ScoreWhy is IDBI Bank Ltd. ?
1
The Bank has a high Capital Adequacy Ratio of 18.72% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 31.01%
3
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 24,036.98 Cr
- PAT(Q) At Rs 3,627.36 cr has Grown at 85.9% (vs previous 4Q average)
- GROSS NPA(Q) Lowest at 2.65%
4
With ROA of 2.3, it has a Attractive valuation with a 1.6 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 20.14%, its profits have risen by 44.4% ; the PEG ratio of the company is 0.3
5
Despite the size of the company, domestic mutual funds hold only 1.03% 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
Consistent Returns over the last 3 years
- Along with generating 20.14% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
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, High Return
Absolute
Risk Adjusted
Volatility
IDBI Bank
20.17%
0.49
40.99%
Sensex
4.89%
0.41
11.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.81%
Net Profit Growth (5y)
31.01%
Advance to Deposit
67.74%
Capital Adequacy Ratio (Tier 1)
18.72%
Gross NPA (latest)
2.65%
Gross NPA (avg)
9.73%
Coverage Ratio (avg)
93.50%
Cost to Income (avg)
44.48%
Net Interest Margin (avg)
4.40%
Operating Profit to Assets (avg)
5.31%
ROA (avg)
1.42%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
1.59
PEG Ratio
0.25
Dividend Yield
2.11%
ROE (Latest)
14.26%
ROA (Latest)
2.31%
Net NPA to Book Value
0.70
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CF(Y)
Highest at Rs 24,036.98 Cr
PAT(Q)
At Rs 3,627.36 cr has Grown at 85.9% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 2.65%
DPS(Y)
Highest at Rs 2.10
DPR(Y)
Highest at 30.05%
CREDIT DEPOSIT RATIO(HY)
Highest at 75.85%
PBT LESS OI(Q)
At Rs 1,685.98 cr has Grown at 34.2% (vs previous 4Q average
EPS(Q)
Highest at Rs 3.37
-6What is not working for the Company
NON-OPERATING INCOME(Q)
is 59.62 % of Profit Before Tax (PBT
NET NPA(Q)
Highest at 0.21%
Loading Valuation Snapshot...
Here's what is working for IDBI Bank
Profit After Tax (PAT) - Quarterly
At Rs 3,627.36 cr has Grown at 85.9% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 1,950.82 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.65% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Operating Cash Flow - Annually
Highest at Rs 24,036.98 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,685.98 cr has Grown at 34.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,256.74 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,627.36 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.37
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Credit Deposit Ratio - Half Yearly
Highest at 75.85%
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 (%)
Dividend per Share (DPS) - Annually
Highest at Rs 2.10
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 30.05%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CAR - Quarterly
Highest at 25.39%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for IDBI Bank
Non Operating Income - Quarterly
is 59.62 % 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
Net NPA - Quarterly
Highest at 0.21%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
Non Operating Income - Quarterly
Highest at Rs 2,489.41 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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