ScoreWhy is Indian Bank ?
1
Strong lending practices with low Gross NPA ratio of 1.86%
2
Strong Long Term Fundamental Strength with a 26.69% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 26.69%
4
With a growth in Operating Profit of 5.14%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 17 consecutive quarters
- OPERATING CF(Y) Highest at Rs 18,785.01 Cr
- GROSS NPA(Q) Lowest at 1.86%
- NII(Q) Highest at Rs 7,434.76 cr
5
With ROA of 1.2, it has a Fair valuation with a 1.5 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 38.88%, its profits have risen by 8.4% ; the PEG ratio of the company is 1.2
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Indian Bank should be less than 10%
- Overall Portfolio exposure to Public 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 Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Indian Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Indian Bank
38.88%
1.18
32.87%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.77%
Net Profit Growth (5y)
26.69%
Advance to Deposit
74.18%
Capital Adequacy Ratio (Tier 1)
14.45%
Gross NPA (latest)
1.86%
Gross NPA (avg)
4.45%
Coverage Ratio (avg)
87.96%
Cost to Income (avg)
45.57%
Net Interest Margin (avg)
3.16%
Operating Profit to Assets (avg)
4.15%
ROA (avg)
1.01%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
1.48
PEG Ratio
1.15
Dividend Yield
2.02%
ROE (Latest)
15.18%
ROA (Latest)
1.24%
Net NPA to Book Value
1.21
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
OPERATING CF(Y)
Highest at Rs 18,785.01 Cr
GROSS NPA(Q)
Lowest at 1.86%
NII(Q)
Highest at Rs 7,434.76 cr
DPS(Y)
Highest at Rs 18.25
CREDIT DEPOSIT RATIO(HY)
Highest at 79.67%
INTEREST EARNED(Q)
Highest at Rs 18,090.16 cr
PBDIT(Q)
Highest at Rs 2,923.83 cr.
PAT(Q)
Highest at Rs 3,273.09 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 16.16%
PBT LESS OI(Q)
Highest at Rs 1,728.11 cr.
EPS(Q)
Highest at Rs 24.30
NET NPA(Q)
Lowest at 0.15%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 60.38 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Indian Bank
Gross NPA - Quarterly
Lowest at 1.86% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 7,434.76 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 18,785.01 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)
Interest Earned - Quarterly
Highest at Rs 18,090.16 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,923.83 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 3,273.09 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 79.67% 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 (%)
Dividend per Share (DPS) - Annually
Highest at Rs 18.25 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Operating Profit Margin - Quarterly
Highest at 16.16%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,728.11 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 24.30
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Indian Bank
Non Operating Income - Quarterly
is 60.38 % 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
Non Operating Income - Quarterly
Highest at Rs 2,633.46 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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