South Indian Bank Financials
NSE: SOUTHBANK | BSE: 532218
₹46.07
₹0.19
(0.41%)
As on 18-Sep-2026IST
Market cap
₹12,067 Cr
Revenue (TTM)
₹10,112 Cr
P/E Ratio
8
P/B Ratio
1
Div. Yield
1 %
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
|
10,111.87
|
9,846.50
|
9,413.31
|
8,612.81
|
7,233.18
|
6,586.54
|
|
|
|
|
|
|
Other Income
|
1,766.68
|
2,008.78
|
1,812.98
|
1,514.52
|
811.37
|
1,033.90
|
|
|
|
|
|
|
Total Income
|
11,878.55
|
11,855.28
|
11,226.29
|
10,127.33
|
8,044.55
|
7,620.43
|
|
|
|
|
|
|
Interest Expended
|
6,482.36
|
6,409.14
|
5,927.67
|
5,280.75
|
4,221.10
|
4,346.78
|
|
|
|
|
|
|
Operating Expenses
|
3,103.00
|
3,072.29
|
3,028.36
|
2,978.76
|
2,315.83
|
2,026.32
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,293.19
|
2,373.85
|
2,270.26
|
1,867.82
|
1,507.62
|
1,247.34
|
|
|
|
|
|
|
Provisions and Contingencies
|
262.42
|
417.33
|
513.20
|
338.95
|
260.86
|
1,339.56
|
|
|
|
|
|
|
Profit Before Tax
|
2,030.77
|
1,956.52
|
1,757.06
|
1,528.87
|
1,246.76
|
-92.22
|
|
|
|
|
|
|
Taxes
|
519.64
|
500.88
|
453.97
|
458.67
|
471.45
|
-137.03
|
|
|
|
|
|
|
Profit after Tax
|
1,511.13
|
1,455.64
|
1,303.09
|
1,070.20
|
775.31
|
44.81
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,511.13
|
1,455.64
|
1,303.09
|
1,070.20
|
775.31
|
44.81
|
|
|
|
|
|
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
|
11,814.71
|
11,416.34
|
10,108.03
|
8,826.34
|
6,674.74
|
5,854.25
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,25,810.86
|
1,23,340.89
|
1,07,522.22
|
1,01,919.11
|
91,650.07
|
89,141.74
|
|
|
|
|
|
|
Borrowings
|
3,606.94
|
3,927.01
|
4,300.48
|
3,912.09
|
6,993.85
|
3,294.49
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
3,218.32
|
3,072.22
|
2,724.34
|
2,754.94
|
2,378.51
|
1,761.38
|
|
|
|
|
|
|
Total Liabilities
|
1,44,450.83
|
1,41,756.46
|
1,24,655.07
|
1,17,412.48
|
1,07,697.16
|
1,00,051.87
|
|
|
|
|
|
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
|
4,779.95
|
6,182.95
|
5,097.70
|
6,659.70
|
4,639.22
|
7,276.61
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
4,859.85
|
3,957.79
|
7,162.39
|
3,362.48
|
2,441.27
|
3,926.82
|
|
|
|
|
|
|
Investments
|
26,455.87
|
27,327.21
|
21,776.68
|
23,976.52
|
24,641.30
|
21,444.51
|
|
|
|
|
|
|
Advances
|
1,03,324.90
|
99,259.80
|
85,682.07
|
78,060.65
|
69,804.44
|
59,993.39
|
|
|
|
|
|
|
Net Block
|
1,040.90
|
1,042.84
|
1,018.30
|
966.49
|
877.93
|
811.07
|
|
|
|
|
|
|
Other Assets
|
3,989.36
|
3,985.87
|
3,917.92
|
4,386.65
|
5,293.00
|
6,599.47
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,44,450.83
|
1,41,756.46
|
1,24,655.07
|
1,17,412.48
|
1,07,697.16
|
1,00,051.87
|
|
|
|
|
|
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
|
--
|
3,906.64
|
-2,352.95
|
7,075.21
|
-7,260.82
|
5,165.34
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-5,464.95
|
4,434.02
|
-1,985.91
|
-386.06
|
-1,740.60
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-561.04
|
156.85
|
-2,147.61
|
3,523.93
|
-989.19
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-2,119.35
|
2,237.92
|
2,941.69
|
-4,122.94
|
2,435.55
|
|
|
|
|
|
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 (₹)
|
5.77
|
5.56
|
4.98
|
4.09
|
3.40
|
0.20
|
|
|
|
|
|
|
Cash EPS (₹)
|
5.77
|
6.00
|
5.37
|
4.44
|
3.79
|
0.57
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
45.06
|
43.57
|
38.61
|
33.73
|
29.30
|
25.69
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.98
|
0.45
|
0.40
|
0.30
|
0.28
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
14.92
|
-8.99
|
27.05
|
-34.70
|
24.68
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
12.30
|
-13.32
|
23.97
|
-42.10
|
15.31
|
|
|
|
|
|
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
|
--
|
9.92
|
10.99
|
11.03
|
10.36
|
10.98
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.97
|
8.33
|
7.80
|
3.74
|
5.16
|
|
|
|
|
|
|
Interest Spread
|
--
|
4.88
|
5.69
|
6.04
|
6.08
|
6.28
|
|
|
|
|
|
|
NIM (%)
|
--
|
2.51
|
2.91
|
2.97
|
2.97
|
2.42
|
|
|
|
|
|
|
ROE (%)
|
13.23
|
13.54
|
13.77
|
13.81
|
12.38
|
0.77
|
|
|
|
|
|
|
ROA (%)
|
1.11
|
1.09
|
1.08
|
0.95
|
0.75
|
0.04
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
56.41
|
57.15
|
61.46
|
60.57
|
61.90
|
|
|
|
|
|
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 (%)
|
6.88
|
4.60
|
9.29
|
19.07
|
9.82
|
--
|
|
|
|
|
|
|
EBIT Growth (%)
|
24.71
|
4.56
|
21.55
|
23.89
|
20.87
|
--
|
|
|
|
|
|
|
Net Profit Growth (%)
|
5.13
|
11.71
|
21.76
|
38.03
|
1,630.29
|
--
|
|
|
|
|
|
|
EPS Growth (%)
|
13.49
|
11.65
|
21.74
|
20.20
|
1,630.26
|
--
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
12.91
|
14.47
|
32.20
|
14.04
|
--
|
|
|
|
|
|
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
|
7.99
|
6.15
|
4.63
|
6.67
|
3.63
|
35.12
|
|
|
|
|
|
|
Price / Book Value
|
1.02
|
0.79
|
0.60
|
0.81
|
0.46
|
0.27
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.98
|
1.32
|
1.73
|
1.10
|
2.05
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
4.28
|
5.43
|
4.55
|
5.92
|
6.67
|
3.90
|
|
|
|
|
|
|
Close Price (₹)
|
45.63
|
34.22
|
23.07
|
27.25
|
13.46
|
6.89
|
|
|
|
|
|
|
High Price (₹)
|
49.80
|
46.85
|
31.82
|
36.90
|
20.03
|
12.82
|
|
|
|
|
|
|
Low Price (₹)
|
28.11
|
22.12
|
22.27
|
12.63
|
6.66
|
6.84
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
12,067.12
|
8,952.44
|
6,035.81
|
7,139.16
|
3,059.63
|
1,573.74
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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