ScoreWhy is Kotak Mahindra Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.23%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 15.45% and Net profit at 15.62%
- The Bank has a high Capital Adequacy Ratio of 20.93% signifying high buffers against its risk based assets
2
Flat results in Dec 25
- PAT(9M) At Rs 9,981.15 cr has Grown at -22.62%
- NON-OPERATING INCOME(Q) is 62.09 % of Profit Before Tax (PBT)
3
With ROA of 1.9, it has a Expensive valuation with a 3.3 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 7.43%, its profits have fallen by -5.7%
4
High Institutional Holdings at 62.24%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Kotak Mah. 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 Kotak Mah. Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Kotak Mah. Bank
7.58%
0.36
20.49%
Sensex
7.98%
0.70
11.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.45%
Net Profit Growth (5y)
15.62%
Advance to Deposit
84.54%
Capital Adequacy Ratio (Tier 1)
20.93%
Gross NPA (latest)
1.30%
Gross NPA (avg)
1.83%
Coverage Ratio (avg)
75.78%
Cost to Income (avg)
46.46%
Net Interest Margin (avg)
4.73%
Operating Profit to Assets (avg)
6.42%
ROA (avg)
2.23%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
30
Price to Book Value
3.28
PEG Ratio
NA
Dividend Yield
0.12%
ROE (Latest)
10.81%
ROA (Latest)
1.91%
Net NPA to Book Value
1.20
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
GROSS NPA(Q)
Lowest at 1.30%
NII(Q)
Highest at Rs 7,564.57 cr
INTEREST EARNED(Q)
Highest at Rs 13,903.25 cr
NET NPA(Q)
Lowest at 0.31%
-5What is not working for the Company
PAT(9M)
At Rs 9,981.15 cr has Grown at -22.62%
NON-OPERATING INCOME(Q)
is 62.09 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Kotak Mah. Bank
Gross NPA - Quarterly
Lowest at 1.30%
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 7,564.57 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 13,903.25 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.31%
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 Kotak Mah. Bank
Profit After Tax (PAT) - Nine Monthly
At Rs 9,981.15 cr has Grown at -22.62%
Year on Year (YoY)MOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 62.09 % 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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