Tamilnad Mercantile Financials
NSE: TMB | BSE: 543596
₹886.35
₹-9.40
(-1.05%)
As on 21-Sep-2026IST
Market cap
₹14,037 Cr
Revenue (TTM)
₹6,096 Cr
P/E Ratio
9.7
P/B Ratio
1.3
Div. Yield
1.4 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
6,095.61
|
5,819.41
|
5,291.27
|
4,847.91
|
4,081.04
|
3,833.86
|
|
|
|
|
|
|
Other Income
|
884.20
|
877.08
|
850.49
|
644.95
|
629.11
|
812.26
|
|
|
|
|
|
|
Total Income
|
6,979.81
|
6,696.49
|
6,141.75
|
5,492.86
|
4,710.15
|
4,646.12
|
|
|
|
|
|
|
Interest Expended
|
3,382.81
|
3,292.15
|
2,990.34
|
2,697.02
|
1,986.92
|
2,018.63
|
|
|
|
|
|
|
Operating Expenses
|
1,542.96
|
1,549.11
|
1,405.67
|
1,314.06
|
1,150.39
|
1,111.04
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,054.04
|
1,855.23
|
1,745.74
|
1,481.78
|
1,572.84
|
1,516.45
|
|
|
|
|
|
|
Provisions and Contingencies
|
94.22
|
48.64
|
170.85
|
88.20
|
179.20
|
391.84
|
|
|
|
|
|
|
Profit Before Tax
|
1,959.82
|
1,806.60
|
1,574.89
|
1,393.58
|
1,393.64
|
1,124.61
|
|
|
|
|
|
|
Taxes
|
515.65
|
469.05
|
392.28
|
321.55
|
364.38
|
302.70
|
|
|
|
|
|
|
Profit after Tax
|
1,444.17
|
1,337.55
|
1,182.61
|
1,072.03
|
1,029.26
|
821.91
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,444.17
|
1,337.55
|
1,182.61
|
1,072.03
|
1,029.26
|
821.91
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
10,562.02
|
10,110.16
|
9,008.69
|
7,921.20
|
6,928.35
|
5,335.71
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
64,408.69
|
61,712.35
|
53,688.96
|
49,515.07
|
47,766.49
|
44,933.11
|
|
|
|
|
|
|
Borrowings
|
1,540.21
|
700.00
|
500.00
|
1,301.15
|
525.00
|
--
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
3,275.13
|
2,777.08
|
3,252.22
|
2,815.03
|
2,675.53
|
2,589.67
|
|
|
|
|
|
|
Total Liabilities
|
79,786.05
|
75,299.60
|
66,449.87
|
61,552.46
|
57,895.37
|
52,858.49
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
2,704.05
|
2,520.61
|
2,650.37
|
2,230.13
|
2,102.57
|
2,113.11
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
1,368.74
|
1,694.33
|
1,757.87
|
1,337.99
|
1,479.41
|
1,738.89
|
|
|
|
|
|
|
Investments
|
16,202.27
|
15,692.68
|
15,100.80
|
15,262.60
|
14,156.04
|
13,242.37
|
|
|
|
|
|
|
Advances
|
57,040.50
|
53,122.66
|
43,983.67
|
39,733.75
|
37,289.69
|
33,491.54
|
|
|
|
|
|
|
Net Block
|
312.09
|
310.56
|
284.48
|
270.98
|
245.65
|
210.84
|
|
|
|
|
|
|
Other Assets
|
2,158.40
|
1,958.76
|
2,672.67
|
2,717.01
|
2,622.01
|
2,061.74
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
79,786.05
|
75,299.60
|
66,449.87
|
61,552.46
|
57,895.37
|
52,858.49
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-100.87
|
1,898.84
|
-610.54
|
-1,269.80
|
1,325.01
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-118.25
|
-99.21
|
-100.30
|
-88.60
|
-106.83
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
25.81
|
-959.50
|
696.98
|
1,088.38
|
-71.26
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-193.31
|
840.12
|
-13.86
|
-270.02
|
1,146.93
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
91.20
|
84.47
|
74.68
|
67.70
|
65.00
|
57.67
|
|
|
|
|
|
|
Cash EPS (₹)
|
91.20
|
90.31
|
80.13
|
72.45
|
68.40
|
60.00
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
667.00
|
638.46
|
568.90
|
500.23
|
437.53
|
374.41
|
|
|
|
|
|
|
Dividend per Share (₹)
|
1.40
|
12.50
|
11.00
|
10.00
|
10.00
|
10.00
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-6.37
|
119.91
|
-38.56
|
-80.19
|
92.98
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-18.98
|
101.23
|
-45.89
|
-97.30
|
36.01
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.95
|
12.03
|
12.20
|
10.94
|
11.45
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.05
|
6.91
|
6.76
|
6.43
|
6.72
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.68
|
6.51
|
6.89
|
6.83
|
6.95
|
|
|
|
|
|
|
NIM (%)
|
4.29
|
3.46
|
3.62
|
3.67
|
3.81
|
3.59
|
|
|
|
|
|
|
ROE (%)
|
14.20
|
13.99
|
13.97
|
14.44
|
16.79
|
16.58
|
|
|
|
|
|
|
ROA (%)
|
1.96
|
1.89
|
1.85
|
1.80
|
1.86
|
1.64
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
45.50
|
44.60
|
47.00
|
42.24
|
42.29
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
12.96
|
9.98
|
9.15
|
18.79
|
6.45
|
6.23
|
|
|
|
|
|
|
EBIT Growth (%)
|
39.07
|
6.27
|
17.81
|
-5.79
|
3.72
|
26.14
|
|
|
|
|
|
|
Net Profit Growth (%)
|
17.24
|
13.10
|
10.31
|
4.16
|
25.23
|
36.23
|
|
|
|
|
|
|
EPS Growth (%)
|
20.33
|
13.10
|
10.31
|
4.16
|
12.70
|
36.23
|
|
|
|
|
|
|
Book Value Growth (%)
|
13.23
|
12.23
|
13.73
|
14.33
|
29.85
|
16.50
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
9.72
|
6.87
|
5.50
|
7.17
|
6.28
|
--
|
|
|
|
|
|
|
Price / Book Value
|
1.33
|
0.91
|
0.72
|
0.97
|
0.93
|
--
|
|
|
|
|
|
|
Dividend Yield (%)
|
1.41
|
2.15
|
2.68
|
2.06
|
2.45
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
5.95
|
5.33
|
4.01
|
6.07
|
4.45
|
0.09
|
|
|
|
|
|
|
Close Price (₹)
|
733.45
|
579.40
|
410.90
|
485.60
|
407.60
|
--
|
|
|
|
|
|
|
High Price (₹)
|
798.25
|
721.00
|
513.55
|
611.35
|
548.50
|
--
|
|
|
|
|
|
|
Low Price (₹)
|
411.80
|
401.00
|
403.35
|
396.05
|
396.30
|
--
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
14,037.06
|
9,188.86
|
6,504.03
|
7,687.33
|
6,466.41
|
--
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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