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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Central Bank of India Limited is an India-based commercial bank. The Company offers various banking services, including digital banking; deposits; retail loans; agriculture; services for micro, small and medium enterprises; corporate loans; services for non-resident Indians;…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history.
Central Bank of India is scored on the bank / lender framework. It keeps a healthy 10.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 13%/yr and profit at 41%/yr. Book value has grown 10%/yr. Return on equity is a modest 11.6%. In the latest quarter profit grew 11% versus the prior quarter.
At 6× earnings, the stock sits at the 4th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-9%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 5.75 | 8.26 | better |
| P/B | 0.73 | 1.18 | better |
| ROE | 11.55 | 13.72 | worse |
| ROA | 0.92 | 1.09 | worse |
| NIM | 2.78 | 2.6 | better |
| Net NPA | 0.49 | 0.41 | worse |
| CASA | 47.3 | 39.04 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 13% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (41% vs 13%) — margin expansion is at work.
Operating margin has expanded from 9% to 15% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (41% vs 37%) — share dilution is eroding per-share value. 37% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 10% sequentially — momentum is building. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 11% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 81.2% — heavily owner-operated with strong skin in the game. Promoters reduced 8.1pp over 4 quarters — watch whether this is planned divestment or pledge invocations. FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. MF holding up 2.2pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.