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IndusInd Bank

  • Market Cap: Mid Cap
  • Industry: Private Sector Bank
  • ISIN: INE095A01012
  • NSEID: INDUSINDBK
  • BSEID: 532187
INR
860.20
-3.1 (-0.36%)
BSENSE

Dec 05

BSE+NSE Vol: 14.64 lacs

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Kotak Mah. Bank
City Union Bank
IDBI Bank
Karur Vysya Bank
Federal Bank
Axis Bank
IDFC First Bank
Yes Bank
RBL Bank
IndusInd Bank
Bandhan Bank
Why is IndusInd Bank Ltd. ?
1
Poor long term growth as Net profit has grown by an annual rate of -173.85%
2
The company has declared Negative results for the last 5 consecutive quarters
  • PBT LESS OI(Q) At Rs -2,242.34 cr has Fallen at -443.95%
  • PAT(Q) At Rs -444.79 cr has Fallen at -133.6%
  • CREDIT DEPOSIT RATIO(HY) Lowest at 83.60%
3
With ROA of -0.1, it has a Expensive valuation with a 1 Price to Book Value
  • The stock is trading at a fair value compared to its peers' average historical valuations
  • Over the past year, while the stock has generated a return of -13.60%, its profits have fallen by -107.3%
4
50.86% of Promoter Shares are Pledged
  • In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
5
Underperformed the market in the last 1 year
  • Even though the market (BSE500) has generated returns of 1.92% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -13.60% returns
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is IndusInd Bank for you?

High Risk, Low Return

Absolute
Risk Adjusted
Volatility
IndusInd Bank
-13.8%
-0.34
40.11%
Sensex
4.76%
0.40
11.83%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Net Interest Income Growth (5y)
4.38%
Net Profit Growth (5y)
-173.85%
Advance to Deposit
84.74%
Capital Adequacy Ratio (Tier 1)
16.39%
Gross NPA (latest)
3.64%
Gross NPA (avg)
2.57%
Coverage Ratio (avg)
70.99%
Cost to Income (avg)
48.41%
Net Interest Margin (avg)
4.42%
Operating Profit to Assets (avg)
6.03%
ROA (avg)
1.18%
Net Debt to Equity (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.04
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-0.92%
ROA (Latest)
-0.11%
Net NPA to Book Value
NA
Loading Valuation Snapshot...
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company
GROSS NPA(Q)

Lowest at 0.00%

NET NPA(Q)

Lowest at 0.00%

-14What is not working for the Company
PBT LESS OI(Q)

At Rs -2,242.34 cr has Fallen at -443.95%

PAT(Q)

At Rs -444.79 cr has Fallen at -133.6%

CREDIT DEPOSIT RATIO(HY)

Lowest at 83.60%

INTEREST EARNED(Q)

At Rs 11,608.63 cr has Grown at -8.49%

Loading Valuation Snapshot...
Here's what is working for IndusInd Bank
Gross NPA - Quarterly
Lowest at 0.00%
in the last five quarters
MOJO Watch
Proportion of stressed loans given by the bank are falling

Gross NPA (%)

Net NPA - Quarterly
Lowest at 0.00%
in the last five quarters
MOJO Watch
Proportion of stressed loans given by the bank are falling

Net NPA (%)

CAR - Quarterly
Highest at 17.10%
in the last five quarters
MOJO 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 IndusInd Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -2,242.34 cr has Fallen at -443.95%
Year on Year (YoY)
MOJO Watch
Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly
At Rs -444.79 cr has Fallen at -133.6%
Year on Year (YoY)
MOJO Watch
Near term PAT trend is very negative

PAT (Rs Cr)

Credit Deposit Ratio - Half Yearly
Lowest at 83.60% and Fallen
in the last four periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Interest Earned - Quarterly
At Rs 11,608.63 cr has Grown at -8.49%
Year on Year (YoY)
MOJO Watch
Near term sales trend is negative

Interest Earned (Rs Cr)

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