Kotak Mahindra Bank Ltd.

NSE: KOTAKBANK  SECTOR: Bank - Private

1889.8
+27.35 (1.47%)

Price Summary

Today's High

₹ 1900.75

Today's Low

₹ 1850.1

52 Week High

₹ 1947.7

52 Week Low

₹ 1000.35

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

374139.65893568 Cr.

CASA %

56.168105122145

No. of Shares

197.9784416 Cr.

P/E

59.47

P/B

6.3

Face Value

₹ 5

Div. Yield

0%

Book Value (TTM)

₹  300.1498

Net Interest Income

13499.6654 Cr.

Cost To Income %

46.9003943248979

Promoter Holding

29.92%

EPS (TTM)

₹  31.7784

CAR %

17.89%

ROE

13.0831390050507 %

ROCE

11.314338437731 %

Profit Growth

22.0841700732571 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year13.08%
3 Year12.6%
5 Year12.4%

ROA%

1 Year1.77%
3 Year1.72%
5 Year1.65%

Net NPA%

1 Year0.71%
3 Year0.81%
5 Year0.95%

 NIM

1 Year3.88%
3 Year3.78%
5 Year3.83%

CAR %

17.89

Cost of Liabilities %

4.46453833285859

PEG Ratio

2.81

Advances Growth %

6.83214954256573

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 29.92 0
Dec 2019 29.96 0
Sep 2019 29.97 0
Jun 2019 29.98 0
Mar 2019 29.99 0
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.71949298839587% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.6043189342973%.
  • The company has been consistently maintaining a NIM of 3.78274874512869% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.813333333333333%.
  • Good Capital Adequacy Ratio of 17.89%.
  • The company has delivered good Profit growth of 20.3525712319646% over the past 3 years.

 Limitations

  • High Cost to income ratio of 46.9003943248979%.
  • Increase in Provision and contingencies of 130.276444123578% on YoY.
  • The company is trading 5.11172176803964 times of its Book Value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 6761.6 6735.6 6804.68 6911.86 6836.05
Other Income 1224.41 1341.43 1489.39 773.54 1452.03
Interest Expended 3412.01 3306.07 3245.03 3188.01 2922.84
Operating Expenses 2065.44 2382.89 2323.76 1873.68 2067.75
Total Provisions 407.93 444 1047.47 962.01 368.59
Profit Before Tax 2100.63 1944.07 1677.81 1661.7 2928.9
Tax 376.15 348.17 411.21 417.25 744.42
Net Profit 1724.48 1595.9 1266.6 1244.45 2184.48
Net NPA % 0.85 0.89 0.71 0.87 0.64
Gross NPA % 2.32 2.46 2.25 2.7 2.55
Return on Assets % 0.55 0.5 0.38 0.34 0.59
NPM % 25.5 23.69 18.61 18 31.96

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 16384.18 17698.93 19748.5 23890.05 26929.61
Other Income 2612.23 3477.16 4052.21 4657.18 5372.11
Interest Expended 9483.81 9572.78 10216.81 12684.25 13429.95
Operating Expenses 5471.52 5618.5 6425.72 7514.8 8850.94
Total Provisions 917.37 836.74 939.95 962.39 2216.17
Profit Before Tax 3123.72 5148.07 6218.22 7385.79 7804.67
Taxes 1033.94 1736.57 2133.92 2520.46 1857.49
Net Profit 2089.78 3411.5 4084.3 4865.33 5947.18
Adjusted EPS (Rs.) 11.39 18.53 21.43 25.49 30.88

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 917.19 920.45 952.82 1454.38 1456.52
Total Reserves 23041.87 26695.62 36528.83 41444 47558.78
Deposits 138643.02 157425.86 192643.27 225880.36 262820.52
Borrowings 20975.34 21095.48 25154.15 32248.29 37993.31
Other Liabilities 8678.96 8450.68 9652.15 11142.98 10419.68
Total Liabilities 192259.79 214589.96 264933.4 312172.09 360251.68
Assets
Balance with RBI 6903.43 7492.43 8908.51 10877.52 9505.05
Balance with Banks 3976.28 15079.58 10711.6 13798.02 43787.25
Investments 51260.22 45074.19 64562.35 71189.09 75051.55
Advances 118665.3 136082.13 169717.92 205694.81 219748.19
Net Block 1551.59 1537.63 1527.16 1651.55 1623.13
Other Assets 9902.97 9324 9505.86 8961.11 10536.52
Total Assets 192259.79 214589.96 264933.4 312172.09 360251.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

Kotak Mahindra Bank Stock Price Analysis and Quick Research Report. Is Kotak Mahindra Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Kotak Mahindra Bank is performing and if it is the right time to buy the stock of Kotak Mahindra Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Kotak Mahindra Bank has earned Rs 26929.6142 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 15.0165691176268 % in last 3 Years.

  • In terms of advances, the bank reported 6.83214954256573 % YOY,  rise . If you see 3 years advance growth, it stands at 17.3207242113191 %.

  • Currently the company has a CASA ratio of 56.168105122145 %. It’s overall cost of liability stands at 4.46453833285859 %. Also, the total deposits from these accounts stood at Rs 262820.5199 Cr.

  • The Bank has a healthy ROA track record. The ROA of Kotak Mahindra Bank is at 1.7688790979032 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.3 % and 0.71 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 130.276444123578 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Kotak Mahindra Bank decreased and is currently at Rs 53.721077 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.89 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Kotak Mahindra Bank is trading at a P/B of 6.29618943607492 . The historical average PB was 5.49678395908519.

Brief about Kotak Mahindra Bank

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