ScoreWhy is Central Bank of India ?
1
Strong Long Term Fundamental Strength with a 43.38% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 43.38%
3
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs -2,468.93 Cr
- GROSS NPA(Q) Lowest at 3.01%
- PAT(Q) Highest at Rs 1,212.88 cr.
4
With ROA of 0.9, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -38.99%, its profits have risen by 31.8% ; the PEG ratio of the company is 0.3
5
Majority shareholders : Promoters
6
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 2.37% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -38.99% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Central Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Central Bank
-26.65%
-1.05
37.06%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.10%
Net Profit Growth (5y)
44.88%
Advance to Deposit
60.32%
Capital Adequacy Ratio (Tier 1)
12.82%
Gross NPA (latest)
2.70%
Gross NPA (avg)
7.01%
Coverage Ratio (avg)
78.78%
Cost to Income (avg)
57.80%
Net Interest Margin (avg)
3.01%
Operating Profit to Assets (avg)
3.96%
ROA (avg)
0.49%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.85
PEG Ratio
0.27
Dividend Yield
1.91%
ROE (Latest)
12.00%
ROA (Latest)
0.88%
Net NPA to Book Value
3.63
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 2.70%
PAT(Q)
Highest at Rs 1,262.60 cr.
NET NPA(Q)
Lowest at 0.45%
CREDIT DEPOSIT RATIO(HY)
Highest at 70.18%
INTEREST EARNED(Q)
Highest at Rs 9,033.36 cr
EPS(Q)
Highest at Rs 1.39
-5What is not working for the Company
PBT LESS OI(Q)
At Rs -347.11 cr has Fallen at -169.4% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 16,193.88 cr
NON-OPERATING INCOME(Q)
is 121.86 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Central Bank
Gross NPA - Quarterly
Lowest at 2.70% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,262.60 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.45% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Interest Earned - Quarterly
Highest at Rs 9,033.36 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.39
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 70.18%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Central Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -347.11 cr has Fallen at -169.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -128.87 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 121.86 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 16,193.88 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income - Quarterly
Highest at Rs 1,935.32 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
CAR - Quarterly
Lowest at 16.13%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
