Indusind Bank

IndusInd Bank Ltd.

NSE: INDUSINDBK BSE: 532187 SECTOR: Bank - Private  174k   1k   324

806.50
+21.55 (2.75%)
NSE: 24 Jun 03:59 PM

Price Summary

Today's High

₹ 815.85

Today's Low

₹ 792.5

52 Week High

₹ 1242

52 Week Low

₹ 763.2

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 62503.79 Cr.

CASA %

41.81

No. of Shares

77.5 Cr.

P/E

13.56

P/B

1.32

Face Value

₹ 10

Div. Yield

1.05 %

Book Value (TTM)

₹  611.48

Net Interest Income

₹ 13527.89 Cr.

Cost To Income %

41.62

Promoter Holding

16.52 %

EPS (TTM)

₹  59.5

CAR %

17.38

ROE

7.39 %

ROCE

8.2%

Profit Growth

-35.8 %

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* 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 30 Indices.

BANKNIFTY

Nifty Bank
33627.45
  492.449999999997 (1.48619284744227%)

NIFTYSERVICE

Nifty Services Sector
21226.5
  177.5 (0.843270464155066%)

NIFTY100WEIGHT

Nifty100 Equal Weight
18285.75
  201.5 (1.11422923261955%)

NIFTYEQWGT

NIFTY50 Equal Weight
17651.7
  171.100000000002 (0.978799354713233%)

NIFTYPTBNK

Nifty Private Bank
16887.35
  291.25 (1.75493037520864%)

NIFTY100

Nifty 100
15858.3
  153.5 (0.977408180938322%)

NIFTY

Nifty 50
15699.25
  142.6 (0.916649792853863%)

NIFTY500

Nifty 500
13322.5
  143.700000000001 (1.09038759219353%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
8659.85
  100.65 (1.17592765679035%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
8608
  107.549999999999 (1.26522713503401%)

NIFTY200

Nifty 200
8258.6
  84.7000000000007 (1.03622505780596%)

NIFTYTOTALMCAP

Nifty Total Market index
7409.25
  81.25 (1.10876091703056%)

LIQ15

Nifty100 Liquid 15
3920.95
  43.1499999999996 (1.11274433957398%)

NIFTYHIGHBETA

Nifty High Beta 50
1691.64
  -8.4699999999998 (-0.498203057449209%)

SENSEX

S&P Bse Sensex
52727.98
  462.260000000002 (0.884442039638977%)

BANKEX

S&P Bse Bankex
38701.99
  496.07 (1.29841134567628%)

BSE500

S&P Bse 500
21223.98
  225.43 (1.07355031656948%)

SNSX50

S&P Bse Sensex50
16473.13
  149.85 (0.918014026592706%)

BSE100

S&P Bse 100
15963.31
  152.449999999999 (0.964210675447119%)

BSEPVTBANK

S&P Bse Private Bank
12638.69
  196.83 (1.58199818998124%)

FIN

S&P Bse Finance
7225.03
  99.6700000000001 (1.39880651644269%)

BSE200

S&P Bse 200
6782.42
  68.8699999999999 (1.02583580966851%)

LMI250

S&P Bse 250 LargeMidCap
6412.51
  65.6999999999998 (1.03516569741335%)

ALLCAP

S&P Bse Allcap
6091.96
  66.8599999999997 (1.10969112545849%)

LRGCAP

S&P Bse LargeCap
6057.28
  56.6099999999997 (0.943394654263607%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
5769.13
  54.9700000000003 (0.961996163915613%)

CARBONEX

S&P Bse Carbonex
2592.04
  24.71 (0.962478528276467%)

SPBSQIP

S&P Bse Quality
1000.58
  10.21 (1.03092783505154%)

ESG100

S&P Bse 100 ESG Index
263.68
  2.95999999999998 (1.13531758208039%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6376.2
  64.8699999999999 (1.02783406983948%)

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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Ratios

ROE%

1 Year7.39%
3 Year11.79%
5 Year13.43%

ROA%

1 Year0.85%
3 Year1.23%
5 Year1.45%

Net NPA%

1 Year0.69%
3 Year0.94%
5 Year0.74%

 NIM

1 Year4%
3 Year3.89%
5 Year3.77%

CAR %

17.38

Cost of Liabilities %

5.03105897410007

PEG Ratio

NA

Advances Growth %

2.81079049476536

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 16.52 45.48
Dec 2021 16.53 45.48
Sep 2021 16.54 0
Jun 2021 16.54 45.48
Mar 2021 16.55 36.36
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 11.7861105005321%.
  • The company has been consistently maintaining a NIM of 3.88539478337953% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.936666666666667%.
  • CASA stands at 41.8124568072369% of total deposits.
  • Good Capital Adequacy Ratio of 17.38%.

 Limitations

  • The company has delivered poor Profit Growth of -7.6902988502225% over the past 3 years.
  • Increase in Provision and contingencies of 70.7301719483003% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 7419.36 7574.7 7650.36 7737.49 7859.89
Other Income 1780.12 1781.07 1837.2 1876.78 1902
Interest Expended 3884.75 4010.99 3991.96 3943.92 3874.73
Operating Expenses 2253.2 2214.22 2321.14 2465.28 2558.65
Total Provisions 1865.69 1844.02 1703.36 1654.05 1463.52
Profit Before Tax 1195.84 1286.54 1471.1 1551.02 1864.99
Tax 319.89 311.59 357.57 389.75 503.62
Net Profit 875.95 974.95 1113.53 1161.27 1361.37
Net NPA % 0.69 0.84 0.8 0.71 0.64
Gross NPA % 2.67 2.88 2.77 2.48 2.27
Return on Assets % 1.03 1.12 1.26 1.26 1.47
NPM % 11.81 12.87 14.56 15.01 17.32

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 14405.67 17280.75 22261.15 28782.83 28999.8
Other Income 4171.49 4750.1 5646.72 6951.31 6558.61
Interest Expended 8343.07 9783.3 13414.97 16724.09 15471.9
Operating Expenses 4783.08 5591.44 6404.68 8237.35 8359.83
Total Provisions 1091.34 1175.43 3107.65 4652.1 7942.53
Profit Before Tax 4359.68 5480.68 4980.57 6120.61 3784.14
Taxes 1491.79 1874.69 1679.47 1702.7 947.75
Net Profit 2867.89 3605.99 3301.1 4417.91 2836.39
Adjusted EPS (Rs.) 47.95 60.08 54.77 63.7 36.68

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 598.15 600.22 602.69 693.54 773.37
Total Reserves 20032.77 23226.85 26072.1 33329.66 42586.63
Deposits 126572.22 151639.17 194867.91 202039.81 256204.96
Borrowings 22453.69 38289.08 47321.12 60753.55 51322.81
Other Liabilities 8976.38 7856.27 8944.42 9557.7 12079.57
Total Liabilities 178648.41 221626.16 277819.42 307057.55 362972.75
Assets
Balance with RBI 7748.75 10962.41 9961.17 13675.25 17870.68
Balance with Banks 10879.51 2253.47 4822.23 2328.4 38456.51
Investments 36702.14 50076.72 59266.16 59979.94 69694.71
Advances 113080.51 144953.66 186393.5 206783.17 212595.41
Net Block 1306.8 1313.31 1688.06 1742.11 1734.14
Other Assets 8902.28 12041.16 15666.35 22470.68 22546.07
Total Assets 178648.41 221626.16 277819.42 307057.55 362972.75
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 16.55 16.54 16.54 16.53 16.52
indusind internati... 10.88 10.60 10.59 10.57 -
indusind limited 3.78 3.79 3.79 3.78 -
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 83.45 83.46 83.46 83.47 83.48
life insurance cor... 1.15 - - 1.15 -
bofa securities eu... - - - - 4.62
route one offshore... 3.24 - - - 4.38
sfspvi ltd. 2.78 - 1.83 2.05 3.67
bnp paribas arbitr... 4.16 - - 3.46 1.48
europacific growth... - 3.21 4.04 - -
bridge india fund 3.04 3.05 3.05 3.04 2.69
ubs principal capi... 3.02 - - 1.39 -
dragsa india equit... 3.37 - - 2.15 3.17
route one offshore... - 1.54 1.65 3.24 -
sbi-etf nifty 50 2.63 2.02 2.22 2.54 2.53
route one fund i, ... 2.17 - 1.10 2.17 2.93
dvi fund mauritius... - 1.33 1.30 2.78 -
morgan stanley inv... - - - - 2.34
nps trust- a/c uti... 1.43 1.22 1.23 1.38 1.33
bnp paribas arbitr... - 1.91 1.80 - -
icici prudential l... - 1.80 1.34 - -
goldman sachs (sin... 1.65 - - - 1.16
tybourne equity ma... 1.65 1.97 1.76 1.44 -
government pension... - - - - 2.23
government of sing... - 1.94 2.03 2.09 -
tybourne long oppo... 1.61 1.58 1.58 1.45 -
kotak banking etf - 1.82 1.49 1.42 -
uti - equity fund 1.46 1.81 1.70 1.57 -
df international p... 1.40 - - - 1.74
aditya birla sun l... 1.60 1.79 - - -
afrin dia 1.44 1.45 1.45 1.44 1.28
ishana capital mas... 1.54 - - - 1.52
composite capital ... 1.55 - - 1.10 -
aditya birla sun l... - - - - -
reliance capital t... 1.52 - - 1.52 -
lone cascade, l.p. - 1.28 1.41 - -
reliance capital t... - 1.37 - - -
aasia corporation ... - - - - -
new leaina investm... 1.11 1.14 1.14 1.11 -
dragsa india long ... 1.30 - - - 1.23
steadview capital... - - - - -
charles-lim asiagl... - - - - -
uti - nifty exchan... - - - - 1.11
mirae asset large ... - - - 1.13 -
aia company limited - - - - 1.10
iepf 0.19 0.18 0.20 0.19 0.22

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Induslnd Bank informs about credit ratings 25 Jun 2022, 11:39AM Induslnd Bank informs about analyst meet22 Jun 2022, 12:35PM Indusind Bank informs about allotment under ESOP13 Jun 2022, 4:45PM IndusInd Bank joins hand with Mahagram24 May 2022, 9:30AM Induslnd Bank informs about clarification 6 May 2022, 9:40AM Indusind Bank reports 51% rise in Q4 consolidated net profit30 Apr 2022, 10:41AM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM Indusind Bank - Quaterly Results29 Apr 2022, 5:30PM IndusInd Bank gets global ‘Celent Model Bank’ award18 Apr 2022, 11:28AM IndusInd Bank's Indus Merchant Solutions app wins Digital ex Awards 20227 Apr 2022, 12:35PM IndusInd Bank’s deposits up 15% in Q4FY225 Apr 2022, 10:29AM IndusInd Bank informs about closure of trading window15 Mar 2022, 4:51PM IndusInd Bank informs about payment of principal and interest of bonds15 Mar 2022, 4:46PM IndusInd Bank informs about disclosure24 Feb 2022, 12:13PM IndusInd Bank to facilitate digital transactions on e-NAM portal15 Feb 2022, 12:35PM IndusInd Bank reports 50% rise in Q3 consolidated net profit 31 Jan 2022, 11:51AM IndusInd Bank closes first set of structured derivative transactions with corporate clients7 Jan 2022, 3:30PM IndusInd Bank informs about press release7 Jan 2022, 10:39AM IndusInd Bank’s deposits up 19% in Q3FY225 Jan 2022, 11:28AM Induslnd Bank informs about disclosure5 Jan 2022, 10:14AM IndusInd Bank launches ‘Green Fixed Deposits’28 Dec 2021, 2:16PM Indusind Bank informs about press release28 Dec 2021, 2:08PM Indusind Bank informs about press release27 Dec 2021, 2:06PM IndusInd Bank partners with NPCI to offer cross-border payments via UPI27 Dec 2021, 12:11PM IndusInd Bank enters into co-lending agreement with Samunnati16 Dec 2021, 4:58PM LIC gets RBI’s nod to raise stake in IndusInd Bank10 Dec 2021, 11:49AM Indusind Bank informs about disclosure 10 Dec 2021, 10:00AM Indusind Bank informs about analyst meet2 Dec 2021, 3:23PM IndusInd Bank launches NRI Homecoming festival2 Dec 2021, 12:36PM Indusind Bank informs about analyst meet1 Dec 2021, 12:02PM Induslnd Bank informs about disclosure 29 Nov 2021, 9:59AM IndusInd Bank informs about clarification23 Nov 2021, 9:49AM IndusInd Bank ties up with Toyota Kirloskar Motor18 Nov 2021, 4:28PM IndusInd Bank launches mobile application ‘Indus Merchant Solutions’17 Nov 2021, 11:48AM Indusind Bank informs about press release 6 Nov 2021, 12:10PM Indusind Bank raises Rs 2,800 crore via bonds29 Oct 2021, 3:26PM Indusind Bank reports 73% rise in Q2 consolidated net profit28 Oct 2021, 2:21PM Indusind Bank informs about press release20 Oct 2021, 2:37PM IndusInd Bank launches EMI facility on Debit cards20 Oct 2021, 11:38AM lnduslnd Bank informs about change in CFO 14 Oct 2021, 11:00AM IndusInd Bank gets authority by RBI to collect Direct and Indirect Taxes 12 Oct 2021, 4:44PM Indusind Bank informs about statement of debt securities/ NCDs 5 Oct 2021, 2:18PM IndusInd Bank’s deposits up 21% in Q2FY225 Oct 2021, 10:34AM IndusInd Bank informs about updates5 Oct 2021, 9:54AM IndusInd Bank acquires 4.79% stake in McLeod Russel India30 Sep 2021, 12:17PM IndusInd Bank inks pact with Indel Money29 Sep 2021, 4:33PM Indusind Bank informs about disclosure28 Sep 2021, 12:32PM IndusInd Bank sells balance stake in McLeod Russel India28 Sep 2021, 11:57AM IndusInd Bank partners with Vistara to launch co-branded credit card27 Sep 2021, 1:32PM

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.

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 28999.7967 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 18.8347299137219 % in last 3 Years.

  • In terms of advances, the bank reported 2.81079049476536 % YOY,  rise . If you see 3 years advance growth, it stands at 13.6165420952692 %.

  • Currently the company has a CASA ratio of 41.8124568072369 %. It’s overall cost of liability stands at 5.03105897410007 %. Also, the total deposits from these accounts stood at Rs 256204.9568 Cr.

  • The Bank has a healthy ROA track record. The ROA of Indusind Bank is at 0.846645890365459 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.67 % and 0.69 % 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 70.7301719483002 % 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 Indusind Bank decreased and is currently at Rs 6558.612 Cr.

  • The company has a Good Capital Adequacy Ratio of 17.38 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Indusind Bank is trading at a P/B of 1.3197 . The historical average PB was 3.05355696044933.

Brief about Indusind Bank

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