Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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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.
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X

The Lakshmi Vilas Bank Ltd.

Small Cap

Evaluated by 928 users |

BSE

: 534690 |

NSE

: LAKSHVILAS |

Bank - Private

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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'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)249365371392486527645783791560
Y-o-Y Gr. Rt.-46.5%1.7%5.6%24%8.4%22.5%21.3%1%-29.2%
Total Income1,0131,2021,6771,9582,1882,4992,8733,3493,3883,090
Y-o-Y Gr. Rt.-18.7%39.6%16.7%11.8%14.2%15%16.6%1.2%-8.8%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
2.197.217.636.524.256.859.3212.41-22.85-27.95
Y-o-Y Gr. Rt.-229.2%5.8%-14.6%-34.8%61.2%36.1%33.2%-284.1%NA
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
52.6757.8462.6566.7369.6176.5482.3295.1384.1553.26
Y-o-Y Gr. Rt.-9.8%8.3%6.5%4.3%10%7.6%15.6%-11.5%-36.7%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.330.850.720.540.310.580.670.8-1.55-2.43
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 (%)4.110.91.742.433.441.851.181.765.667.49
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
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 Income9.4%2.9%-4.6%-29.2%
Total Income13.2%7.2%2.5%-8.8%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-232.7%-245.8%-244.2%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
0.1%-5.2%-13.5%-36.7%
Share Price -13.4% -24.3% -47.9% -78.5%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income89.7888.690.5889.9390.6988.6389.484.9989.7691.9
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)2.472.892.412.322.442.222.342.32.051.82
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)5.1413.0412.6610.096.2310.7811.7414.41-28.42-46.35
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 18.2218.8114.9114.4914.2316.6717.3619.1321.0625.68
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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
6.81%
19.77%
73.41%
Pledged *37.8840.0936.0037.1736.1338.6138.7535.6842.6142.5542.4243.6843.1838.1336.1937.4732.5634.5533.8831.36
*  Pledged shares as % of Promoter's holding (%)
 
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