ScoreWhy is Kotak Mahindra Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 3.08%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 15.03% and Net profit at 15.06%
- The Bank has a high Capital Adequacy Ratio of 21.48% signifying high buffers against its risk based assets
2
Positive results in Jun 26
- GROSS NPA(Q) Lowest at 1.18%
- NII(Q) Highest at Rs 7,928.43 cr
- CASH AND CASH EQUIVALENTS(HY) Highest at Rs 51,239.46 cr
3
With ROA of 1.9, it has a Attractive valuation with a 2.9 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 -1.36%, its profits have risen by 10.1% ; the PEG ratio of the company is 2.6
4
High Institutional Holdings at 62.92%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -1.36% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
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
-0.25%
-0.05
20.78%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.03%
Net Profit Growth (5y)
15.06%
Advance to Deposit
84.86%
Capital Adequacy Ratio (Tier 1)
21.48%
Gross NPA (latest)
1.18%
Gross NPA (avg)
1.61%
Coverage Ratio (avg)
75.17%
Cost to Income (avg)
46.47%
Net Interest Margin (avg)
4.85%
Operating Profit to Assets (avg)
6.62%
ROA (avg)
3.08%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Price to Book Value
2.85
PEG Ratio
2.58
Dividend Yield
0.17%
ROE (Latest)
10.98%
ROA (Latest)
1.90%
Net NPA to Book Value
1.00
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Bearish
Moving Averages
Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
GROSS NPA(Q)
Lowest at 1.18%
NII(Q)
Highest at Rs 7,928.43 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 51,239.46 cr
INTEREST EARNED(Q)
Highest at Rs 14,477.49 cr
PBDIT(Q)
Highest at Rs 2,793.15 cr.
PBT LESS OI(Q)
At Rs 2,125.02 cr has Grown at 22.1% (vs previous 4Q average
PAT(Q)
Highest at Rs 4,122.96 cr.
EPS(Q)
Highest at Rs 4.15
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 61.10 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Kotak Mah. Bank
Gross NPA - Quarterly
Lowest at 1.18% 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 7,928.43 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)
Interest Earned - Quarterly
Highest at Rs 14,477.49 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,793.15 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 2,125.02 cr has Grown at 22.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,740.61 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 4,122.96 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.15
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 51,239.46 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Kotak Mah. Bank
Non Operating Income - Quarterly
is 61.10 % 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 3,338.20 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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
