| ROE - latest yr | Net profit as a proportion of net worth (shareholder's funds) for the latest financial year. Indicates the returns earned on equity stakeholder's investment. |
| ROE - 3 year avg | Average return on equity for the past 3 financial years |
| ROCE - latest yr | Net profit before interest and tax as a proportion of shareholder's funds plus long-term debt. Gives the returns earned on equity and debt capital. Useful metric for companies that borrow to grow their business. |
| ROCE - 3 year avg | Average return on capital employed for the past 3 financial years |
| ROA - latest yr | Net profit as a proportion of total assets of a company. Indicates how well a company uses its assets. A higher number indicates better asset utilisation |
| Latest D/E Ratio | Total liabilities as a proportion of shareholders' funds. A higher ratio indicates that a company borrows more. A very high ratio may be an indicator of higher risk. |
| Interest coverage ratio - latest yr | Earnings before interest and tax divided by the borrowing cost or interest expenses of a company. Suggests if the profits are adequate to cover interest cost |
| GNPA% | Gross non-performing asset is a proportion of a bank's total loans on which borrowers have defaulted on payments. A higher ratio indicates higher business risk. |
| NNPA% | Net non-performing asset is a proportion of a bank's GNPA after deducting provisions for doubtful debts and any claims/interest received but kept separately even so. This is the real potential bad loans for a bank after netting for provisions already created. |
| Loan book - latest yr | The total outstanding loans and advances issued by the bank at the end of a financial year |
| Loan book growth % - 3 yr CAGR | Compounded annual growth in loan book in the last 3 financial years |
| Operating cash flow/EBITDA (%) | Operating cash flow of a company as a proportion of total operating profits. Used to assess the quality of profits. A higher proportion indicates high quality of earnings. |
| No. of yrs of +ve cash flow in 3 yrs | Number of years in that past 3 financial years that operating cash flow was positive |
| Cash conversion cycle | Calculated by reducing the creditor days from the sum of inventory and debtor days. Lower days indicates quick turnaround of working capital. A negative cash conversion cycle generally indicates better working capital management. |
| Div. payout - 3 year avg | Average of the last 3 years' ratio of dividend per share to earnings per share |
| CASA % | The proportion of current and savings account balance in a bank to its total deposits. A higher % indicates cheaper source of funding |
| CAR | Capital adequacy ratio is the proportion of a bank's available capital to its total risk-weighted credit exposure (loans). RBI prescribes the minimum CAR value that banks need to maintain to ensure that they are capitalised well enough to absorb the risks arising from the lending business. |
