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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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 (%) | 1.08 | 1.06 | 0.92 | 1.04 | 1.03 | 0.66 | 0.65 | 0.39 | 0.53 | 0.44 |
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 (%) | 0.45 | 0.43 | 0.5 | 1.02 | 1.38 | 1.93 | 2.69 | 3.29 | 2.16 | 4.18 |
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 | 13.4% | 5.3% | 4.8% | 1.4% | |
| Total Income | 15.8% | 11.9% | 6.6% | 3% | |
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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.
| 2.4% | -7% | -5.7% | -12.5% | |
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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
| 15% | 8% | 6.5% | 7.1% | |
| Share Price | -6.9% | 2.7% | 4.3% | - | |
| RATIOS \ YEARS | Mar'07 | Mar'08 | Mar'09 | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 |
| Interest Earned / Total Income | 83.53 | 85.53 | 87.11 | 89.32 | 89.96 | 90.77 | 90.92 | 91.7 | 90.04 | 89.79 |
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Margins
Margins: Colour Rating Guide
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| NIM (%) | 2.64 | 2.36 | 2.14 | 2.81 | 3.28 | 2.73 | 2.82 | 2.69 | 2.81 | 2.72 |
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Performance Ratios
Performance Ratios: Colour Rating Guide
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| Return on Equity (%) | 24 | 25.31 | 22.1 | 23.81 | 19.36 | 11.34 | 11.59 | 7.07 | 9.79 | 7.92 |
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Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
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| CASA (%) | 31.95 | 31.87 | 28.88 | 31.58 | 34.22 | 32.21 | 31.55 | 33.36 | 33.86 | 34.73 |
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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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