| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2,129 | 2,184 | 2,275 | 2,314 | 2,355 | 2,371 | 2,373 | 2,362 | 2,407 | 2,518 | 2,559 | 2,628 | |
Growth YoY Revenue Growth YoY% | 22.4 | 15.1 | 15.3 | 14.3 | 10.6 | 8.6 | 4.3 | 2.1 | 2.2 | 6.2 | 7.8 | 11.2 |
Interest Expended Interest ExpendedCr | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,501 | 1,505 | 1,530 | 1,598 | 1,637 | 1,644 | 1,603 |
Expenses ExpensesCr | 777 | 836 | 828 | 893 | 852 | 815 | 981 | 1,021 | 852 | 862 | 755 | 897 |
| 54 | -17 | 47 | -27 | 30 | 54 | -113 | -188 | -43 | 18 | 161 | 128 | |
FPM FPM% | 2.5 | -0.8 | 2.0 | -1.2 | 1.3 | 2.3 | -4.8 | -8.0 | -1.8 | 0.7 | 6.3 | 4.9 |
| 355 | 452 | 346 | 422 | 410 | 409 | 572 | 622 | 516 | 486 | 386 | 380 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 | 473 | 504 | 547 | 508 |
| 134 | 130 | 105 | 101 | 116 | 121 | 117 | 111 | 121 | 130 | 139 | 130 | |
| 275 | 305 | 287 | 294 | 325 | 342 | 342 | 322 | 352 | 374 | 407 | 378 | |
Growth YoY PAT Growth YoY% | 23.1 | 196.5 | -13.8 | 45.1 | 18.1 | 12.0 | 19.2 | 9.6 | 8.3 | 9.5 | 19.0 | 17.2 |
NPM NPM% | 12.9 | 14.0 | 12.6 | 12.7 | 13.8 | 14.4 | 14.4 | 13.6 | 14.6 | 14.9 | 15.9 | 14.4 |
| 1.2 | 1.3 | 1.4 | 1.1 | 1.2 | 1.3 | 1.3 | 1.2 | 1.3 | 1.4 | 1.6 | 1.4 | |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2,129 | 2,184 | 2,275 | 2,314 | 2,355 | 2,371 | 2,373 | 2,362 | 2,407 | 2,518 | 2,559 | 2,628 | |
Growth YoY Revenue Growth YoY% | 22.4 | 15.1 | 15.3 | 14.3 | 10.6 | 8.6 | 4.3 | 2.1 | 2.2 | 6.2 | 7.8 | 11.2 |
Interest Expended Interest ExpendedCr | 1,298 | 1,365 | 1,400 | 1,449 | 1,472 | 1,501 | 1,505 | 1,530 | 1,598 | 1,637 | 1,644 | 1,603 |
Expenses ExpensesCr | 777 | 836 | 828 | 893 | 852 | 815 | 981 | 1,021 | 852 | 862 | 755 | 897 |
| 54 | -17 | 47 | -27 | 30 | 54 | -113 | -188 | -43 | 18 | 161 | 128 | |
FPM FPM% | 2.5 | -0.8 | 2.0 | -1.2 | 1.3 | 2.3 | -4.8 | -8.0 | -1.8 | 0.7 | 6.3 | 4.9 |
| 355 | 452 | 346 | 422 | 410 | 409 | 572 | 622 | 516 | 486 | 386 | 380 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 409 | 435 | 393 | 395 | 440 | 463 | 459 | 433 | 473 | 504 | 547 | 508 |
| 134 | 130 | 105 | 101 | 116 | 121 | 117 | 111 | 121 | 130 | 139 | 130 | |
| 275 | 305 | 287 | 294 | 325 | 342 | 342 | 322 | 352 | 374 | 407 | 378 | |
Growth YoY PAT Growth YoY% | 23.1 | 196.5 | -13.8 | 45.1 | 18.1 | 12.0 | 19.2 | 9.6 | 8.3 | 9.5 | 19.0 | 17.2 |
NPM NPM% | 12.9 | 14.0 | 12.6 | 12.7 | 13.8 | 14.4 | 14.4 | 13.6 | 14.6 | 14.9 | 15.9 | 14.4 |
| 1.2 | 1.3 | 1.4 | 1.1 | 1.2 | 1.3 | 1.3 | 1.2 | 1.3 | 1.4 | 1.6 | 1.4 | |
| Financial Year | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 7,305 | 6,587 | 7,233 | 8,613 | 9,413 | 9,847 | 10,112 |
Growth Revenue Growth% | -9.8 | 9.8 | 19.1 | 9.3 | 4.6 | 6.9 | |
Interest Expended Interest ExpendedCr | 4,899 | 4,347 | 4,221 | 5,281 | 5,928 | 6,409 | 6,482 |
Expenses ExpensesCr | 3,549 | 3,282 | 2,627 | 3,227 | 3,440 | 3,375 | 3,365 |
| -1,143 | -1,042 | 385 | 105 | 46 | 63 | 264 | |
FPM FPM% | -15.6 | -15.8 | 5.3 | 1.2 | 0.5 | 0.6 | 2.6 |
| 1,229 | 1,034 | 811 | 1,515 | 1,813 | 2,009 | 1,767 | |
Depreciation DepreciationCr | 84 | 87 | 90 | 102 | 115 | 0 | |
PBT PBTCr | 87 | -92 | 1,109 | 1,529 | 1,757 | 1,957 | 2,031 |
| 25 | -137 | 333 | 459 | 454 | 501 | 520 | |
PAT PATCr | 62 | 45 | 775 | 1,070 | 1,303 | 1,456 | 1,511 |
Growth PAT Growth% | -27.6 | 1,630.3 | 38.0 | 21.8 | 11.7 | 13.5 | |
NPM NPM% | 0.8 | 0.7 | 10.7 | 12.4 | 13.8 | 14.8 | 14.9 |
| 0.3 | 0.2 | 3.2 | 5.1 | 5.0 | 5.6 | 5.8 |
| Financial Year | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 7,305 | 6,587 | 7,233 | 8,613 | 9,413 | 9,847 | 10,112 |
Growth Revenue Growth% | -9.8 | 9.8 | 19.1 | 9.3 | 4.6 | 6.9 | |
Interest Expended Interest ExpendedCr | 4,899 | 4,347 | 4,221 | 5,281 | 5,928 | 6,409 | 6,482 |
Expenses ExpensesCr | 3,549 | 3,282 | 2,627 | 3,227 | 3,440 | 3,375 | 3,365 |
| -1,143 | -1,042 | 385 | 105 | 46 | 63 | 264 | |
FPM FPM% | -15.6 | -15.8 | 5.3 | 1.2 | 0.5 | 0.6 | 2.6 |
| 1,229 | 1,034 | 811 | 1,515 | 1,813 | 2,009 | 1,767 | |
Depreciation DepreciationCr | 84 | 87 | 90 | 102 | 115 | 0 | |
PBT PBTCr | 87 | -92 | 1,109 | 1,529 | 1,757 | 1,957 | 2,031 |
| 25 | -137 | 333 | 459 | 454 | 501 | 520 | |
PAT PATCr | 62 | 45 | 775 | 1,070 | 1,303 | 1,456 | 1,511 |
Growth PAT Growth% | -27.6 | 1,630.3 | 38.0 | 21.8 | 11.7 | 13.5 | |
NPM NPM% | 0.8 | 0.7 | 10.7 | 12.4 | 13.8 | 14.8 | 14.9 |
| 0.3 | 0.2 | 3.2 | 5.1 | 5.0 | 5.6 | 5.8 |
| Financial Year | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 209 | 209 | 262 | 262 | 262 |
Reserves ReservesCr | 5,645 | 6,465 | 8,565 | 9,846 | 11,155 |
Deposits DepositsCr | 89,142 | 91,650 | 1,01,919 | 1,07,522 | 1,23,341 |
Borrowings BorrowingsCr | 3,294 | 6,994 | 3,912 | 4,300 | 3,927 |
Other Liabilities Other LiabilitiesCr | 1,761 | 2,379 | 2,755 | 2,724 | 3,072 |
Total Liabilities Total LiabilitiesCr | 1,00,052 | 1,07,697 | 1,17,412 | 1,24,655 | 1,41,756 |
| 811 | 878 | 966 | 1,018 | 1,043 | |
Investments InvestmentsCr | 21,445 | 24,641 | 23,977 | 21,777 | 27,327 |
Advances AdvancesCr | 66,358 | 75,076 | 82,447 | 89,600 | 1,03,246 |
Cash Equivalents Cash EquivalentsCr | 11,203 | 7,080 | 10,022 | 12,260 | 10,141 |
Other Assets Other AssetsCr | 234 | 21 | 0 | 0 | 0 |
Total Assets Total AssetsCr | 1,00,052 | 1,07,697 | 1,17,412 | 1,24,655 | 1,41,756 |
| Financial Year | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 209 | 209 | 262 | 262 | 262 |
Reserves ReservesCr | 5,645 | 6,465 | 8,565 | 9,846 | 11,155 |
Deposits DepositsCr | 89,142 | 91,650 | 1,01,919 | 1,07,522 | 1,23,341 |
Borrowings BorrowingsCr | 3,294 | 6,994 | 3,912 | 4,300 | 3,927 |
Other Liabilities Other LiabilitiesCr | 1,761 | 2,379 | 2,755 | 2,724 | 3,072 |
Total Liabilities Total LiabilitiesCr | 1,00,052 | 1,07,697 | 1,17,412 | 1,24,655 | 1,41,756 |
| 811 | 878 | 966 | 1,018 | 1,043 | |
Investments InvestmentsCr | 21,445 | 24,641 | 23,977 | 21,777 | 27,327 |
Advances AdvancesCr | 66,358 | 75,076 | 82,447 | 89,600 | 1,03,246 |
Cash Equivalents Cash EquivalentsCr | 11,203 | 7,080 | 10,022 | 12,260 | 10,141 |
Other Assets Other AssetsCr | 234 | 21 | 0 | 0 | 0 |
Total Assets Total AssetsCr | 1,00,052 | 1,07,697 | 1,17,412 | 1,24,655 | 1,41,756 |
| Financial Year | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| 5,165 | -7,261 | 7,075 | -2,353 | 3,907 | |
| -1,741 | -386 | -1,986 | 4,434 | -5,465 | |
| -989 | 3,524 | -2,148 | 157 | -561 | |
Net Cash Flow Net Cash FlowCr | 2,436 | -4,123 | 2,942 | 2,238 | -2,119 |
Free Cash Flow Free Cash FlowCr | 5,128 | -7,370 | 6,901 | -2,509 | 3,768 |
CFO To EBITDA CFO To EBITDA% | -495.7 | -1,887.8 | 6,755.3 | -5,130.0 | 6,232.9 |
| Financial Year | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| 5,165 | -7,261 | 7,075 | -2,353 | 3,907 | |
| -1,741 | -386 | -1,986 | 4,434 | -5,465 | |
| -989 | 3,524 | -2,148 | 157 | -561 | |
Net Cash Flow Net Cash FlowCr | 2,436 | -4,123 | 2,942 | 2,238 | -2,119 |
Free Cash Flow Free Cash FlowCr | 5,128 | -7,370 | 6,901 | -2,509 | 3,768 |
CFO To EBITDA CFO To EBITDA% | -495.7 | -1,887.8 | 6,755.3 | -5,130.0 | 6,232.9 |
| Financial Year | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 1,574 | 3,060 | 7,139 | 6,036 | 8,952 | 11,871 | |
Price To Earnings Price To Earnings | 35.8 | 4.0 | 6.7 | 4.6 | 6.2 | 7.8 | |
Price To Sales Price To Sales | 0.2 | 0.4 | 0.8 | 0.6 | 0.9 | 1.2 | |
Price To Book Price To Book | 0.3 | 0.5 | 0.8 | 0.6 | 0.8 | 1.0 | |
EV To EBITDA EV To EBITDA | 6.1 | 7.7 | 9.8 | -41.9 | 43.7 | 499.2 | |
FPM FPM% | -15.6 | -15.8 | 5.3 | 1.2 | 0.5 | 0.6 | 2.6 |
NPM NPM% | 0.8 | 0.7 | 10.7 | 12.4 | 13.8 | 14.8 | 14.9 |
ROCE ROCE% | 4.3 | 5.1 | 5.9 | 6.3 | 6.0 | 6.0 | |
ROE ROE% | 0.8 | 11.6 | 12.1 | 12.9 | 12.8 | 12.8 | |
ROA ROA% | 0.0 | 0.7 | 0.9 | 1.1 | 1.0 | 1.0 | |
| Financial Year | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 1,574 | 3,060 | 7,139 | 6,036 | 8,952 | 11,871 | |
Price To Earnings Price To Earnings | 35.8 | 4.0 | 6.7 | 4.6 | 6.2 | 7.8 | |
Price To Sales Price To Sales | 0.2 | 0.4 | 0.8 | 0.6 | 0.9 | 1.2 | |
Price To Book Price To Book | 0.3 | 0.5 | 0.8 | 0.6 | 0.8 | 1.0 | |
EV To EBITDA EV To EBITDA | 6.1 | 7.7 | 9.8 | -41.9 | 43.7 | 499.2 | |
FPM FPM% | -15.6 | -15.8 | 5.3 | 1.2 | 0.5 | 0.6 | 2.6 |
NPM NPM% | 0.8 | 0.7 | 10.7 | 12.4 | 13.8 | 14.8 | 14.9 |
ROCE ROCE% | 4.3 | 5.1 | 5.9 | 6.3 | 6.0 | 6.0 | |
ROE ROE% | 0.8 | 11.6 | 12.1 | 12.9 | 12.8 | 12.8 | |
ROA ROA% | 0.0 | 0.7 | 0.9 | 1.1 | 1.0 | 1.0 | |
Documents — South Indian Bank Ltd
Concall Transcript Summaries — South Indian Bank Ltd