Lakshmi Vilas Bank Ltd(Merged)

Lak. Vilas Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Lakshmi Vilas Bank Ltd(Merged)

₹ 7.65 4.79%
25 Nov 2020
lvbank.com BSE: 534690 NSE: LAKSHVILAS
About

Lakshmi Vilas Bank is engaged in the business of Banking.

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Website BSE NSE
  • Market Cap ₹ 258 Cr.
  • Current Price ₹ 7.65
  • High / Low ₹ /
  • Stock P/E
  • Book Value ₹ 36.5
  • Dividend Yield 0.00 %
  • ROCE 2.22 %
  • ROE -53.5 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.21 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -0.07% over past five years.
  • Company has a low return on equity of -39.2% over last 3 years.
  • Contingent liabilities of Rs.8,501 Cr.
  • Earnings include an other income of Rs.411 Cr.
  • Working capital days have increased from 52.0 days to 120 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Figures in Rs. Crores

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
779 790 703 727 729 701 682 624 607 520 455 442 420
365 286 1,149 345 399 656 698 414 525 526 476 299 551
Operating Profit 414 504 -447 382 330 45 -15 210 82 -5 -21 143 -131
OPM % 53% 64% -64% 52% 45% 6% -2% 34% 14% -1% -5% 32% -31%
124 27 38 61 71 61 57 53 58 65 175 96 74
Interest 546 570 582 597 578 563 542 500 498 394 386 352 341
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -8 -39 -991 -155 -177 -456 -500 -237 -357 -334 -233 -112 -397
Tax % -231% 0% -37% -20% -25% -18% -47% 0% 0% 0% -140% 0% 0%
10 -39 -622 -124 -132 -373 -264 -237 -357 -334 93 -112 -397
EPS in Rs 0.41 -1.53 -24.31 -4.84 -5.17 -14.59 -8.27 -7.42 -10.61 -9.93 2.76 -3.33 -11.79
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
658 909 1,065 1,519 1,761 1,984 2,215 2,568 2,847 3,042 2,840 2,207 1,838
172 304 358 380 426 649 607 701 857 2,029 2,032 1,858 1,853
Operating Profit 486 605 707 1,140 1,335 1,335 1,608 1,867 1,989 1,012 808 348 -15
OPM % 74% 67% 66% 75% 76% 67% 73% 73% 70% 33% 28% 16% -1%
112 104 137 158 197 204 284 305 503 347 250 351 411
Interest 504 660 700 1,148 1,369 1,498 1,688 1,923 2,064 2,251 2,280 1,779 1,473
Depreciation 13 17 20 24 25 24 16 38 48 59 67 83 0
Profit before tax 82 31 124 126 138 17 188 211 380 -951 -1,289 -1,162 -1,077
Tax % 38% 2% 19% 15% 34% -241% 30% 15% 33% -38% -31% -28%
50 31 101 107 92 60 132 180 256 -585 -894 -836 -751
EPS in Rs 1.29 4.24 4.49 3.84 2.50 5.54 7.53 10.03 -22.85 -27.95 -24.83 -22.29
Dividend Payout % 24% 19% 24% 32% 32% 16% 27% 30% 20% 0% 0% 0%
Compounded Sales Growth
10 Years: 9%
5 Years: 0%
3 Years: -8%
TTM: -30%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 39%
Stock Price CAGR
10 Years: -21%
5 Years: -17%
3 Years: %
1 Year: %
Return on Equity
10 Years: -10%
5 Years: -20%
3 Years: -39%
Last Year: -54%

Balance Sheet

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity Capital 49 98 98 98 98 98 179 179 191 256 320 337
Reserves 405 641 795 861 917 956 1,377 1,584 1,945 2,072 1,573 893
7,504 9,409 11,875 14,694 16,099 19,031 22,422 26,154 32,326 37,322 30,201 22,199
350 338 506 488 536 548 708 753 782 779 953 993
Total Liabilities 8,308 10,486 13,273 16,140 17,650 20,633 24,687 28,670 35,245 40,429 33,046 24,422
54 66 179 189 190 201 243 367 359 402 470 459
CWIP 0 0 0 0 0 0 0 0 0 0 0 4
Investments 1,863 2,983 3,519 4,395 4,325 5,689 6,051 6,545 8,652 10,768 8,430 5,384
6,391 7,437 9,575 11,556 13,135 14,744 18,392 21,758 26,234 29,259 24,146 18,574
Total Assets 8,308 10,486 13,273 16,140 17,650 20,633 24,687 28,670 35,245 40,429 33,046 24,422

Cash Flows

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
301 -328 281 -360 86 504 -335 111 227 -132 -171 -425
-27 -29 -53 -35 -28 -36 -59 -67 -40 -102 -117 -77
-7 309 -36 216 -33 -29 401 7 68 625 442 173
Net Cash Flow 267 -48 193 -180 25 440 7 50 255 391 154 -329

Ratios

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -49 -9 -19 4 -1 -12 -10 -8 4 28 8 120
ROCE % 8% 8% 7% 9% 9% 8% 9% 8% 8% 4% 3% 2%

Shareholding Pattern

Numbers in percentages

Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020
9.02% 8.99% 8.98% 8.80% 8.88% 7.11% 7.11% 6.81% 6.78% 6.80% 6.80% 6.80%
6.86% 6.64% 5.28% 5.09% 4.38% 16.56% 16.45% 12.25% 11.55% 11.11% 10.45% 8.65%
3.70% 3.68% 3.56% 3.59% 3.71% 3.30% 3.20% 7.37% 6.86% 6.84% 6.82% 6.82%
0.22% 0.16% 0.16% 0.16% 0.20% 0.16% 0.00% 0.15% 0.17% 0.17% 0.17% 0.17%
80.20% 80.52% 82.02% 82.35% 82.83% 72.87% 73.24% 73.41% 74.63% 75.08% 75.75% 77.56%
No. of Shareholders 84,43186,89584,98783,81581,75983,51990,13891,17385,98089,76092,40798,002

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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