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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.
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X

Vijaya Bank

Mid Cap

Evaluated by 2018 users |

BSE

: 532401 |

NSE

: VIJAYABANK |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)1,1251,4491,9471,9041,8782,0832,2922,7613,5064,303
Y-o-Y Gr. Rt.-28.8%34.4%-2.2%-1.3%10.9%10%20.4%27%22.7%
Total Income5,9375,8806,3778,5169,65911,41613,15212,95714,03114,190
Y-o-Y Gr. Rt.--1%8.5%33.5%13.4%18.2%15.2%-1.5%8.3%1.1%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
6.0510.899.089.059.414.845.114.097.515.57
Y-o-Y Gr. Rt.-80%-16.6%-0.3%4%-48.6%5.6%-20%83.6%-25.8%
Book Value per Share (Rs.)
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
53.4761.4470.3176.1782.6665.6468.9570.0373.2975.43
Y-o-Y Gr. Rt.-14.9%14.4%8.3%8.5%-20.6%5%1.6%4.7%2.9%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.440.770.690.650.570.340.310.260.50.44
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 (%)0.821.41.521.721.31.551.924.84.364.32
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 13.32%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income16.1%18%23.4%22.7%
Total Income10.2%8%2.6%1.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-0.9%-10%2.9%-25.8%
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
3.9%-1.8%3%2.9%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income88.2388.4491.6493.893.7293.7893.3293.2688.2388.72
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.862.132.452.051.741.561.72.012.422.68
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)11.8620.3717.516.3714.888.547.66.1310.848.47
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.0324.6225.2522.0220.9718.420.3723.2228.1225.35
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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)
Percentage Holding
68.77%
18.29%
12.94%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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