Market Cap ₹89901 Cr.
Stock P/E 15.5
P/B 2.1
Current Price ₹83.6
Book Value ₹ 40.1
Face Value 10
52W High ₹98.7
Dividend Yield 1.79%
52W Low ₹ 52.6
IDBI Bank Limited is a banking organization. Its segments consist of Corporate / Wholesale Banking phase, which includes corporate relationship covering deposit and credit activities apart from retail and additionally covers corporate advisory / syndication, task appraisal and funding portfolio including strategic investments; Retail Banking section, which includes credit score and deposit activities which are basically orientated in the direction of individual and small business which include priority sector lending and also includes fee and trade channels like ATM, Point of sale (POS) machines, Internet Banking, cell banking, credit cards, debit cards, travel/currency cards, third party distribution and transaction banking offerings, and Treasury segment, which includes buying and selling portfolio of investments, money market operations, derivative trading, foreign exchange operations on the proprietary account and for clients.
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Price falls below X
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PE falls below X
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#(Fig in Cr.) | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 4629 | 4608 | 4639 | 4994 | 5230 | 5729 | 6864 | 6038 | 6549 | 6995 |
Other Income | 1200 | 923 | 1190 | 1058 | 923 | 1404 | 907 | 1025 | 1031 | 961 |
Total Income | 5828 | 5531 | 5829 | 6052 | 6152 | 7133 | 7771 | 7064 | 7580 | 7956 |
Interest Expense | 2240 | 2175 | 2144 | 2238 | 2304 | 2445 | 2861 | 2966 | 3102 | 3298 |
Operating Expenditure | 1790 | 1793 | 1613 | 1659 | 1780 | 2181 | 1874 | 1922 | 2123 | 2452 |
Provisions and contingencies | 802 | 670 | 958 | 772 | 783 | 986 | 1193 | -222 | 321 | 113 |
Operating Profit | 997 | 893 | 1114 | 1384 | 1286 | 1521 | 1843 | 2397 | 2034 | 2093 |
Profit Before Tax | 997 | 893 | 1114 | 1384 | 1286 | 1521 | 1843 | 2397 | 2034 | 2093 |
Provision for Tax | 394 | 163 | 341 | 617 | 346 | 315 | 609 | 1004 | 553 | 438 |
Profit After Tax | 603 | 731 | 773 | 767 | 940 | 1207 | 1234 | 1393 | 1481 | 1655 |
Adjustments | 10 | 4 | -4 | 8 | 5 | 10 | -5 | -8 | 28 | 10 |
Profit After Adjustments | 612 | 735 | 769 | 776 | 945 | 1217 | 1229 | 1385 | 1509 | 1665 |
Adjusted Earnings Per Share | 0.6 | 0.7 | 0.7 | 0.7 | 0.9 | 1.1 | 1.1 | 1.3 | 1.4 | 1.5 |
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 25076 | 26608 | 28164 | 28058 | 27805 | 23046 | 22102 | 20854 | 19962 | 18316 | 20592 | 26446 |
Other Income | 3334 | 3112 | 4189 | 3518 | 4207 | 7248 | 3535 | 4631 | 4782 | 4919 | 4575 | 3924 |
Total Income | 28410 | 29720 | 32354 | 31576 | 32013 | 30294 | 25637 | 25485 | 24744 | 23235 | 25167 | 30371 |
Interest Expense | 19674 | 20558 | 22387 | 21931 | 22019 | 17376 | 16162 | 13841 | 11408 | 9122 | 9130 | 12227 |
Operating Expenditure | 3212 | 3388 | 4105 | 4206 | 5243 | 4892 | 5258 | 6447 | 6172 | 6503 | 7233 | 8371 |
Provisions and contingencies | 2878 | 3988 | 4491 | 10369 | 13280 | 20538 | 26940 | 14125 | 4706 | 5093 | 5117 | 1405 |
Operating Profit | 2646 | 1786 | 1371 | -4930 | -8529 | -12512 | -22724 | -8928 | 2459 | 2518 | 3687 | 8367 |
Profit Before Tax | 2646 | 1786 | 1371 | -4930 | -8529 | -12512 | -22724 | -8928 | 2459 | 2518 | 3687 | 8367 |
Provision for Tax | 740 | 620 | 414 | -1306 | -3460 | -4355 | -7711 | 3920 | 1010 | 0 | 0 | 2604 |
Profit After Tax | 1906 | 1166 | 957 | -3624 | -5069 | -8157 | -15013 | -12847 | 1449 | 2518 | 3687 | 5763 |
Adjustments | -17 | -14 | -15 | 33 | 54 | 25 | 26 | 12 | 65 | 16 | 19 | 25 |
Profit After Adjustments | 1889 | 1152 | 942 | -3591 | -5016 | -8132 | -14987 | -12835 | 1514 | 2534 | 3706 | 5788 |
Adjusted Earnings Per Share | 14.2 | 7.2 | 5.9 | -17.4 | -24.4 | -26.4 | -19.4 | -12.4 | 1.4 | 2.4 | 3.4 | 5.3 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 12% | -0% | -2% | -2% |
Operating Profit CAGR | 46% | 0% | 0% | 3% |
PAT CAGR | 46% | 0% | 0% | 7% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | 55% | 30% | 18% | 2% |
ROE Average | 10% | 8% | -16% | -14% |
ROCE Average | 9% | 8% | -2% | 0% |
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 21202 | 23632 | 24375 | 28058 | 23262 | 21908 | 38347 | 34836 | 37628 | 42572 | 46319 |
Minority's Interest | 36 | 44 | 51 | 61 | 71 | 86 | 97 | 104 | 113 | 128 | 138 |
Deposits | 226890 | 235573 | 259523 | 265087 | 268216 | 247777 | 227190 | 222214 | 230660 | 232850 | 255322 |
Borrowings | 65809 | 60146 | 61832 | 70592 | 56364 | 63186 | 45288 | 36749 | 15908 | 14345 | 12638 |
Other Liabilities & Provisions | 8729 | 9555 | 10263 | 11476 | 14575 | 17953 | 10190 | 6797 | 14344 | 12645 | 17080 |
Total Liabilities | 322666 | 328950 | 356044 | 375275 | 362488 | 350909 | 321111 | 300699 | 298653 | 302540 | 331498 |
Cash and balance with RBI | 10549 | 12715 | 13157 | 13827 | 13350 | 13169 | 12732 | 10539 | 13013 | 27796 | 16639 |
Bank Balance | 7411 | 4134 | 1486 | 9481 | 19383 | 20612 | 8572 | 19956 | 22295 | 8005 | 12713 |
Investments | 98433 | 103419 | 97347 | 92810 | 93075 | 91848 | 93328 | 81996 | 81471 | 83475 | 100409 |
Advances | 196306 | 197686 | 208377 | 215893 | 190826 | 171740 | 146790 | 129845 | 128152 | 136959 | 162546 |
Fixed Assets | 2928 | 2978 | 3026 | 7041 | 6893 | 6350 | 7842 | 7719 | 7402 | 9588 | 9305 |
Other Assets | 7022 | 7996 | 32598 | 35741 | 38422 | 46687 | 51379 | 50156 | 45849 | 36318 | 29411 |
Total Assets | 322666 | 328950 | 356044 | 375275 | 362488 | 350909 | 321111 | 300699 | 298653 | 302540 | 331498 |
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 18052 | 17960 | 16849 | 14643 | 23308 | 32732 | 33781 | 21304 | 30495 | 35308 | 35800 |
Cash Flow from Operating Activities | -299 | -1998 | -1991 | -567 | 8000 | -12514 | -34215 | 208 | 10214 | 5068 | -2601 |
Cash Flow from Investing Activities | -123 | -223 | -272 | -715 | -464 | 720 | 116 | -296 | -59 | -195 | -294 |
Cash Flow from Financing Activities | 329 | 1110 | -61 | 2927 | 1889 | 12843 | 21622 | 9279 | -5342 | -4383 | -3565 |
Net Cash Inflow / Outflow | -92 | -1111 | -2323 | 1645 | 9424 | 1049 | -12477 | 9191 | 4813 | 490 | -6460 |
Closing Cash & Cash Equivalent | 17960 | 16849 | 14526 | 16288 | 32732 | 33781 | 21304 | 30495 | 35308 | 35800 | 29352 |
# | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 14.17 | 7.18 | 5.87 | -17.44 | -24.36 | -26.37 | -19.37 | -12.36 | 1.41 | 2.36 | 3.45 |
CEPS(Rs) | 15.27 | 8 | 6.85 | -16.54 | -22.86 | -25.23 | -18.93 | -12 | 1.72 | 2.73 | 3.89 |
DPS(Rs) | 3.5 | 1 | 0.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Book NAV/Share(Rs) | 145.85 | 136.66 | 141.6 | 109.05 | 86.67 | 54.65 | 40.87 | 27.29 | 29.15 | 31.72 | 35.45 |
Yield on Advances | 12.77 | 13.46 | 13.52 | 13 | 14.57 | 13.42 | 15.06 | 16.06 | 15.58 | 13.37 | 12.67 |
Yield on Investments | 5.82 | 6.38 | 8.12 | 7.36 | 8.41 | 10.72 | 7.27 | 8.15 | 8.47 | 6.82 | 6.75 |
Cost of Liabilities | 6.72 | 6.95 | 6.97 | 6.53 | 6.78 | 5.59 | 5.93 | 5.34 | 4.63 | 3.69 | 3.41 |
NIM (Net Interest Margin) | 1.73 | 1.9 | 1.8 | 1.85 | 1.83 | 1.91 | 2.27 | 2.89 | 3.49 | 3.59 | 3.92 |
Interest Spread | 6.05 | 6.51 | 6.55 | 6.46 | 7.79 | 7.83 | 9.13 | 10.72 | 10.95 | 9.68 | 9.26 |
ROA(%) | 0.62 | 0.36 | 0.28 | -0.99 | -1.37 | -2.29 | -4.47 | -4.13 | 0.48 | 0.84 | 1.16 |
ROE(%) | 10.31 | 5.64 | 4.29 | -16.05 | -25.16 | -47.02 | -61.94 | -42.86 | 4.85 | 7.69 | 10.21 |
ROCE(%) | 8.82 | 8.08 | 7.2 | 0.06 | -4.07 | -10.09 | -22.62 | -7.96 | 7.38 | 7.04 | 8.63 |
PER(x) | 5.66 | 9.11 | 12.1 | 0 | 0 | 0 | 0 | 0 | 27.38 | 18.16 | 13.06 |
Price/Book(x) | 0.55 | 0.48 | 0.5 | 0.64 | 0.87 | 1.32 | 1.14 | 0.71 | 1.32 | 1.35 | 1.27 |
Dividend Yield(%) | 4.36 | 1.53 | 1.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.22 |
EV/Net Sales(x) | 3.05 | 2.65 | 2.6 | 3.03 | 2.58 | 3.71 | 3.68 | 2.72 | 2.87 | 3.3 | 2.96 |
EV/Core EBITDA(x) | 13.85 | 12.23 | 12.49 | 15.61 | 15.12 | 10.65 | 19.3 | 10.93 | 8.01 | 7.93 | 6.93 |
Interest Earned Growth(%) | 7.21 | 6.11 | 5.85 | -0.38 | -0.9 | -17.12 | -4.1 | -5.65 | -4.28 | -8.25 | 12.42 |
Net Profit Growth | -5.31 | -38.82 | -17.92 | -478.56 | -39.89 | -60.91 | -84.05 | 14.42 | 111.28 | 73.8 | 46.43 |
Advances Growth | 8.71 | 0.7 | 5.41 | 3.61 | -11.61 | -10 | -14.53 | -11.54 | -1.3 | 6.87 | 18.68 |
EPS Growth(%) | -9.52 | -49.34 | -18.23 | -397.04 | -39.69 | -8.24 | 26.54 | 36.17 | 111.39 | 67.36 | 46.27 |
Loans/Deposits(x) | 29 | 25.53 | 23.83 | 26.63 | 21.01 | 25.5 | 19.93 | 16.54 | 6.9 | 6.16 | 4.95 |
Cash/Deposits(x) | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.12 | 0.07 |
Current Ratio(x) | 0.43 | 0.44 | 0.38 | 0.35 | 0.35 | 0.37 | 0.41 | 0.37 | 0.35 | 0.36 | 0.39 |
Quick Ratio(x) | 29 | 25.53 | 23.83 | 26.63 | 21.01 | 25.5 | 19.93 | 16.54 | 6.9 | 6.16 | 4.95 |
CASA % | 25.12 | 22.62 | 25.06 | 25.89 | 31.46 | 37.13 | 42.54 | 47.76 | 50.46 | 56.79 | 53.03 |
# | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 | 94.71 |
FII | 0.02 | 0.03 | 0.02 | 0.05 | 0.06 | 0.22 | 0.29 | 0.4 | 0.32 | 0.45 |
DII | 0.38 | 0.37 | 0.22 | 0.16 | 0.18 | 0.17 | 0.17 | 0.26 | 0.17 | 0.16 |
Public | 4.89 | 4.89 | 5.04 | 5.08 | 5.05 | 4.9 | 4.83 | 4.63 | 4.8 | 4.67 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 | 1018.4 |
FII | 0.24 | 0.27 | 0.25 | 0.48 | 0.61 | 2.33 | 3.16 | 4.3 | 3.46 | 4.85 |
DII | 4.04 | 3.96 | 2.39 | 1.7 | 1.9 | 1.8 | 1.79 | 2.75 | 1.8 | 1.75 |
Public | 52.56 | 52.61 | 54.21 | 54.66 | 54.33 | 52.72 | 51.89 | 49.8 | 51.59 | 50.24 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 | 1075.24 |
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