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Tamilnad Mercantile Bank Limited (IN:TMB)
:TMB
India Market
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Tamilnad Mercantile Bank Limited (TMB) Ratios

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Tamilnad Mercantile Bank Limited Ratios

IN:TMB's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:TMB's free cash flow was decreased by ₹ and operating cash flow was ₹0.51. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.08 0.38 13.51 14.60 5.38
Quick Ratio
0.08 0.38 42.46 55.89 23.99
Cash Ratio
0.08 0.24 24.69 26.75 11.33
Solvency Ratio
<0.01 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
0.00 -0.04 -8.75 9.20 -2.81
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 14.85K -8.18K
Net Current Asset Value
₹ -540.59B₹ -478.40B₹ -490.07B₹ -454.21B₹ -416.62B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 <0.01 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
0.06 0.06 0.08 <0.01 <0.01
Debt-to-Capital Ratio
0.05 0.06 0.07 <0.01 <0.01
Long-Term Debt-to-Capital Ratio
0.05 0.06 0.07 0.00 0.00
Financial Leverage Ratio
7.23 7.77 8.36 9.91 10.38
Debt Service Coverage Ratio
0.39 0.43 0.36 0.27 0.21
Interest Coverage Ratio
0.52 0.52 0.67 0.54 0.37
Debt to Market Cap
0.08 0.06 0.08 <0.01 <0.01
Interest Debt Per Share
228.42 201.87 158.63 141.65 145.36
Net Debt to EBITDA
-2.23 -2.09 -2.82 -4.50 -4.28
Profitability Margins
Gross Profit Margin
67.01%100.01%100.00%100.00%100.00%
EBIT Margin
34.00%49.85%37.80%31.16%27.65%
EBITDA Margin
34.00%52.54%39.78%32.42%28.96%
Operating Profit Margin
34.07%49.85%49.20%41.38%35.28%
Pretax Profit Margin
34.00%49.85%51.18%31.16%27.65%
Net Profit Margin
25.58%38.35%37.80%31.16%27.65%
Continuous Operations Profit Margin
25.58%38.35%37.80%31.16%27.65%
Net Income Per EBT
75.23%76.93%73.85%100.00%100.00%
EBT Per EBIT
99.80%100.00%104.02%75.31%78.38%
Return on Assets (ROA)
1.78%1.74%1.78%1.55%1.27%
Return on Equity (ROE)
13.64%13.53%14.86%15.40%13.17%
Return on Capital Employed (ROCE)
11.69%3.00%2.32%2.07%1.63%
Return on Invested Capital (ROIC)
8.79%2.31%48.02%31.79%44.02%
Return on Tangible Assets
1.78%1.74%1.78%1.55%1.27%
Earnings Yield
17.59%13.71%15.95%11.32%8.31%
Efficiency Ratios
Receivables Turnover
0.00 3.39 0.00 0.00 0.00
Payables Turnover
0.00 30.73 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
17.08 10.32 11.09 12.51 15.90
Asset Turnover
0.07 0.05 0.05 0.05 0.05
Working Capital Turnover Ratio
-0.09 -0.75 1.44 1.76 0.85
Cash Conversion Cycle
0.00 95.71 0.00 0.00 0.00
Days of Sales Outstanding
0.00 107.59 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 11.88 0.00 0.00 0.00
Operating Cycle
0.00 107.59 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -38.56 -80.19 92.98 -47.04
Free Cash Flow Per Share
0.00 -44.92 -85.85 85.46 -49.68
CapEx Per Share
0.00 6.36 5.66 7.51 2.64
Free Cash Flow to Operating Cash Flow
0.00 1.16 1.07 0.92 1.06
Dividend Paid and CapEx Coverage Ratio
0.00 -3.39 -4.08 7.43 -17.83
Capital Expenditure Coverage Ratio
0.00 -6.06 -14.18 12.38 -17.83
Operating Cash Flow Coverage Ratio
0.00 -1.22 -2.42 14.85K -8.18K
Operating Cash Flow to Sales Ratio
0.00 -0.22 -0.47 0.50 -0.31
Free Cash Flow Yield
0.00%-9.10%-21.06%16.77%-9.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
5.68 7.29 6.27 8.84 12.04
Price-to-Sales (P/S) Ratio
1.45 2.80 2.37 2.75 3.33
Price-to-Book (P/B) Ratio
0.73 0.99 0.93 1.36 1.59
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -10.99 -4.75 5.96 -10.26
Price-to-Operating Cash Flow Ratio
0.00 -12.80 -5.08 5.48 -10.83
Price-to-Earnings Growth (PEG) Ratio
3.82 1.76 0.49 0.24 0.25
Price-to-Fair Value
0.73 0.99 0.93 1.36 1.59
Enterprise Value Multiple
2.05 3.23 3.14 3.99 7.21
Enterprise Value
32.65B 47.48B 33.97B 34.11B 45.58B
EV to EBITDA
2.05 3.23 3.14 3.99 7.21
EV to Sales
0.70 1.70 1.25 1.29 2.09
EV to Free Cash Flow
0.00 -6.68 -2.50 2.80 -6.44
EV to Operating Cash Flow
0.00 -7.78 -2.68 2.57 -6.80
Tangible Book Value Per Share
588.97 500.23 437.53 374.41 321.38
Shareholders’ Equity Per Share
588.97 500.23 437.53 374.41 321.38
Tax and Other Ratios
Effective Tax Rate
0.25 0.23 0.26 0.37 0.32
Revenue Per Share
296.29 176.55 171.97 185.09 153.09
Net Income Per Share
75.78 67.70 65.00 57.67 42.34
Tax Burden
0.75 0.77 0.74 1.00 1.00
Interest Burden
1.00 1.00 1.35 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 -0.57 -1.23 1.61 -1.11
Currency in INR
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