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Consolidated Standalone

Indusind Bank

₹1479.2 -4.9 | 0.3%

Market Cap ₹115228 Cr.

Stock P/E 12.8

P/B 1.8

Current Price ₹1479.2

Book Value ₹ 834.2

Face Value 10

52W High ₹1694.4

Dividend Yield 1.12%

52W Low ₹ 1328.8

Edit Ratio

Indusind Bank Research see more...

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Initial Coverage: IndusInd Bank

Overview Inc. Year: 1994Industry: Bank - Private

IndusInd Bank Ltd is in banking and para-banking services. The Bank is targeted on accepting deposits, which includes financial savings debts, current accounts and fixed deposits, and banking solutions. The Bank is engaged in granting loans to various segments, together with industries and corporations, and retail loans; financing a range of vehicles or system to people, and priority region lending. The Bank's segments consist of Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Business. The Treasury segment consists of investment portfolios, profit or loss on sale of investments, income or loss on forex transactions, equities, income from derivatives and cash marketplace operations. The Corporate/Wholesale Banking section includes lending to and deposits from company customers. The Retail Banking section includes lending to and deposits from retail customers.

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Indusind Bank Share Price

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Peer Comparison

Indusind Bank Quarterly Results

#(Fig in Cr.) Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Interest Earned 7860 8182 8708 9457 10021 10730 11248 11572 12199 12547
Other Income 1903 1932 2011 2076 2154 2210 2282 2396 2508 2442
Total Income 9763 10113 10719 11534 12174 12939 13530 13968 14707 14988
Interest Expense 3875 4057 4406 4962 5351 5863 6171 6277 6822 7139
Operating Expenditure 2509 2626 2769 2885 3066 3245 3450 3649 3803 3897
Provisions and contingencies 1462 1251 1141 1065 1030 992 974 969 950 1050
Operating Profit 1918 2180 2403 2622 2727 2840 2935 3073 3131 2902
Profit Before Tax 1918 2180 2403 2622 2727 2840 2935 3073 3131 2902
Provision for Tax 517 549 598 658 684 715 733 772 782 731
Profit After Tax 1401 1631 1805 1964 2043 2124 2202 2301 2349 2171
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 1401 1631 1805 1964 2043 2125 2202 2301 2349 2171
Adjusted Earnings Per Share 18.1 21 23.3 25.3 26.3 27.4 28.3 29.6 30.2 27.9

Indusind Bank Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 11872 14406 17281 22261 28783 29000 30822 36368 45748 47566
Other Income 3297 4171 4750 5647 6953 6501 7345 8173 9396 9628
Total Income 15169 18577 22031 27908 35736 35501 38167 44541 55144 57193
Interest Expense 7355 8343 9783 13415 16724 15472 15822 18776 25132 26409
Operating Expenditure 3672 4783 5591 6405 8183 8157 9311 11346 14148 14799
Provisions and contingencies 672 1091 1175 3108 4652 7943 6602 4487 3885 3943
Operating Profit 3469 4360 5481 4980 6177 3929 6433 9932 11979 12041
Profit Before Tax 3469 4360 5481 4980 6177 3929 6433 9932 11979 12041
Provision for Tax 1183 1492 1875 1679 1719 1000 1628 2489 3002 3018
Profit After Tax 2286 2868 3606 3300 4458 2930 4805 7443 8977 9023
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 2287 2868 3606 3301 4458 2930 4805 7443 8977 9023
Adjusted Earnings Per Share 38.4 48 60.1 54.8 64.3 37.9 62 95.9 115.3 116

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 26% 16% 15% 0%
Operating Profit CAGR 21% 45% 19% 0%
PAT CAGR 21% 45% 22% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 3% 11% 1% 9%
ROE Average 15% 13% 13% 13%
ROCE Average 14% 13% 12% 12%

Indusind Bank Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 17697 20648 23843 26687 34748 43501 48026 55005 63208
Minority's Interest 0 0 0 0 0 0 0 0 0
Deposits 93000 126572 151639 194868 202027 255870 293349 336120 384586
Borrowings 24996 22454 38289 47321 60754 51323 47323 49011 47611
Other Liabilities & Provisions 7205 8976 7856 8944 9700 12210 13268 17701 19689
Total Liabilities 142898 178650 221628 277821 307229 362903 401967 457837 515094
Cash and balance with RBI 4521 7749 10962 9961 13683 17957 60198 42975 18561
Bank Balance 5591 10880 2253 4822 2372 38652 8387 13802 18347
Investments 34056 36704 50078 59268 59938 69653 70930 83076 106486
Advances 88419 113081 144954 186394 206783 212595 239052 289924 343298
Fixed Assets 1218 1307 1313 1688 1792 1801 1834 1944 2127
Other Assets 9056 8902 12041 15666 22582 22169 21472 25982 26078
Total Assets 142898 178650 221628 277821 307229 362903 401967 457837 515094

Indusind Bank Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 10779 10112 18628 13216 14783 16054 56610 68585 56777
Cash Flow from Operating Activities -2927 11569 -20700 -6389 -12907 44976 16672 -12442 -16925
Cash Flow from Investing Activities -258 -274 -220 -638 -416 -331 -406 -560 -711
Cash Flow from Financing Activities 2517 -2768 15505 8590 12733 -4096 -4302 1115 -2242
Net Cash Inflow / Outflow -667 8527 -5415 1563 -591 40549 11964 -11888 -19878
Closing Cash & Cash Equivalent 10112 18628 13216 14783 16054 56610 68585 56777 36907

Indusind Bank Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 38.43 47.95 60.08 54.77 64.28 37.89 62.03 95.93 115.34
CEPS(Rs) 41.06 51.13 63.6 58.56 68.47 42.12 66.57 101.18 121.29
DPS(Rs) 4.5 6 7.5 7.5 0 5 8.5 14 16.5
Book NAV/Share(Rs) 290.81 338.68 390.96 437.22 486.57 558.36 615.79 704.46 806.97
Yield on Advances 13.43 12.74 11.92 11.94 13.92 13.64 12.89 12.54 13.33
Yield on Investments 6.5 7.48 6.87 6.4 8.07 7.66 6.55 5.73 6.21
Cost of Liabilities 6.23 5.6 5.15 5.54 6.36 5.04 4.64 4.88 5.82
NIM (Net Interest Margin) 3.41 3.6 3.6 3.4 4.26 3.99 3.96 4.09 4.24
Interest Spread 7.19 7.14 6.77 6.4 7.56 8.6 8.25 7.67 7.51
ROA(%) 1.6 1.78 1.8 1.32 1.52 0.87 1.26 1.73 1.85
ROE(%) 13.21 15.27 16.49 13.25 14.84 7.62 10.57 14.54 15.28
ROCE(%) 11.98 13.45 13.72 11.44 11.79 8.35 10.33 13.07 14.34
PER(x) 25.18 29.39 29.89 32.54 5.46 25.18 15.08 11.13 13.49
Price/Book(x) 3.33 4.16 4.59 4.08 0.72 1.71 1.52 1.52 1.93
Dividend Yield(%) 0.47 0.43 0.42 0.42 0 0.52 0.91 1.31 1.06
EV/Net Sales(x) 6.95 7.41 8.45 6.95 2.96 4.31 3.89 3.63 3.69
EV/Core EBITDA(x) 19.94 19.59 21.94 19.13 7.86 10.54 9.19 9.15 10.63
Interest Earned Growth(%) 0 21.34 19.96 28.82 29.3 0.75 6.29 17.99 25.79
Net Profit Growth 0 25.43 25.74 -8.47 35.07 -34.28 63.99 54.92 20.61
Advances Growth 0 27.89 28.19 28.59 10.94 2.81 12.44 21.28 18.41
EPS Growth(%) 0 24.76 25.29 -8.84 17.37 -41.06 63.72 54.66 20.23
Loans/Deposits(x) 26.88 17.74 25.25 24.28 30.07 20.06 16.13 14.58 12.38
Cash/Deposits(x) 0.05 0.06 0.07 0.05 0.07 0.07 0.21 0.13 0.05
Current Ratio(x) 0.37 0.29 0.33 0.3 0.3 0.27 0.24 0.25 0.28
Quick Ratio(x) 26.88 17.74 25.25 24.28 30.07 20.06 16.13 14.58 12.38
CASA % 35.19 36.85 44.01 43.14 40.37 41.74 42.72 40.08 37.88

Indusind Bank Shareholding Pattern

# Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Promoter 15.17 15.16 15.16 15.16 15.15 15.14 15.12 15.11 15.1 15.09
FII 42.54 42.07 43.06 40.9 38.6 38.62 37.66 38.55 36.63 35
DII 20.05 19.3 20.81 23.18 24.8 24.67 26.64 24.88 26.63 28.08
Public 14.04 15.27 12.78 12.58 13.27 13.39 12.41 13.33 13.71 13.97
Others 8.19 8.19 8.19 8.19 8.18 8.18 8.17 8.12 7.92 7.86
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 22% CAGR over last 5 years
  • Company has reduced debt.

Cons

  • Promoter holding is low: 15.09%.
  • 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.

Indusind Bank News

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