Financial ServicesMid capRs 13,912 crRs 16.2 cr traded a day
Close on 2026-08-21
878.55
+1.02%
52-week range97% of the way up
421.95893.65
Market cap
13,912 cr
P/E (TTM)
9.7×
industry 17×
EPS (TTM)
90.11
Profit YoY
+43.2%
Net margin
21.6%
1 month
+9.9%
Below 52w high
1.7%
RSI (14)
56
Daily swing
2.5%
average true range
Volume
0.4×
vs 20-day average
Traded
Rs 16 cr
median day
Close200-day averageMaterial filing
260 sessions · hover for the filing behind a move
1 week
+3.43%
1 month
+9.90%
3 months
+28.62%
6 months
+27.36%
1 year
+108.01%
The read
written from the numbers on this page
The evidence leans constructive7 supporting, 0 against, 0 worth knowing
Supporting
trading 32% above its 200-day average
sitting at 97% of its 52-week range, with little overhead supply from trapped buyers
up 108% over twelve months
matches closing in on a 52-week high, which has beaten the market by +0.51 points over 20 sessions across 27,282 past signals
2 of the scans it matches have a positive measured record
4 independent kinds of evidence agree today, which is uncommon
priced at 10× earnings against an industry median of 17× — 43% below its peers
Against
nothing the data supports either way
Worth knowing
nothing the data supports either way
What would change this read: a close below 666, its 200-day average; a failure to hold the top of its 52-week range.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.
What is working, what is not
read from the filings, with the figure behind every line
Working2
Net profit +35.7% year on year, Rs 303 cr to Rs 412 cr.
+35.7%Rs 303 crRs 412 cr
Profit rose year on year in all 4 of the last 4 quarters.
4
Needs watching2
Operating cash flow was only Rs -101 cr against Rs 1,427 cr of reported profit, -7% of it.
Rs -101 crRs 1,427 cr-7%
Retail Banking is 75% of revenue, so the business rests on one segment.
Retail Banking75%
Every figure here is computed from the company’s own filings. The wording is generated directly from the figures.
How it has performed
price return over each window, measured against zero
What the scans say today
7 of 47 matched on 2026-08-21
TMB matches 7 of the 47 scans today, across 4 different kinds of evidence. Three or more independent families agreeing is uncommon — it is the same test the shortlist on every page uses.
segments and revenue mix, as the company reports them
TMB reports 3 business segments. The largest is Retail Banking at 75% of revenue in the quarter ending 2026-06-30.
SegmentRevenueSharevs a year ago
Retail Banking1,422 cr74.8%—
Treasury318 cr16.7%—
Corporate / Wholesale Banking161 cr8.5%—
Segment names are the company’s own, taken verbatim from the reportable-segment disclosure in its quarterly XBRL filing. Nothing on this page describes the business in words we wrote.
Quality of the business
balance sheet as at 2026-03-31
Net debt
4,215 cr
cash exceeds borrowings
Cash conversion
-7%
operating cash flow as a share of profit
Return on capital uses profit before tax over equity plus borrowings. The textbook version adds finance costs back; those are not tagged reliably in quarterly filings, so this understates the ratio for a heavily borrowed company rather than flattering it. Balance sheets are filed half-yearly, so these can be up to six months behind the profit figures above.
Valuation against its own history
500 sessions since 2024-09-06
6×
median 7×
9×
now 10×
TMB trades at 10× trailing earnings, above its median of 7× over this window — 48% more expensive than usual. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.
Other filing filings were typically -0.08pt vs the market over the next 5 sessions (n=12,093) · Analyst call filings were typically +0.14pt vs the market over the next 5 sessions (n=3,352)
The business
from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.
Going for it
profit rose 43% year on year
net margin widened from 20.8% to 21.6%
Going against it
nothing clear in the filed numbers
Quarter-by-quarter numbers, as filed
Quarter
Revenue
Profit before tax
Net profit
EPS
Net margin
Q1 FY27
2026-06-30 · standalone
1,901
557
412
25.99
21.6%
Q4 FY26
2026-03-31 · standalone
1,792
504
374
23.60
20.8%
Q3 FY26
2025-12-31 · standalone
1,665
467
342
21.57
20.5%
Q3 FY25
2024-12-31 · standalone
—
—
300
—
—
Q2 FY25
2024-09-30 · standalone
—
—
303
—
—
Q1 FY25
2024-06-30 · standalone
—
—
287
—
—
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.
Where the price stands
the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average+8.5%
Versus 200-day average+31.8%
Below 52-week high-1.7%
Above 52-week low+108.2%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)55.8
Higher closes in last 53 of 5
Six-month return+27.36%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)2.52%
Volume versus 20-day0.4x
Median daily turnoverRs 16.2 cr
Peers
Financial Services · 116 classified companies
TMB trades at 9.7× trailing earnings against an industry median of 17.2× across 98 other classified companies in its industry — cheaper than them, by 43%. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.
largest twelve by market capitalisation. Market cap and P/E need filed financials, so blanks are companies whose filings have not been read yet
Recent sessions
what this stock has matched since the engine went live
This is the live record, not the backtest — the scans this stock actually appeared in on each stored session. A name that keeps reappearing is in a persistent condition; a one-day appearance usually is not.