Kotak Mahindra Bank Ltd.

NSE: KOTAKBANK BSE: 500247 SECTOR: Bank - Private  210k   2k   340

1893.75
+1.15 (0.06%)
NSE: 21 Jan 03:58 PM

Price Summary

Today's High

₹ 1901

Today's Low

₹ 1849.55

52 Week High

₹ 2253

52 Week Low

₹ 1626

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
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

375700.92 Cr.

CASA %

60.45

No. of Shares

198.39 Cr.

P/E

52.11

P/B

5.62

Face Value

₹ 5

Div. Yield

0.05 %

Book Value (TTM)

₹  337.1

Net Interest Income

15339.65 Cr.

Cost To Income %

41.27

Promoter Holding

25.99 %

EPS (TTM)

₹  36.34

CAR %

22.26

ROE

12.47 %

ROCE

12.26%

Profit Growth

17.11 %

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

Your Added Ratios

Please login to Add & View your own added ratios.

Login

Index Presence

The company is present in 37 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 Year12.47%
3 Year12.58%
5 Year12.7%

ROA%

1 Year1.87%
3 Year1.78%
5 Year1.74%

Net NPA%

1 Year1.21%
3 Year0.89%
5 Year0.98%

 NIM

1 Year4.16%
3 Year3.92%
5 Year3.9%

CAR %

22.26

Cost of Liabilities %

3.78620396664665

PEG Ratio

3.96

Advances Growth %

1.7931594609149

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 25.99 0
Sep 2021 26 0
Jun 2021 26 0
Mar 2021 26.02 0
Dec 2020 26.03 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.77597198302112% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.5768763094171%.
  • The company has been consistently maintaining a NIM of 3.91927837914449% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.89%.
  • CASA stands at 60.4472303383977% of total deposits.
  • Good Capital Adequacy Ratio of 22.26%.
  • The company has delivered good Profit growth of 19.4714987932307% over the past 3 years.

 Limitations

  • Increase in Provision and contingencies of 31.3851227613752% on YoY.
  • The company is trading 5.49787471773043 times of its Book Value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 6820.29 6790.54 6448.86 6479.78 6596.28
Other Income 1432.42 1334.38 1949.53 1583.03 1812.59
Interest Expended 2922.84 2783.72 2606.05 2538.13 2575.72
Operating Expenses 2067.75 2257.86 2384.85 2403.62 2712.99
Total Provisions 333.22 599.03 1179.41 934.77 423.99
Profit Before Tax 2928.9 2484.31 2228.08 2186.29 2696.17
Tax 744.42 630.77 545.71 544.37 664.16
Net Profit 2184.48 1853.54 1682.37 1641.92 2032.01
Net NPA % 0.64 0.5 1.21 1.28 1.06
Gross NPA % 2.55 2.26 3.25 3.56 3.19
Return on Assets % 0.59 0.49 0.43 0.43 0.52
NPM % 32.03 27.3 26.09 25.34 30.81

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 17698.93 19748.5 23890.05 26929.61 26840.27
Other Income 3477.16 4052.21 4657.18 5372.11 5459.19
Interest Expended 9572.78 10216.81 12684.25 13429.95 11500.62
Operating Expenses 5618.5 6425.72 7514.8 8850.94 8584.14
Total Provisions 836.74 939.95 962.39 2216.17 2911.71
Profit Before Tax 5148.07 6218.22 7385.79 7804.67 9302.99
Taxes 1736.57 2133.92 2520.46 1857.49 2338.15
Net Profit 3411.5 4084.3 4865.33 5947.18 6964.84
Adjusted EPS (Rs.) 18.53 21.43 25.49 30.88 34.94

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 920.45 952.82 1454.38 1456.52 1490.92
Total Reserves 26695.62 36528.83 41444 47558.78 62236.05
Deposits 157425.86 192643.27 225880.36 262820.52 280100.05
Borrowings 21095.48 25154.15 32248.29 37993.31 23650.65
Other Liabilities 8450.68 9652.15 11142.98 10419.68 16008.8
Total Liabilities 214589.96 264933.4 312172.09 360251.68 383488.62
Assets
Balance with RBI 7492.43 8908.51 10877.52 9505.05 12493.61
Balance with Banks 15079.58 10711.6 13798.02 43787.25 27132.92
Investments 45074.19 64562.35 71189.09 75051.55 105099.19
Advances 136082.13 169717.92 205694.81 219748.19 223688.62
Net Block 1537.63 1527.16 1651.55 1623.13 1535.27
Other Assets 9324 9505.86 8961.11 10536.52 13539.01
Total Assets 214589.96 264933.4 312172.09 360251.68 383488.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 26.03 26.02 26.00 26.00 25.99
uday suresh kotak 25.80 25.78 25.77 25.76 25.75
indira suresh kotak 0.10 0.10 0.10 0.10 0.10
janak dinkarrai de... 0.05 0.05 0.05 0.05 0.05
pallavi kotak 0.06 0.06 0.06 0.06 0.06
kotak trustee comp... 0.01 - - - -
suresh amritlal ko... 0.01 0.01 0.01 0.01 0.01
suresh a kotak (hu... 0.01 0.01 0.01 0.01 0.01
kotak trustee comp... - 0.01 0.01 - -
kotak trustee comp... - - - 0.01 0.01
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 73.97 73.98 74.00 74.00 74.01
canada pension pla... 6.38 6.37 6.37 6.37 6.37
europacific growth... 4.98 4.99 4.45 2.65 2.78
life insurance cor... 3.44 3.76 4.38 4.96 4.96
oppenheimer develo... 3.49 3.39 3.30 3.52 3.51
sbi mutual fund 2.15 2.31 2.41 2.80 2.66
capital world grow... 2.38 2.56 2.30 2.35 2.50
new world fund inc 1.80 1.96 1.98 2.19 2.23
axis mutual fund 1.50 1.78 1.55 1.17 1.37
sumitomo mitsui ba... 1.66 1.66 1.65 1.65 1.65
caladium investmen... 1.31 1.31 1.31 1.31 1.31
caisse de depot et... 1.10 - - - -
national pension s... 1.03 1.09 1.15 1.17 1.17
aditya birla sun l... - - - - -
the new economy fu... - - 1.00 1.05 1.05
iepf 0.17 0.16 0.16 0.17 0.17

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Kotak Mahindra Bank signs MoU with GIFT SEZ21 Jan 2022, 9:59AM Kotak Mahindra Bank informs about loss of share certificates20 Jan 2022, 4:34PM Kotak Mahindra Bank informs about board meeting18 Jan 2022, 4:23PM Kotak Mahindra Bank introduces same day settlement feature for merchants 18 Jan 2022, 10:53AM Kotak Mahindra Bank introduces super offers on Apple products for cardholders14 Jan 2022, 12:26PM Kotak Mahindra Bank informs about loss of share certificates13 Jan 2022, 12:57PM Kotak Mahindra Bank’s arm to raise term insurance premiums rates6 Jan 2022, 5:11PM Kotak Mahindra Bank informs about allotment under ESOP 31 Dec 2021, 3:47PM Kotak Mahindra Bank’s arm acquires passenger vehicle finance portfolio of FCIPL23 Dec 2021, 10:27AM Kotak Mahindra Bank inks exclusive pact with ‘83’ movie22 Dec 2021, 3:55PM Kotak Mahindra Bank informs about postal ballot notice20 Dec 2021, 12:46PM Kotak Mahindra Bank informs about disclosure18 Dec 2021, 12:04PM Kotak Mahindra Bank’s arm enters into definitive agreement with Entroq Technologies18 Dec 2021, 9:11AM Kotak Mahindra Bank, IndiGo launch travel credit card ‘Ka-ching’15 Dec 2021, 4:48PM Kotak Mahindra Bank launches 'Aadhaar on Wheels' in Pune 14 Dec 2021, 11:05AM Kotak Mahindra Bank informs about details of loss of certificate 13 Dec 2021, 5:14PM Kotak Mahindra Bank planning to raise funds through various modes7 Dec 2021, 12:38PM Kotak Mahindra Bank enters into agreement with Worldline2 Dec 2021, 3:17PM Kotak Mahindra Bank becomes fourth largest FASTag issuer in October30 Nov 2021, 9:00AM LIC to raise stake in Kotak Mahindra Bank29 Nov 2021, 3:56PM Kotak Mahindra Bank partners with PVR to launch co-branded debit card16 Nov 2021, 2:58PM Kotak Mahindra Bank completes acquisition of 10% stake in KFin Technologies11 Nov 2021, 9:03AM Kotak Mahindra Bank informs about loss of share certificates9 Nov 2021, 4:03PM Kotak Mahindra Bank hikes home loan rates9 Nov 2021, 10:40AM Kotak Mahindra Bank informs about analyst meet8 Nov 2021, 4:43PM Kotak Mahindra Bank reports marginal rise in Q2 consolidated net profit26 Oct 2021, 4:08PM Kotak Mahindra Bank informs about financial results 26 Oct 2021, 2:27PM Kotak Mahindra Bank partners with IndiGo26 Oct 2021, 9:38AM Kotak Mahindra Bank informs about loss of share certificates25 Oct 2021, 10:54AM Kotak Mahindra Bank partners with Pine Labs22 Oct 2021, 10:54AM Kotak Mahindra Bank joins hand with Mumbai Police Cyber Crime 21 Oct 2021, 12:22PM Kotak Mahindra Bank informs about loss of share certificates20 Oct 2021, 12:59PM Kotak Mahindra Bank informs about board meeting16 Oct 2021, 12:45PM Kotak Mahindra Bank partners with India SME Forum 16 Oct 2021, 11:58AM Kotak Mahindra Bank launches Micro ATMs across India13 Oct 2021, 10:56AM Kotak Mahindra Bank launches extensive multi-media marketing campaign6 Oct 2021, 12:20PM Kotak Mahindra Bank receives approval for collection of direct and indirect taxes6 Oct 2021, 10:27AM Kotak Mahindra Bank launches NPS on Mobile 4 Oct 2021, 2:42PM Kotak Mahindra Bank forays into healthcare lending space22 Sep 2021, 10:46AM Kotak Mahindra Bank informs about disclousre20 Sep 2021, 11:29AM Kotak Mahindra Bank informs about analyst meet20 Sep 2021, 11:28AM Kotak Mahindra Bank agrees to subscribe stake in KFin Technologies20 Sep 2021, 10:55AM Kotak Mahindra Group acquires vehicle financing loan portfolio of Volkswagen Finance17 Sep 2021, 10:50AM Kotak Mahindra Bank inks pact with Indian Institute of Science17 Sep 2021, 9:28AM Kotak Mahindra Bank informs about loss of share certificates14 Sep 2021, 4:33PM Kotak Mahindra Bank informs about analyst meet14 Sep 2021, 4:28PM Kotak Mahindra Bank informs about allotment of equity shares 8 Sep 2021, 4:18PM Kotak Mahindra Bank completes sale of equity shares in Airtel Payments Bank2 Sep 2021, 12:56PM Kotak Mahindra Bank to sell shares of Airtel Payments Bank to Bharti Enterprises31 Aug 2021, 10:01AM Kotak Mahindra Bank informs about outcome of 36th AGM27 Aug 2021, 12:10PM

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 26840.2677 Cr. revenue in the latest financial year. It has posted decent revenue growth of 10.7687269202226 % in last 3 Years.

  • In terms of advances, the bank reported 1.7931594609149 % YOY,  rise . If you see 3 years advance growth, it stands at 9.64076583429658 %.

  • Currently the company has a CASA ratio of 60.4472303383977 %. It’s overall cost of liability stands at 3.78620396664665 %. Also, the total deposits from these accounts stood at Rs 280100.0452 Cr.

  • The Bank has a healthy ROA track record. The ROA of Kotak Mahindra Bank is at 1.87292164451193 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.25 % and 1.21 % 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 31.3851227613752 % 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 surged and is currently at Rs 5459.1891 Cr.

  • The company has a Good Capital Adequacy Ratio of 22.26 .

  • 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 5.5876 . The historical average PB was 5.55356818565649.

Brief about Kotak Mahindra Bank

X