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 endConsolidated basis 
Net Profit/Total Funds (%)
- >1.25 : Very Good
- 1-1.25 : Somewhat Good
- <1 : Not Good
| Net Profit/Total Funds (%) | 0.34 | 0.23 | -0.8 | 0.02 | -1.77 | -1.66 | -1.56 | 0.1 | -0.2 | 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 (%) | 0.84 | 0.3 | 0.66 | 3.36 | 3.8 | 3.29 | 2.78 | 2.58 | 3.19 | 2.41 |
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 | 10.6% | 4.4% | 4.4% | 0.3% | |
| Total Income | 5.6% | -5.6% | -7.2% | -8.2% | |
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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.
| -20.5% | 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
| -10.8% | -15.9% | -5% | 2% | |
| Share Price | -25.5% | -23.6% | -38.1% | -57% | |
| 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 | 85.45 | 86.06 | 90.66 | 91.96 | 94.62 | 93.79 | 94.01 | 90.75 | 90.82 | 94.85 |
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Margins
Margins: Colour Rating Guide
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| NIM (%) | 1.81 | 1.94 | 1.76 | 2.09 | 1.99 | 2.22 | 2.63 | 2.9 | 3.05 | 3.17 |
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Performance Ratios
Performance Ratios: Colour Rating Guide
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| Return on Equity (%) | 5.39 | 4.06 | -14.7 | 0.36 | -34.35 | -33.07 | -34.01 | 2.13 | -3.94 | 1.9 |
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Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
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| CASA (%) | 21.86 | 22.9 | 19.35 | 22.46 | 21.99 | 24.34 | 25.03 | 29.44 | 30.8 | 32.01 |
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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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