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SOUTH IND.BANK vs SURYODAY SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    SOUTH IND.BANK SURYODAY SMALL FINANCE BANK SOUTH IND.BANK/
SURYODAY SMALL FINANCE BANK
 
P/E (TTM) x 6.4 8.8 72.6% View Chart
P/BV x 1.1 1.1 98.6% View Chart
Dividend Yield % 1.1 0.0 -  

Financials

 SOUTH IND.BANK   SURYODAY SMALL FINANCE BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-23
SURYODAY SMALL FINANCE BANK
Mar-23
SOUTH IND.BANK/
SURYODAY SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs22158 13.8%   
Low Rs777 9.4%   
Income per share (Unadj.) Rs34.6111.5 31.0%  
Earnings per share (Unadj.) Rs3.77.3 50.6%  
Cash flow per share (Unadj.) Rs13.532.7 41.3%  
Dividends per share (Unadj.) Rs0.300-  
Avg Dividend yield %2.10-  
Book value per share (Unadj.) Rs31.9148.5 21.5%  
Shares outstanding (eoy) m2,092.74106.16 1,971.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.41.1 39.9%   
Avg P/E ratio x3.916.1 24.4%  
Avg P/CF ratio x2.03.7 54.5%  
Avg Price/Bookvalue ratio x0.50.8 57.5%  
Dividend payout %8.10-   
Avg Mkt Cap Rs m30,41812,484 243.7%   
No. of employees `000NANA-   
Total wages & salary Rs m13,0802,424 539.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m72,33211,837 611.1%  
Other income Rs m8,114974 832.8%   
Interest expense Rs m42,2114,371 965.7%   
Net interest income Rs m30,1217,466 403.5%  
Operating expense Rs m23,1585,065 457.2%   
Gross profit Rs m6,9632,400 290.1%  
Gross profit margin %9.620.3 47.5%  
Provisions/contingencies Rs m7,3232,598 281.9%   
Profit before tax Rs m12,4681,009 1,236.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m4,715232 2,034.7%   
Profit after tax Rs m7,753777 997.9%  
Net profit margin %10.76.6 163.3%  
BALANCE SHEET DATA
Advances Rs m698,04460,151 1,160.5%   
Deposits Rs m916,50151,667 1,773.9%  
Credit/Deposit ratio x76.2116.4 65.4%  
Yield on advances %8.217.0 48.0%   
Cost of deposits %4.25.3 79.1%   
Net Interest Margin %3.28.7 36.7%  
Net fixed assets Rs m7,5391,632 462.1%   
Share capital Rs m2,0931,062 197.1%   
Free reserves Rs m64,65414,698 439.9%   
Net worth Rs m66,74615,759 423.5%   
Borrowings Rs m69,93927,654 252.9%   
Investments Rs m246,41325,702 958.7%   
Total assets Rs m1,076,97298,612 1,092.1%  
Debt/equity ratio x14.85.0 293.6%   
Return on assets %0.70.8 91.4%  
Return on equity %11.64.9 235.6%  
Capital adequacy ratio %17.333.7 51.2%  
Net NPAs %1.91.6 120.0%  
CASH FLOW
From Operations Rs m-72,608-977 7,431.7%  
From Investments Rs m-3,861-2,657 145.3%  
From Financial Activity Rs m35,2392,135 1,650.8%  
Net Cashflow Rs m-41,229-1,499 2,749.9%  

Share Holding

Indian Promoters % 0.0 22.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 22.3 19.9 111.9%  
FIIs % 14.7 2.9 504.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 77.6 128.9%  
Shareholders   888,397 94,235 942.7%  
Pledged promoter(s) holding % 0.0 22.5 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on South Ind.Bank vs SURYODAY SMALL FINANCE BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

South Ind.Bank vs SURYODAY SMALL FINANCE BANK Share Price Performance

Period South Ind.Bank SURYODAY SMALL FINANCE BANK S&P BSE BANKEX
1-Day -1.62% -1.50% 0.82%
1-Month -12.76% -15.71% 2.48%
1-Year 64.99% 74.51% 19.28%
3-Year CAGR 49.24% -15.86% 12.00%
5-Year CAGR 10.60% -10.23% 9.40%

* Compound Annual Growth Rate

Here are more details on the South Ind.Bank share price and the SURYODAY SMALL FINANCE BANK share price.

Moving on to shareholding structures...

The promoters of South Ind.Bank hold a 0.0% stake in the company. In case of SURYODAY SMALL FINANCE BANK the stake stands at 22.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of South Ind.Bank and the shareholding pattern of SURYODAY SMALL FINANCE BANK.

Finally, a word on dividends...

In the most recent financial year, South Ind.Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 8.1%.

SURYODAY SMALL FINANCE BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of South Ind.Bank, and the dividend history of SURYODAY SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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