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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.
The South Indian Bank Limited (the Bank) is an India-based commercial bank. The Bank operates in four segments: Treasury segment, which consists of interest earnings in the investment portfolio of the Bank, gains or losses on investment operations and earnings from foreign…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, priced for perfection.
The South Indian Bank is scored on the bank / lender framework. It keeps a healthy 12.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 14%/yr and profit at 23%/yr. Book value itself has compounded 20%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.1%. In the latest quarter profit grew 13% versus the prior quarter.
At 10× earnings, the stock sits at the 100th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~-1%/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 | 9.55 | 10.03 | better |
| P/B | 1.25 | 1.4 | better |
| ROE | 13.12 | 9.98 | better |
| ROA | 1.08 | 0.92 | better |
| NIM | 2.58 | 4.25 | worse |
| Net NPA | 0.29 | 0.79 | better |
| CASA | 32.12 | 30.48 | 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. 14% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (23% vs 14%) — margin expansion is at work.
Operating margin has expanded from 14% to 17% — the business is keeping more of each rupee earned.
Profit grew faster than EPS (23% vs 17%) — share dilution is eroding per-share value. 17% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 2.7× PAT — earnings are well-backed by cash; strong accrual quality.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 9% sequentially — momentum is building. Low quarterly variance (10% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 13% 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.
FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. MF holding up 3.2pp — 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.