ScoreWhy is IndusInd Bank Ltd. ?
1
High Profitability with a Net Interest Margin of 2.96%
2
The Bank has a high Capital Adequacy Ratio of 16.05% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -195.90%
4
The company has declared Negative results for the last 6 consecutive quarters
- PBT LESS OI(Q) At Rs -1,488.35 cr has Fallen at -200.70%
- PAT(Q) At Rs 161.16 cr has Fallen at -88.5%
- INTEREST EARNED(Q) At Rs 11,372.88 cr has Fallen at -11.15%
5
With ROA of -0.3, it has a Very Expensive valuation with a 1.1 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 -8.96%, its profits have fallen by -125.4%
6
50.86% of Promoter Shares are Pledged
- In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
7
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 9.12% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.96% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IndusInd 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 IndusInd Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IndusInd Bank
-8.96%
-0.22
40.16%
Sensex
8.49%
0.74
11.41%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
2.96%
Net Profit Growth (5y)
-195.90%
Advance to Deposit
84.98%
Capital Adequacy Ratio (Tier 1)
16.05%
Gross NPA (latest)
3.56%
Gross NPA (avg)
2.45%
Coverage Ratio (avg)
70.92%
Cost to Income (avg)
51.08%
Net Interest Margin (avg)
4.20%
Operating Profit to Assets (avg)
5.72%
ROA (avg)
1.45%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.11
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-2.84%
ROA (Latest)
-0.35%
Net NPA to Book Value
5.11
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-15What is not working for the Company
PBT LESS OI(Q)
At Rs -1,488.35 cr has Fallen at -200.70%
PAT(Q)
At Rs 161.16 cr has Fallen at -88.5%
INTEREST EARNED(Q)
At Rs 11,372.88 cr has Fallen at -11.15%
NON-OPERATING INCOME(Q)
is 782.23 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is not working for IndusInd Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -1,488.35 cr has Fallen at -200.70%
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 161.16 cr has Fallen at -88.5%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Interest Earned - Quarterly
At Rs 11,372.88 cr has Fallen at -11.15%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Interest Earned (Rs Cr)
Non Operating Income - Quarterly
is 782.23 % 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
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