607709.87878.96873.861,651.261,600.61
Expenditure 5,674.165,372.805,853.437,935.039,073.2711,000.5212,713.0812,575.6413,280.2413,463.43
Interest Expense 4,113.023,751.573,897.286,084.597,173.888,623.159,981.259,322.748,873.028,286.95
Operating Expenses 924.701,071.571,433.281,201.361,362.971,689.551,912.212,085.822,736.552,805.70
Provisions636.43549.67522.86649.08536.42687.82819.621,167.071,670.672,370.78
Profit Before Tax497.44701.16607.96649.25576.55447.95399.90158.36914.49983.21
Taxes 234.96193.8684.1468.25-9.0632.04-39.51-223.44164256.19
Profit After Tax 262.48507.30523.82581585.61415.91439.41381.80750.49727.02
Adjusted EPS (₹)6.0510.899.089.059.414.845.114.097.515.57
Dividend Payout Ratio (%)17%23%28%28%27%41%29%0%20%22%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18

Equity and Liabilities

Share Capital 933.52933.521,672.671,695.541,695.54859.12859.12932.56998.851,304.15
Total Reserves 2,215.782,541.633,144.333,556.683,863.115,028.805,300.646,472.167,152.649,323.05
Minority Interest0000000000
Deposits54,535.4261,931.7473,248.3283,055.5197,017.241,24,296.151,26,343.351,25,440.721,33,011.961,57,287.54
Borrowings 2,269.241,938.562,025.375,418.406,391.824,744.807,278.1910,300.5711,061.807,299.79
Other Liabilities 2,428.202,861.581,922.672,037.892,014.042,429.742,861.803,103.882,656.332,417.52
Total Liabilities 62,382.1670,207.0482,013.3795,764.011,10,981.751,37,358.621,42,643.101,46,249.891,54,881.571,77,632.05

Assets

Balance with RBI 5,730.414,099.584,881.844,542.533,917.705,540.216,534.296,268.355,770.424,303.70
Balance with Banks1,941.781,449.68864.491,860.322,727.053,917.45817.54351.20160.29666.54
Investments 17,387.7021,107.4525,138.5828,643.8031,284.9742,585.3940,758.1241,842.4944,424.5539,511.66
Advances 35,467.6741,506.6848,718.6357,903.7469,765.7681,504.0386,695.8788,986.9694,548.891,16,165.44
Net Block 493.24493.16485.99486.95476.74528.95566.641,286.911,317.381,300.49
Other Assets1,361.361,550.501,923.852,326.662,809.543,282.597,270.637,512.598,658.6715,683.23
Total Assets 62,382.1670,207.0482,013.3795,764.011,10,981.751,37,358.621,42,643.101,46,249.891,54,881.571,77,632.05

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Cash Flow From Operating Activity 2,519.71-1,774.68-589936.50701.742,915.98-3,212.03-1,272.5360.43-1,782.90
Cash Flow From Investing Activity -22.40-48.84-39-57.50-46.02-129.78-104.20-155.40-154.30-123.73
Cash Flow From Financing Activity -922.49-299.41825.07-222.47-413.8326.711,210.41695.66-594.97946.16
Net Cash Flow 1,574.82-2,122.93197.07656.53241.892,812.91-2,105.82-732.28-688.84-960.47
PARTICULARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18

Operational & Financial Ratios

EPS (₹)61199955486
DPS (₹)1333322021
BVPS (₹)53617076836669707375

Margin Ratios

Yield on Advances (%)14.812.512.013.813.013.114.213.613.110.8
Yield on Investments (%)9.37.46.96.97.36.68.57.59.39.2
Cost of Liabilities (%)7.25.95.26.96.96.77.56.96.25.0
NIM (%)1.92.12.52.11.71.61.72.02.42.7
Interest Spread (%)7.56.76.86.96.06.56.76.76.95.8

Performance Ratios

ROA (%)0.40.80.70.70.60.30.30.30.50.4
ROE (%)11.920.417.516.414.98.57.66.110.88.5
ROCE (%)16.517.214.210.68.06.35.75.19.48.9

Efficiency Ratios

Cost to Income Ratio (%)50.750.357.849.454.960.560.357.453.147.5
Operating Costs to Assets (%)1.51.51.81.31.21.21.31.41.81.6

Valuation Parameters

Price/Book(x)0.40.81.10.80.60.60.70.50.90.7

Vijaya Bank - (Amalgamated) Stock News

Vijaya Bank - (Amalgamated) FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Vijaya Bank-(Amalgam on 01-Jan-1970 05:30 is ₹0.00.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jan-1970 05:30 the market cap of Vijaya Bank-(Amalgam stood at ₹6,012.1.
The latest P/E ratio of Vijaya Bank-(Amalgam as of 01-Jan-1970 05:30 is 9.47.
The latest P/B ratio of Vijaya Bank-(Amalgam as of 01-Jan-1970 05:30 is 0.59.
The 52-week high of Vijaya Bank-(Amalgam is ₹46.80 and the 52-week low is ₹39.75.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Vijaya Bank-(Amalgam is ₹14,389 ( Cr.) .

About Vijaya Bank - (Amalgamated)

Vijaya Bank was incorporated in October 1931 in Mangalore, Karnataka. It was founded by late Shri A.B.Shetty and other enterprising farmers with an intention to promote banking habits among farming community in the Dakshina Kannada district in Karnataka State.

Vijaya Bank became a scheduled bank in 1958. During the year 1963-68 is grew into all India bank by merger of nine smaller banks into Vijaya Bank. It got nationalised in year 1980.

Currently, it has a network of 1277 branches, 49 extension counters and 551 ATMs pread across all 28 states and 4 union territories in the country.

Products and Services

Rural Banking- As main objective of Vijaya Bank was induce banking habits in Farmers, it offers wide range of products and services such as saving account, loans and advance facility to farmers, deposits , etc.

Personal Banking- It offers wide range of products in personal banking such as saving account, fixed deposit, debit card, credit card, RTGS, NEFT facility etc.

NRI Banking- It also offers products and services catering NRI Clients such remittances facility, loans, deposits etc.

Vijaya Bank offers various products and services specific to various segments such as it has saving accounts for children, scheme for women clientele, credit facilities to minority communities like Zoroastrians, Buddhists are among others.

It also offers merchant banking facility and insurance policy.

Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2024 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt.Ltd.