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Tamilnad Mercantile Bank Limited (IN:TMB)
:TMB
India Market
TMB
Tamilnad Mercantile Bank Limited
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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 Q1 2027 was ₹0.50. For the 2027 fiscal year, IN:TMB's free cash flow was decreased by ₹ and operating cash flow was ₹0.29. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.06 0.07 0.13 0.12 13.51
Quick Ratio
 0.06 0.07 0.13 0.12 42.46
Cash Ratio
 0.06 0.07 0.08 0.07 24.69
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 -0.05 0.03 0.03 -0.01 -8.75
Short-Term Operating Cash Flow Coverage
 0.00 3.21 0.00 0.00 -23.13K
Net Current Asset Value
₹ -651.51B₹ -609.75B₹ -506.54B₹ -478.40B₹ -490.07B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 <0.01 <0.01 <0.01
Debt-to-Equity Ratio
 0.15 0.12 0.06 0.06 0.08
Debt-to-Capital Ratio
 0.13 0.11 0.05 0.06 0.07
Long-Term Debt-to-Capital Ratio
 0.13 0.06 0.05 0.06 0.07
Financial Leverage Ratio
 7.55 7.45 7.38 7.77 8.36
Debt Service Coverage Ratio
 0.44 0.38 0.42 0.43 0.36
Interest Coverage Ratio
 0.58 0.55 0.53 0.52 0.52
Debt to Market Cap
 0.11 0.13 0.08 0.06 0.08
Interest Debt Per Share
 310.89 283.75 220.42 201.87 158.63
Net Debt to EBITDA
 -1.26 -1.59 -2.35 -2.09 -2.82
Profitability Margins
Gross Profit Margin
50.21%50.11%51.31%50.90%57.82%
EBIT Margin
28.08%26.98%25.64%25.37%21.85%
EBITDA Margin
28.69%28.36%27.05%26.74%23.00%
Operating Profit Margin
28.08%26.98%25.64%25.37%21.85%
Pretax Profit Margin
28.08%26.98%25.64%25.37%21.85%
Net Profit Margin
20.69%19.97%19.26%19.52%21.85%
Continuous Operations Profit Margin
20.69%19.97%19.26%19.52%21.85%
Net Income Per EBT
73.69%74.04%75.09%76.93%100.00%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.81%1.78%1.78%1.74%1.78%
Return on Equity (ROE)
14.48%13.23%13.13%13.53%14.86%
Return on Capital Employed (ROCE)
12.74%13.65%12.44%11.66%1.78%
Return on Invested Capital (ROIC)
9.39%9.74%9.34%8.97%32.27%
Return on Tangible Assets
1.81%1.78%1.78%1.74%1.78%
Earnings Yield
10.31%14.58%17.90%13.71%15.95%
Efficiency Ratios
Receivables Turnover
 0.00 15.64 10.35 6.67 7.61
Payables Turnover
 0.00 29.74 28.62 30.73 13.69
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.47
Fixed Asset Turnover
 22.36 21.56 21.59 20.27 19.17
Asset Turnover
 0.09 0.09 0.09 0.09 0.08
Working Capital Turnover Ratio
 -0.25 -0.13 -0.14 -0.26 -0.25
Cash Conversion Cycle
 0.00 11.07 22.51 42.88 -750.39
Days of Sales Outstanding
 0.00 23.34 35.27 54.76 47.95
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -771.69
Days of Payables Outstanding
 0.00 12.27 12.75 11.88 26.66
Operating Cycle
 0.00 23.34 35.27 54.76 -723.74
Cash Flow Ratios
Operating Cash Flow Per Share
 -206.37 101.46 110.50 -38.56 -80.19
Free Cash Flow Per Share
 -208.99 93.36 103.85 -44.92 -85.85
CapEx Per Share
 2.62 8.11 6.65 6.36 5.66
Free Cash Flow to Operating Cash Flow
 1.01 0.92 0.94 1.16 1.07
Dividend Paid and CapEx Coverage Ratio
 -15.15 5.31 6.64 -3.39 -4.08
Capital Expenditure Coverage Ratio
 -78.71 12.52 16.62 -6.06 -14.18
Operating Cash Flow Coverage Ratio
 -2.12 1.34 3.50 -1.22 -2.42
Operating Cash Flow to Sales Ratio
 -0.47 0.24 0.28 -0.11 -0.27
Free Cash Flow Yield
-23.62%16.11%24.89%-9.10%-21.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.70 6.86 5.59 7.29 6.27
Price-to-Sales (P/S) Ratio
 2.01 1.37 1.08 1.42 1.37
Price-to-Book (P/B) Ratio
 1.33 0.91 0.73 0.99 0.93
Price-to-Free Cash Flow (P/FCF) Ratio
 -4.23 6.21 4.02 -10.99 -4.75
Price-to-Operating Cash Flow Ratio
 -4.29 5.71 3.78 -12.80 -5.08
Price-to-Earnings Growth (PEG) Ratio
 0.48 0.52 0.54 1.76 0.49
Price-to-Fair Value
 1.33 0.91 0.73 0.99 0.93
Enterprise Value Multiple
 5.73 3.24 1.62 3.23 3.14
Enterprise Value
 114.82B 61.61B 26.99B 47.48B 33.97B
EV to EBITDA
 5.73 3.24 1.62 3.23 3.14
EV to Sales
 1.64 0.92 0.44 0.86 0.72
EV to Free Cash Flow
 -3.47 4.17 1.64 -6.68 -2.50
EV to Operating Cash Flow
 -3.51 3.83 1.54 -7.78 -2.68
Tangible Book Value Per Share
 667.00 638.49 568.91 500.23 437.53
Shareholders’ Equity Per Share
 667.00 638.49 568.91 500.23 437.53
Tax and Other Ratios
Effective Tax Rate
 0.26 0.26 0.25 0.23 0.35
Revenue Per Share
 440.78 422.90 387.82 346.87 297.44
Net Income Per Share
 91.20 84.47 74.68 67.70 65.00
Tax Burden
 0.74 0.74 0.75 0.77 1.00
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.11 0.12 0.17 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -1.87 1.20 1.48 -0.57 -1.23
Currency in INR