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.
To know more, click here
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.
To know more, click here
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 endConsolidated basis 
Net Profit/Total Funds (%)
- >1.25 : Very Good
- 1-1.25 : Somewhat Good
- <1 : Not Good
| Net Profit/Total Funds (%) | 0.76 | 1.19 | 0.34 | 0.23 | -0.8 | 0.02 | -1.77 | -1.66 | -1.56 | 0.1 |
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 (%) | 0.88 | 0.88 | 0.84 | 0.3 | 0.66 | 3.36 | 3.8 | 3.29 | 2.78 | 2.58 |
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
|
|
||||
| 9 yrs | 5 yrs | 3 yrs | 1 yr | ||
| Net Interest Income | 13.7% | 6% | 5.8% | 8.8% | |
| Total Income | 14.5% | -4.8% | -4.2% | -6.3% | |
|
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
| -26% | NA | NA | NA | |
|
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
| -5.9% | -18.3% | -18.9% | 8.9% | |
| RATIOS \ YEARS | Mar'08 | Mar'09 | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 |
| Interest Earned / Total Income | 89.78 | 83.73 | 85.45 | 86.06 | 90.66 | 91.96 | 94.62 | 93.79 | 94.01 | 90.75 |
|
Margins
Margins: Colour Rating Guide
|
||||||||||
| NIM (%) | 2.71 | 2.23 | 1.81 | 1.94 | 1.76 | 2.09 | 1.99 | 2.22 | 2.63 | 2.9 |
|
Performance Ratios
Performance Ratios: Colour Rating Guide
|
||||||||||
| Return on Equity (%) | 17.81 | 19.26 | 5.39 | 4.06 | -14.7 | 0.36 | -34.35 | -33.07 | -34.01 | 2.13 |
|
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
|
||||||||||
| CASA (%) | 29.24 | 24.3 | 21.86 | 22.9 | 19.35 | 22.46 | 21.99 | 24.34 | 25.03 | 29.44 |
My Assessment
MoneyWorks4me
Assessment
Assessment
Community
Assessment
Assessment
Select Your Assessment of 10 Year X-Ray
Your assessment has been saved successfully.
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 (%)
