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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.
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X

The Lakshmi Vilas Bank Ltd.

Small Cap

Evaluated by 894 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'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Net Interest Income (Rs. Cr.)154249365371392486527645783791
Y-o-Y Gr. Rt.-62.3%46.5%1.7%5.6%24%8.4%22.5%21.3%1%
Total Income7651,0131,2021,6771,9582,1882,4992,8733,3493,388
Y-o-Y Gr. Rt.-32.5%18.7%39.6%16.7%11.8%14.2%15%16.6%1.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
5.222.197.217.636.524.256.859.3212.41-22.85
Y-o-Y Gr. Rt.--58.1%229.2%5.8%-14.6%-34.8%61.2%36.1%33.2%-284.1%
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
47.0552.6757.8462.6566.7369.6176.5482.3295.1384.15
Y-o-Y Gr. Rt.-11.9%9.8%8.3%6.5%4.3%10%7.6%15.6%-11.5%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.680.330.850.720.540.310.580.670.8-1.55
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 (%)1.244.110.91.742.433.441.851.181.765.66
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 Income20%15.1%14.5%1%
Total Income18%11.6%10.7%1.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-217.8%-228.5%-249.4%-284.1%
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
6.7%4.8%3.2%-11.5%
Share Price -7.8% -10.8% -32.3% -57.3%
 
RATIOS \ YEARSMar'09Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18
Interest Earned / Total Income86.0189.7888.690.5889.9390.6988.6389.484.9989.76
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.922.472.892.412.322.442.222.342.32.05
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)11.545.1413.0412.6610.096.2310.7811.7414.41-28.42
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 16.7818.2218.8114.9114.4914.2316.6717.3619.1321.06
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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
7.11%
19.65%
73.24%
Pledged *43.8237.8840.0936.0037.1736.1338.6138.7535.6842.6142.5542.4243.6843.1838.1336.1937.4732.5634.5533.88
*  Pledged shares as % of Promoter's holding (%)
 
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