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Indusind Bank share price

IndusInd Bank Ltd.

NSE: INDUSINDBK BSE: 532187 SECTOR: Bank - Private  343k   2k   385

1017.15
-19.55 (-1.89%)
NSE: 14 Nov 4:00 PM

Price Summary

Today's High

₹ 1045

Today's Low

₹ 1015

52 Week High

₹ 1694.5

52 Week Low

₹ 1015

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

79237.97 Cr.

CASA %

37.91

No. of Shares

77.9 Cr.

P/E

9.76

P/B

1.22

Face Value

₹ 10

Div. Yield

1.62 %

Book Value (TTM)

₹  832.35

Net Interest Income

20615.92 Cr.

Cost To Income %

47.54

Promoter Holding

16.36 %

EPS (TTM)

₹  104.26

CAR %

17.23

ROE

15.34 %

ROCE

14.36%

Profit Growth

21.11 %

* 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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Index Presence

The company is present in 40 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year15.34%
3 Year13.36%
5 Year12.44%

ROA%

1 Year1.84%
3 Year1.59%
5 Year1.42%

Net NPA%

1 Year0.57%
3 Year0.6%
5 Year0.68%

 NIM

1 Year4.24%
3 Year4.1%
5 Year4.11%

CAR %

17.23

Cost of Liabilities %

5.8122

PEG Ratio

0.47

Advances Growth %

18.4099

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 16.36 45.48
Jun 2024 16.38 45.48
Mar 2024 16.40 45.48
Dec 2023 16.45 45.48
Sep 2023 16.47 47.30
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.58823514442932% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.3601843488408%.
  • The company has been consistently maintaining a NIM of 4.09912126085184% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.6%.
  • CASA stands at 37.9094% of total deposits.
  • Good Capital Adequacy Ratio of 17.23%.
  • The company has delivered good Profit growth of 46.6725038516941% over the past 3 years.

 Limitations

  • CASA Growth of -2.2306% YoY, which is very low.
  • High Cost to income ratio of 47.539%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 11247.78 11572.25 12198.53 12546.77 12686.28
Other Income 2281.75 2395.85 2500.48 2441.25 2183.9
Interest Expended 6171.05 6276.62 6822.09 7139.14 7339.02
Operating Expenses 3477.59 3689.26 3849.82 3922.19 3939.39
Total Provisions 973.83 934.23 899.11 1049.84 1820.1
Profit Before Tax 2907.06 3067.99 3127.99 2876.85 1771.67
Tax 725.59 770.14 781.15 724.69 446.22
Net Profit 2181.47 2297.85 2346.84 2152.16 1325.45
Net NPA % 0.57 0.57 0.57 0.6 0.64
Gross NPA % 1.93 1.92 1.92 2.02 2.11
Return on Assets % 1.88 1.93 1.9 1.68 0.99
NPM % 19.39 19.86 19.24 17.15 10.45

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 28782.83 28999.8 30822.44 36367.91 45748.21
Other Income 6951.31 6558.61 7334.2 8166.37 9387.84
Interest Expended 16724.09 15471.9 15821.6 18775.8 25132.29
Operating Expenses 8237.35 8359.83 9559.29 11412.01 14263.49
Total Provisions 4652.1 7942.53 6602.1 4486.84 3798.74
Profit Before Tax 6120.61 3784.14 6173.65 9859.64 11941.53
Taxes 1702.7 947.75 1562.53 2469.93 2991.75
Net Profit 4417.91 2836.39 4611.12 7389.71 8949.78
Adjusted EPS (Rs.) 63.7 36.68 59.52 95.24 114.99

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 693.54 773.37 774.66 775.9 778.32
Total Reserves 33329.66 42586.63 46906.49 53801.45 61915.27
Deposits 202039.81 256204.96 293681.35 336438.14 384792.92
Borrowings 60753.55 51322.81 47323.22 49011.23 47611.41
Other Liabilities 9557.7 12079.57 13272.79 17733.01 19733.71
Total Liabilities 307057.55 362972.75 401974.58 457804.05 514935.14
Assets
Balance with RBI 13675.25 17870.68 60141.16 42961.27 18557.13
Balance with Banks 2328.4 38456.51 8133.33 13549.88 18244.48
Investments 59979.94 69694.71 70970.78 83116.2 106526.71
Advances 206783.17 212595.41 239051.53 289923.68 343298.27
Net Block 1742.11 1734.14 1754.17 1857.19 2000.79
Other Assets 22470.68 22546.07 21829.09 26260.41 26110.81
Total Assets 307057.55 362972.75 401974.58 457804.05 514935.14
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 16.47 16.45 16.40 16.38 16.36
indusind international ho... 12.55 12.53 12.49 12.48 12.46
indusind limited 3.92 3.92 3.90 3.90 3.89
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 83.53 83.55 83.60 83.62 83.64
bridge india fund 2.68 2.67 2.67 2.66 2.47
df international partners... 1.28 1.28 1.42 1.60 2.00
franklin india focused eq... - - - 1.19 1.35
government pension fund g... 2.08 2.15 2.02 2.01 1.97
hdfc trustee company ltd.... 2.25 2.43 2.71 3.09 3.26
icici prudential india op... - - - 1.99 2.68
investor education and pr... - - 0.24 - 0.24
life insurance corporatio... 2.42 2.00 2.00 2.43 4.73
llp 0.60 0.53 0.53 0.53 0.52
nippon life india trustee... 1.18 - 1.22 - 1.94
nps trust- a/c hdfc pensi... 2.11 2.05 2.12 - 1.80
route one offshore master... 3.56 2.75 2.75 2.74 2.30
sbi nifty 50 etf 3.29 3.30 3.49 3.75 4.44
uti large cap fund - - - - 2.97
aditya birla sun life tru... - - 1.22 1.15 -
df international partners... 1.74 1.73 1.73 1.52 -
government of singapore - - - 1.14 -
nippon life india trustee... - - - 1.37 -
route one fund i, l.p. 1.98 1.18 1.18 1.18 -
uti - nifty exchange trad... 2.07 1.99 2.09 2.58 -
dragsa india equities iii... 2.21 1.96 1.58 - -
kotak equity arbitrage fu... 1.15 - 1.18 - -
max life insurance co lt... 1.24 1.31 1.26 - -
societe generale - odi 1.42 1.69 1.35 - -
bnp paribas financial mar... - 1.27 - - -
bofa securities europe sa... 1.86 1.94 - - -
investor education and pr... 0.25 0.24 - - -
bnp paribas arbitrage - o... 1.25 - - - -
icici prudential life ins... 1.26 - - - -
sfspvi ltd. 1.41 - - - -

Ratings & Research Reports

Company Presentations

Company News

IndusInd Bank partners with Trustmore to offer enhanced digital Escrow Services in India 30 Oct, 3:43 PM IndusInd Bank enters into partnership with Tata Power Renewable Energy 29 Oct, 4:27 PM IndusInd Bank reports 40% fall in Q2 consolidated net profit 24 Oct, 4:57 PM Indusind Bank - Quaterly Results 24 Oct, 3:33 PM Indusind Bank - Quaterly Results 24 Oct, 3:33 PM Indusind Bank - Quaterly Results 24 Oct, 3:33 PM IndusInd Bank’s net advances rise 13% in Q2FY25 7 Oct, 11:42 AM Indusind Bank informs about disclosures 5 Oct, 11:48 AM Indusind Bank informs about allotment under ESOP 11 Sep, 4:32 PM IndusInd Bank informs about change in joint statutory auditors 28 Aug, 10:04 AM IndusInd Bank informs about loss of share certificate 27 Aug, 9:44 AM IndusInd Bank enters into partnership with the Paralympic Committee of India 23 Aug, 2:29 PM IndusInd Bank gets RBI’s nod for setting up wholly owned subsidiary 20 Aug, 10:10 AM IndusInd Bank launches ‘PIONEER Private Program’ for HNI/UHNI community 1 Aug, 12:15 PM IndusInd Bank reports marginal rise in Q1 consolidated net profit 26 Jul, 4:59 PM Indusind Bank - Quaterly Results 26 Jul, 3:31 PM Indusind Bank - Quaterly Results 26 Jul, 3:31 PM Indusind Bank - Quaterly Results 26 Jul, 3:31 PM Indusind Bank informs about disclosure 20 Jul, 11:49 AM Indusind Bank informs about press release 18 Jul, 4:58 PM IndusInd Bank informs about loss of share certificate 12 Jul, 5:16 PM IndusInd Bank’s net advances rise 16% in Q1FY25 5 Jul, 5:28 PM Indusind Bank informs about press release 24 Jun, 2:14 PM IndusInd Bank informs about allotment of shares under ESOS 22 Jun, 9:48 AM IndusInd Bank informs about newspaper clippings 1 Jun, 3:38 PM IndusInd Bank informs about allotment of shares under ESOS 13 May, 9:51 AM IndusInd Bank reports 15% rise in Q4 consolidated net profit 26 Apr, 11:19 AM Indusind Bank - Quaterly Results 25 Apr, 3:53 PM Indusind Bank - Quaterly Results 25 Apr, 3:53 PM Indusind Bank - Quaterly Results 25 Apr, 3:53 PM IndusInd Bank executes RBI’s programmable CBDC pilot 23 Apr, 10:48 AM Indusind Bank reports 18% rise in net advances in Q4FY24 5 Apr, 12:00 PM Indusind Bank informs about analyst meet 18 Mar, 5:27 PM IndusInd Bank launches contactless payments wearables 'Indus PayWear’ 11 Mar, 3:38 PM IndusInd Bank informs about allotment of shares under ESOS 2 Mar, 10:09 AM Indusind Bank informs about press release 13 Feb, 2:07 PM IndusInd Bank informs about result of postal ballot and e-voting 24 Jan, 9:48 AM Indusind Bank - Quaterly Results 18 Jan, 3:58 PM Indusind Bank - Quaterly Results 18 Jan, 3:58 PM Indusind Bank - Quaterly Results 18 Jan, 3:58 PM Indusind Bank informs about press release 16 Jan, 1:22 PM IndusInd Bank launches ‘EazyDiner IndusInd Bank Platinum Credit Card’ 16 Jan, 11:40 AM Indusind Bank informs about loss of share certificate 12 Jan, 5:10 PM IndusInd Bank launches ‘Samman RuPay Credit Card’ 9 Jan, 12:40 PM CCI gives green signal to IndusInd Bank-Reliance Capital deal 28 Dec, 11:00 AM Indusind Bank informs about press release 26 Dec, 4:12 PM IndusInd Bank launches ‘eSvarna’ on RuPay network 26 Dec, 12:29 PM IndusInd Bank sells entire 2.86% stake in Nippon Life India Asset Management 21 Dec, 10:57 AM IndusInd Bank informs about loss of share certificate 20 Dec, 5:03 PM IndusInd Bank informs about interest payment of bonds 11 Dec, 5:22 PM

Indusind Bank Stock Price Analysis and Quick Research Report. Is Indusind 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.

Indusind Bank stock price today is Rs 1017.15. Let’s look at how Indusind Bank is performing and if it is the right time to buy the stock of Indusind Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Indusind Bank has earned Rs 45748.2137 Cr. revenue in the latest financial year. Indusind Bank has posted outstanding revenue growth of 16.4105664942686 % in last 3 Years.

  • In terms of advances, Indusind Bank reported 18.4099 % YOY,  rise . If you see 3 years advance growth, it stands at 17.3201419430467 %.

  • Currently, Indusind Bank has a CASA ratio of 37.9094 %. It’s overall cost of liability stands at 5.8122 %. Also, the total deposits of Indusind Bank from these accounts stood at Rs 384792.9167 Cr.

  • Indusind Bank has a healthy ROA track record. The ROA of Indusind Bank is at 1.8401 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.92 % and 0.57 % 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 negative at -15.3359125957358 % which means it has decreased 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 Indusind Bank surged and is currently at Rs 9387.8427 Cr.

  • Indusind Bank has a Good Capital Adequacy Ratio of 17.23 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Indusind Bank is trading at a P/B of 1.222 . The historical average PB of Indusind Bank was 1.48662688020386.

  • Share Price: - The current share price of Indusind Bank is Rs 1017.15. One can use valuation calculators of ticker to know if Indusind Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Indusind Bank

IndusInd Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

 

 

IndusInd Bank Ltd. is a leading Indian private-sector bank offering a wide range of banking and financial services to its customers. In this article, we will provide a comprehensive analysis of IndusInd Bank Ltd.'s stock from a long-term investor's perspective. We will cover various topics such as share price trends, balance sheets, annual reports, dividends, quarterly results, stock price movements, price charts, latest news, conference call (concall) insights, transcripts, investor presentations, promoters, and shareholders.

IndusInd Bank Ltd., a prominent Indian private sector bank, provides an extensive array of banking and financial services to its customers. This article offers a thorough analysis of IndusInd Bank Ltd.'s stock, tailored for long-term investors. We will explore share price trends, balance sheets, annual reports, dividends, quarterly results, stock price movements, price charts, latest news, concall insights, transcripts, investor presentations, promoters, and shareholders to give a holistic view of the bank's financial health and growth prospects.

IndusInd Bank Ltd. Share Price:

IndusInd Bank Ltd.'s share price is a key indicator of investor sentiment towards the company. The share price is influenced by various factors, such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s share price and identify any trends or patterns. The company's share price has shown a consistent upward trend over the past few years, reflecting the company's strong brand, product portfolio, and customer focus.

IndusInd Bank Ltd. Balance Sheet:

IndusInd Bank Ltd.'s balance sheet provides crucial information about its financial health. The company's assets include cash, investments, loans and advances, while liabilities include borrowings and other liabilities. Equity includes share capital, reserves, and surplus. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s balance sheet and identify any red flags. The company's balance sheet has been strong over the past few years, reflecting the company's ability to generate cash and manage its liabilities. 

IndusInd Bank Reserves Growth 

Reserves of IndusInd Bank Company have improved sharply, going up from ?33,329.66 crores in March ’20 to ?61,915.27 crores in March ’24. Such constant increase in reserves is an affirmation of the bank’s profitability as well as its soundness on its ability to retain earnings.

IndusInd Bank Deposits and Borrowings

Deposits have been increased from ?2,02,039.81 crores in 2020 to ?3,84,792.92 crores during the 2024 thus showcasing that the bank deposits have increased from the year 2020 to 2024. The borrowings have been relatively well contained, however they have been decreasing from ?60,753.55 crores in 2020 to ?47,611.41 crores in 2024.

Current and Other Liabilities 

Other liabilities increased from 9, 557.70 crores in 2020 to 19, 733.71 crores in 2024—all showing a picture of the bank’s increased short term commitments. Such growth corresponds to increase in the operational and clientele base of the bank within the years in question.

IndusInd Bank’s Asset Structure

The total assets have grown up from ?3,07,057.55 crores in the year at March-2020 to ?5,14,935.14 crores in the year at March-2024. The gross amount for Advances increased from ?2,06,783.17 crores in 2020 to ?3,43,298.27 crores in 2024 and Investments from ?59,979.94 crores in 2020 to ?1,06,526.71 crores in 2024. To me this suggests a concentration on furthering the growth of lending and investment business.

This paper aims to present an overview of IndusInd Bank’s continuous balance-sheet expansion.  

Here the figures for this study are derived from the financial statements of the IndusInd Bank only.

To get more analysis on banking stocks like IndusInd Bank, investors need to have quick access to look into sectoral stock performances and filter comparison sections between NSE and BSE indices.

IndusInd Bank Ltd. Annual Report:

IndusInd Bank Ltd. releases an annual report every year, which provides detailed information about the company's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Long-term investors can download IndusInd Bank Ltd.'s annual report from Ticker and use it to make informed investment decisions. The annual report provides valuable insights into the company's operations and financial performance.

IndusInd Bank Ltd. Dividend:

IndusInd Bank Ltd. pays dividends to its shareholders. The company has a consistent dividend policy and pays dividends regularly. Long-term investors should consider this when evaluating IndusInd Bank Ltd.'s stock. Our pre-built screening tools can be used to analyze the company's dividend history and identify any trends or patterns.

IndusInd Bank Ltd. Quarterly Results:

IndusInd Bank Ltd. releases its quarterly results every three months. The quarterly results provide information about the company's revenue, earnings, and expenses. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the company's financial health and performance.

IndusInd Bank Ltd. Stock Price:

The stock price of IndusInd Bank Ltd. is affected by various factors such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to track IndusInd Bank Ltd.'s stock price and identify potential buying opportunities. The stock price of IndusInd Bank Ltd. has shown a consistent upward trend over the past few years, reflecting the company's strong brand, product portfolio, and customer focus.

IndusInd Bank Ltd. Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s price chart and identify any trends or patterns. The price chart shows that the stock price of IndusInd Bank Ltd. has shown a consistent upward trend over the past few years, reflecting the company's strong brand, product portfolio, and customer focus.

IndusInd Bank Ltd. News:

Keeping up to date with the latest news about IndusInd Bank Ltd. is important for investors. Our website provides the latest news about IndusInd Bank Ltd. from various sources such as financial news websites and social media. Long-term investors can use this information to make informed investment decisions.

IndusInd Bank Ltd. Concall:

IndusInd Bank Ltd. holds conference calls with analysts and investors to discuss its financial performance and future plans. Long-term investors can listen to IndusInd Bank Ltd.'s concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

IndusInd Bank Ltd. Transcripts:

Transcripts of IndusInd Bank Ltd.'s concalls are available on our website. Long-term investors can download the transcripts and use them to analyze the company's financial performance and future plans. The transcripts provide valuable insights into the company's operations and financial performance.

IndusInd Bank Ltd. Investor Presentations:

IndusInd Bank Ltd. provides investor presentations on its website. These presentations provide information about the company's financial performance, strategic initiatives, and future plans. Long-term investors can download IndusInd Bank Ltd.'s investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the company's operations and financial performance.

IndusInd Bank Ltd. Promoters:

Promoters are individuals or entities that have a significant stake in a company. IndusInd Bank Ltd.'s promoters include the Hinduja Group. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s promoter holdings and identify any potential conflicts of interest. The promoter holdings of IndusInd Bank Ltd. are relatively stable, which is a positive sign for long-term investors.

IndusInd Bank Ltd. Shareholders:

IndusInd Bank Ltd. has a large number of shareholders, including institutional investors and individual investors. Long-term investors can use our pre-built screening tools to analyze IndusInd Bank Ltd.'s shareholder base and identify any potential risks or opportunities. The shareholder base of IndusInd Bank Ltd. is diverse, which is a positive sign for long-term investors.

IndusInd Bank Ltd. Premium Features:

Our website provides premium features tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help long-term investors make better investment decisions by providing more detailed insights into the company's financial performance and valuation.

IndusInd Bank Limited ROCE

Return on Capital Employed (ROCE) is a fundamental ratio that measures the profitability of a company in relation to its employed capital. IndusInd Bank Limited ROCE ratio reflects the bank's ability to generate profits from its capital investment. You can find the ROCE data of IndusInd Bank Limited on our stock analysis page. The ratio is available in the financials table or ratio section on the page.

IndusInd Bank Limited EBITDA

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a financial metric that shows a company's profitability before accounting for non-operating items. IndusInd Bank Limited EBITDA helps investors to gauge the actual operating performance of the bank by excluding non-operating items like financing costs. You can find the EBITDA of IndusInd Bank Limited on our stock analysis page. The ratio is available in the financials table or ratio section on the page.

IndusInd Bank Limited DPS

Dividend per Share (DPS) is the total dividends paid out per share over a specified period. IndusInd Bank Limited DPS ratio reflects the bank's ability to generate cash flows and distribute them as dividends to its shareholders. You can find the DPS data of IndusInd Bank Limited on our stock analysis page. The ratio is available in the financials table or ratio section on the page.

IndusInd Bank Limited EPS

Earnings per Share (EPS) is the portion of the bank's profit that is allocated to each share of common stock. IndusInd Bank Limited EPS ratio reveals the bank's profitability on a per-share basis. You can find the EPS data of IndusInd Bank Limited on our stock analysis page. The ratio is available in the financials table or ratio section on the page.

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