The South Indian Bank Limited
The South Indian Bank Limited Fundamental Analysis
The South Indian Bank Limited (SOUTHBANK.BO) shows strong financial fundamentals with a PE ratio of 7.75, profit margin of 11.80%, and ROE of 13.47%. The company generates $117.8B in annual revenue with strong year-over-year growth of 10.86%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SOUTHBANK.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakSOUTHBANK.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateSOUTHBANK.BO shows balanced valuation metrics.
Growth Score
ModerateSOUTHBANK.BO shows steady but slowing expansion.
Financial Health Score
ModerateSOUTHBANK.BO shows balanced financial health with some risks.
Profitability Score
WeakSOUTHBANK.BO struggles to sustain strong margins.
Key Financial Metrics
Is SOUTHBANK.BO Expensive or Cheap?
P/E Ratio
SOUTHBANK.BO trades at 7.75 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SOUTHBANK.BO's PEG of 3.35 indicates potential overvaluation.
Price to Book
The market values The South Indian Bank Limited at 0.98 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.09 times EBITDA. This is generally considered low.
How Well Does SOUTHBANK.BO Make Money?
Net Profit Margin
For every $100 in sales, The South Indian Bank Limited keeps $11.80 as profit after all expenses.
Operating Margin
Core operations generate 15.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.47 in profit for every $100 of shareholder equity.
ROA
The South Indian Bank Limited generates $1.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The South Indian Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
The South Indian Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
SOUTHBANK.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.75
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.35
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.98
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.91
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.56
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.07
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How SOUTHBANK.BO Stacks Against Its Sector Peers
| Metric | SOUTHBANK.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.75 | 18.79 | Better (Cheaper) |
| ROE | 13.47% | 849.00% | Weak |
| Net Margin | 11.80% | 2879.00% | Weak |
| Debt/Equity | 0.56 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.07 | 675.77 | Weak Liquidity |
| ROA | 1.00% | -20989.00% (disorted) | Weak |
SOUTHBANK.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The South Indian Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-0.22%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
837.91%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-1013.00%
Industry Style: Value, Dividend, Cyclical
Declining