South Indian Bank Ltd Q1 FY27 Share Price & Earnings Call Analysis

Management guidance · Q1 FY27 call

South Indian Bank Ltd ranks #28 of 32 in Banks on what management guided

Revenue: Rank 3Margin: Rank 3

Leading Banks companies on guidance

  1. 1.AU Small FinanceRevenue: Rank 2
  2. 2.Revenue: Rank 2
  3. 3.Revenue: Rank 2
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Financials of South Indian Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of South Indian Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,9732,0252,1292,1842,2752,3142,3552,3712,3732,3622,4072,5182,559
Interest1,1161,2171,2981,3651,4001,4491,4721,5011,5051,5301,5981,6371,644
Expenses +6808777778378288938528169821,022852863754
Financing Profit177-7053-1847-273054-113-189-4318161
Financing Margin %9%-3%3%-1%2%-1%1%2%-5%-8%-2%1%6%
Other Income +345361356452346422410409572622516486386
Depreciation0000000000000
Profit before tax523292409435393395440463459433472504547
Tax %36%31%33%30%27%25%26%26%25%26%26%26%25%
Net Profit +334202275305288294325342342322351374408
EPS in Rs1.280.771.051.171.101.121.241.311.311.231.341.431.56
Gross NPA %5.14%5.13%4.96%4.74%4.50%4.50%4.40%4.30%3.20%3.15%2.93%2.67%1.43%
Net NPA %1.86%1.85%1.70%1.61%1.46%1.44%1.31%1.25%0.92%0.68%0.56%0.45%0.29%

Financials of South Indian Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +5,2865,5575,8476,1936,8777,7647,3056,5877,2338,6139,4139,846
Interest3,9204,0484,1724,2274,8575,4464,8994,3474,2215,2815,9286,409
Expenses +1,3961,4501,7252,2392,2963,1363,4673,1062,6293,2283,4403,491
Financing Profit-3059-50-274-276-818-1,060-86638310445-53
Financing Margin %-1%1%-1%-4%-4%-11%-15%-13%5%1%0%-1%
Other Income +4975177168377261,0461,2291,0348131,5161,8132,009
Depreciation-16765647078838487901020
Profit before tax46851060050038015087841,1081,5291,7571,956
Tax %34%35%35%33%35%30%29%46%30%30%26%26%
Net Profit +30733339233524810562457751,0701,3031,455
EPS in Rs1.371.481.741.481.090.460.240.172.964.094.985.56
Dividend Payout %26%20%18%22%18%0%0%0%8%7%8%8%

Financials of South Indian Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital135135180181181181209209209262262262
Reserves3,4573,7114,6685,0625,1565,2965,6005,6456,4658,5659,84611,142
Deposits52,11255,72166,11772,03080,42083,03482,71189,14291,651101,920107,526123,346
Borrowing2,0322,6151,9584,0434,9036,8934,1083,2946,9943,9124,3003,927
Other Liabilities +1,3801,2941,3881,3701,6191,6281,5211,7612,3782,7542,7213,079
Total Liabilities59,11663,47574,31282,68692,27997,03394,149100,052107,698117,413124,655141,756
Fixed Assets +4694676186426777767557527549661,0181,043
CWIP1020383932244059124000
Investments14,08614,74419,43018,36319,08120,62520,32121,44524,64223,97721,77727,328
Other Assets +44,55148,24454,22663,64272,48975,60873,03377,79682,17892,469101,860113,386
Total Assets59,11663,47574,31282,68692,27997,03394,149100,052107,698117,413124,655141,756

Financials of South Indian Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +6871091,9577931,6786565,8085,165-7,2617,075-2,3533,907
Cash from Investing Activity +-173-1,398-1,842-824-1,175-1,577-1,092-1,741-386-1,9864,434-5,465
Cash from Financing Activity +-13716849836498288-138-9893,524-2,148157-561
Net Cash Flow377-1,121613333602-6334,5782,436-4,1232,9422,238-2,119
Free Cash Flow618341,8357041,5805755,7335,128-7,3706,901-2,5093,768
CFO/OP25%8%55%23%40%17%149%150%-153%142%-34%69%

Financials of South Indian Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%9%9%7%5%2%1%1%12%14%14%14%

Continue your research

What South Indian Bank Ltd's management said in earlier quarters

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