ScoreWhy is IDBI Bank Ltd. ?
1
The Bank has a high Capital Adequacy Ratio of 18.64% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 57.82%
3
Flat results in Dec 25
- PBT LESS OI(Q) At Rs 1,250.03 cr has Fallen at -10.3% (vs previous 4Q average)
- PAT(Q) At Rs 1,935.45 cr has Fallen at -19.3% (vs previous 4Q average)
- CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 13,346.08 cr
4
With ROA of 2.3, it has a Very Attractive valuation with a 1 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 -14.47%, its profits have risen by 35.7% ; the PEG ratio of the company is 0.2
5
Despite the size of the company, domestic mutual funds hold only 1.12% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
6
Below par performance in long term as well as near term
- Along with generating -14.47% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IDBI Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IDBI Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IDBI Bank
-14.47%
-0.34
43.08%
Sensex
-3.52%
-0.27
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.39%
Net Profit Growth (5y)
57.82%
Advance to Deposit
67.80%
Capital Adequacy Ratio (Tier 1)
18.64%
Gross NPA (latest)
2.57%
Gross NPA (avg)
9.04%
Coverage Ratio (avg)
93.62%
Cost to Income (avg)
44.88%
Net Interest Margin (avg)
4.21%
Operating Profit to Assets (avg)
5.06%
ROA (avg)
1.49%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
1.05
PEG Ratio
0.21
Dividend Yield
3.13%
ROE (Latest)
13.99%
ROA (Latest)
2.27%
Net NPA to Book Value
0.62
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
PAT(Latest six months)
At Rs 5,562.81 cr has Grown at 48.55%
GROSS NPA(Q)
Lowest at 2.57%
CREDIT DEPOSIT RATIO(HY)
Highest at 77.56%
-12What is not working for the Company
PBT LESS OI(Q)
At Rs 1,250.03 cr has Fallen at -10.3% (vs previous 4Q average
PAT(Q)
At Rs 1,935.45 cr has Fallen at -19.3% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 13,346.08 cr
PBDIT(Q)
Lowest at Rs 708.45 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at 10.02%
NON-OPERATING INCOME(Q)
is 49.16 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IDBI Bank
Gross NPA - Quarterly
Lowest at 2.57% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 77.56% and Grown
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 IDBI Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,250.03 cr has Fallen at -10.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,393.63 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,935.45 cr has Fallen at -19.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 2,398.54 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 708.45 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 10.02%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 49.16 % 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 13,346.08 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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