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Consolidated Standalone

Indian Bank

₹584.5 9.3 | 1.6%

Market Cap ₹78730 Cr.

Stock P/E 9.7

P/B 1.2

Current Price ₹584.5

Book Value ₹ 468.6

Face Value 10

52W High ₹626.4

Dividend Yield 2.05%

52W Low ₹ 474.1

Edit Ratio

Indian Bank Research see more...

Overview Inc. Year: 1907Industry: Bank - Public

Indian Bank offers deposits, loans and services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Company gives merchandise below various categories, including agriculture, corporate, personal/character, enterprise, professional self-hired, small and medium-sized corporation (SME), cards, training, Non-Resident Indian (NRI), belongings and technology. Its deposits include financial savings bank (SB) account, together with SB Vikas Khata, SB Platinum, SB Power, SB Silver and SB Gold; current account, inclusive of Premium Current Account and IB i-Freedom Current Account; term deposits, including fixed deposit, re-funding plan, insured ordinary deposit, variable routine deposit and facility deposit, and NRI debts, such as Non-Resident Ordinary Account. It additionally gives offerings, which consist of top class services, coverage offerings and e-fee of indirect taxes. The Bank has about 70 specialised branches throughout the country.

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Indian Bank Share Price

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Peer Comparison

Indian Bank Quarterly Results

#(Fig in Cr.) Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 10728 11836 12255 13050 13764 14203 14633 15041 15369 15770
Other Income 1987 1926 2161 1871 2166 2113 2432 2077 2602 2397
Total Income 12714 13762 14416 14921 15929 16315 17065 17118 17971 18168
Interest Expense 6026 6335 6736 7346 8003 8383 8609 8861 9154 9345
Operating Expenditure 3038 3345 3640 3418 3599 3809 4127 3733 4045 4042
Provisions and contingencies 2060 2516 2562 1744 1551 1349 1251 1261 1099 1060
Operating Profit 1590 1567 1477 2415 2777 2774 3078 3263 3674 3721
Profit Before Tax 1590 1567 1477 2415 2777 2774 3078 3263 3674 3721
Provision for Tax 346 159 15 690 769 638 818 846 934 845
Profit After Tax 1245 1408 1462 1724 2008 2136 2260 2417 2740 2876
Adjustments 43 47 58 125 60 69 35 153 60 34
Profit After Adjustments 1287 1454 1520 1850 2068 2206 2296 2570 2800 2910
Adjusted Earnings Per Share 10.3 11.7 12.2 14.9 16.6 16.4 17 19.1 20.8 21.6

Indian Bank Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 15249 15853 16244 16039 17115 19182 21401 39108 38888 44985 55650 60813
Other Income 1378 1372 1789 2222 2417 1891 3326 6111 7380 7805 8582 9508
Total Income 16627 17226 18033 18262 19532 21074 24727 45219 46268 52790 64232 70322
Interest Expense 10887 11390 11795 10891 10851 12167 13798 23439 22129 24717 32341 35969
Operating Expenditure 2838 2825 3202 3363 3673 4028 4433 10789 11354 12725 14953 15947
Provisions and contingencies 1426 1534 2077 2241 3927 4595 5119 8075 9532 9384 5921 4671
Operating Profit 1476 1477 958 1765 1080 283 1377 2917 3253 5963 11017 13736
Profit Before Tax 1476 1477 958 1765 1080 283 1377 2917 3253 5963 11017 13736
Provision for Tax 317 463 244 353 -183 -38 619 -99 -741 633 2888 3443
Profit After Tax 1160 1013 715 1413 1263 321 758 3016 3994 5330 8129 10293
Adjustments 30 35 37 40 48 59 103 133 148 242 290 282
Profit After Adjustments 1189 1049 751 1453 1311 380 861 3149 4142 5572 8419 10576
Adjusted Earnings Per Share 25 21.8 15.6 30.3 27.3 7.9 14.1 27.9 33.3 44.7 62.5 78.5

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 24% 12% 24% 14%
Operating Profit CAGR 85% 56% 108% 22%
PAT CAGR 53% 39% 91% 21%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 12% 52% 63% 14%
ROE Average 17% 13% 11% 9%
ROCE Average 17% 12% 10% 8%

Indian Bank Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 14024 15029 16490 17434 18715 19715 22768 39458 44952 49507 60248
Minority's Interest 15 16 17 19 20 20 21 23 25 26 29
Deposits 162255 169204 178259 182480 208262 242041 260184 538030 593571 621123 687953
Borrowings 4964 2646 3509 12637 19760 12138 20830 24763 17218 22092 23143
Other Liabilities & Provisions 6130 6140 5666 5938 6224 6474 6338 23262 18331 20585 24335
Total Liabilities 187388 193036 203941 218507 252981 280388 310141 625535 674096 713334 795709
Cash and balance with RBI 7758 8301 9174 5589 10502 11702 5736 27545 58555 32693 32703
Bank Balance 2737 4781 2825 4459 2432 8326 8200 23959 21414 17524 9474
Investments 46935 46060 53283 67781 71619 65272 81871 178292 176502 188366 215242
Advances 122212 125870 129055 127708 156569 181262 197887 362669 389186 449294 514889
Fixed Assets 2935 2969 3508 3436 3421 3964 3898 7391 7693 7470 7523
Other Assets 4808 5049 6088 9525 8438 9862 12547 25677 20742 17976 15861
Total Assets 187388 193036 203941 218507 252981 280388 310141 625535 674096 713334 795709

Indian Bank Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 9639 10494 13082 12000 10047 12934 20028 11175 51504 79968 50217
Cash Flow from Operating Activities -725 5136 -931 -10814 -3676 6270 -8396 17231 28750 -27894 -8617
Cash Flow from Investing Activities -147 -236 -772 -179 -214 -249 -247 -545 -305 -314 -618
Cash Flow from Financing Activities 1727 -2312 620 9041 6776 1000 2552 1866 18 -1543 1195
Net Cash Inflow / Outflow 855 2588 -1082 -1952 2886 7021 -6091 18552 28464 -29751 -8040
Closing Cash & Cash Equivalent 10494 13082 12000 10047 12934 20028 13936 51504 79968 50217 42177

Indian Bank Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 25.02 21.84 15.64 30.25 27.29 7.91 14.15 27.88 33.26 44.74 62.51
CEPS(Rs) 27.21 23.99 18.02 32.88 31.23 12.08 17.61 32.31 36.89 47.07 64.3
DPS(Rs) 4.7 4.2 1.5 6 6 0 0 2 6.5 8.6 12
Book NAV/Share(Rs) 251.44 265.54 285.42 306.76 335.09 346.05 373.97 349.38 311.06 348.47 402.93
Yield on Advances 12.48 12.59 12.59 12.56 10.93 10.58 10.81 10.78 9.99 10.01 10.81
Yield on Investments 8.75 8.31 8.37 7.81 8.06 7.99 7.52 7.46 7.16 6.41 6.65
Cost of Liabilities 6.51 6.63 6.49 5.58 4.76 4.79 4.91 4.16 3.62 3.84 4.55
NIM (Net Interest Margin) 2.43 2.41 2.29 2.5 2.6 2.63 2.59 2.64 2.6 2.95 3.02
Interest Spread 5.97 5.97 6.1 6.98 6.17 5.8 5.91 6.62 6.37 6.17 6.26
ROA(%) 0.66 0.53 0.36 0.67 0.54 0.12 0.26 0.64 0.61 0.77 1.08
ROE(%) 10.42 8.29 5.4 9.94 8.19 1.96 3.85 9.69 10.21 12.98 16.65
ROCE(%) 10.29 9.04 6.42 8.4 5.07 3.47 5.78 7.67 7.04 11.21 16.6
PER(x) 4.6 7.92 6.69 9.24 10.97 35.19 3.05 4.17 4.62 6.44 8.33
Price/Book(x) 0.46 0.65 0.37 0.91 0.89 0.8 0.12 0.33 0.49 0.83 1.29
Dividend Yield(%) 4.08 2.43 1.43 2.15 2 0 0 1.72 4.23 2.99 2.3
EV/Net Sales(x) 0.68 0.69 0.53 1.62 1.99 1.33 1.1 0.97 0.94 1.29 1.68
EV/Core EBITDA(x) 3.56 3.64 2.81 6.5 6.82 5.23 3.61 3.45 2.84 3.78 5.51
Interest Earned Growth(%) 9.73 3.96 2.47 -1.26 6.71 12.08 11.57 82.74 -0.56 15.68 23.71
Net Profit Growth -26.69 -12.6 -29.5 97.74 -10.62 -74.59 136.21 297.81 32.44 33.47 52.5
Advances Growth 15.68 2.99 2.53 -1.04 22.6 15.77 9.17 83.27 7.31 15.44 14.6
EPS Growth(%) -31.64 -12.73 -28.37 93.41 -9.81 -70.99 78.76 97.09 19.26 34.54 39.71
Loans/Deposits(x) 3.06 1.56 1.97 6.93 9.49 5.01 8.01 4.6 2.9 3.56 3.36
Cash/Deposits(x) 0.05 0.05 0.05 0.03 0.05 0.05 0.02 0.05 0.1 0.05 0.05
Current Ratio(x) 0.29 0.27 0.3 0.37 0.34 0.27 0.31 0.33 0.3 0.3 0.31
Quick Ratio(x) 3.06 1.56 1.97 6.93 9.49 5.01 8.01 4.6 2.9 3.56 3.36
CASA % 27.15 28.78 31.28 37.09 36.96 34.71 34.65 42.3 41.77 41.99 40.77

Indian Bank Shareholding Pattern

# Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Promoter 79.86 79.86 79.86 79.86 73.84 73.84 73.84 73.84 73.84 73.84
FII 3.55 4.13 3.96 4.3 5.88 5.28 5.38 4.99 4.78 4.73
DII 11.97 11.59 11.6 11.79 15.84 16.96 16.88 17.35 17.64 17.78
Public 4.62 4.43 4.58 4.05 4.44 3.92 3.9 3.82 3.74 3.65
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 90% CAGR over last 5 years
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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