ScoreWhy is IndusInd Bank Ltd. ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 71.02%
2
The Bank has a high Capital Adequacy Ratio of 16.06% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -19.93%
4
Flat results in Mar 26
- PAT(9M) At Rs 249.08 cr has Grown at -49.24%
- CREDIT DEPOSIT RATIO(HY) Lowest at 78.93%
- NON-OPERATING INCOME(Q) is 233.44 % of Profit Before Tax (PBT)
5
With ROA of 0.2, it has a 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 13.61%, its profits have fallen by -64.7%
6
42.78% of Promoter Shares are Pledged
- In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
IndusInd Bank
13.61%
0.48
28.34%
Sensex
-3.59%
-0.27
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
4.64%
Net Profit Growth (5y)
-19.93%
Advance to Deposit
83.93%
Capital Adequacy Ratio (Tier 1)
16.06%
Gross NPA (latest)
3.43%
Gross NPA (avg)
2.55%
Coverage Ratio (avg)
71.02%
Cost to Income (avg)
51.66%
Net Interest Margin (avg)
4.25%
Operating Profit to Assets (avg)
7.72%
ROA (avg)
1.23%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
83
Price to Book Value
1.13
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
1.43%
ROA (Latest)
0.17%
Net NPA to Book Value
4.85
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
PAT(Q)
At Rs 532.71 cr has Grown at 123.8%
PBT LESS OI(Q)
Highest at Rs -975.40 cr.
-10What is not working for the Company
PAT(9M)
At Rs 249.08 cr has Grown at -49.24%
CREDIT DEPOSIT RATIO(HY)
Lowest at 78.93%
NON-OPERATING INCOME(Q)
is 233.44 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IndusInd Bank
Profit After Tax (PAT) - Quarterly
At Rs 532.71 cr has Grown at 123.8%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -975.40 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
CAR - Quarterly
Highest at 17.48%
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 IndusInd Bank
Credit Deposit Ratio - Half Yearly
Lowest at 78.93% and Fallen
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income - Quarterly
is 233.44 % 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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