Indusind Bank

₹932.2 -2.5 | 0.3%

WEBSITE BSE:532187 NSE : INDUSIND BNK 26 Dec, 16:01

Market Cap ₹72619 Cr.

Stock P/E 8.1

P/B 1.1

Current Price ₹932.2

Book Value ₹ 837.9

Face Value 10

52W High ₹1694.4

Dividend Yield 1.77%

52W Low ₹ 927.1

Edit Ratio

Indusind Bank Research see more...

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.

Indusind Bank Share Price

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Indusind Bank Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Interest Earned	8182	8708	9457	10021	10730	11248	11572	12199	12547	12686
Other Income	1932	2011	2076	2154	2210	2282	2396	2508	2442	2185
Total Income	10113	10719	11534	12174	12939	13530	13968	14707	14988	14871
Interest Expense	4057	4406	4962	5351	5863	6171	6277	6822	7139	7339
Operating Expenditure	2626	2769	2885	3066	3245	3450	3649	3803	3897	3932
Provisions and contingencies	1251	1141	1065	1030	992	974	969	950	1050	1820
Operating Profit	2180	2403	2622	2727	2840	2935	3073	3131	2902	1780
Profit Before Tax	2180	2403	2622	2727	2840	2935	3073	3131	2902	1780
Provision for Tax	549	598	658	684	715	733	772	782	731	448
Profit After Tax	1631	1805	1964	2043	2124	2202	2301	2349	2171	1331
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1631	1805	1964	2043	2125	2202	2301	2349	2171	1331
Adjusted Earnings Per Share	21	23.3	25.3	26.3	27.4	28.3	29.6	30.2	27.9	17.1

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	49004
Other Income	3297	4171	4750	5647	6953	6501	7345	8173	9396	9531
Total Income	15169	18577	22031	27908	35736	35501	38167	44541	55144	58534
Interest Expense	7355	8343	9783	13415	16724	15472	15822	18776	25132	27577
Operating Expenditure	3672	4783	5591	6405	8183	8157	9311	11346	14148	15281
Provisions and contingencies	672	1091	1175	3108	4652	7943	6602	4487	3885	4789
Operating Profit	3469	4360	5481	4980	6177	3929	6433	9932	11979	10886
Profit Before Tax	3469	4360	5481	4980	6177	3929	6433	9932	11979	10886
Provision for Tax	1183	1492	1875	1679	1719	1000	1628	2489	3002	2733
Profit After Tax	2286	2868	3606	3300	4458	2930	4805	7443	8977	8152
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	2287	2868	3606	3301	4458	2930	4805	7443	8977	8152
Adjusted Earnings Per Share	38.4	48	60.1	54.8	64.3	37.9	62	95.9	115.3	104.8

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	-41%	3%	-9%	2%
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

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	15.16	15.16	15.16	15.15	15.14	15.12	15.11	15.1	15.09	15.09
FII	42.07	43.06	40.9	38.6	38.62	37.66	38.55	36.63	35	31.3
DII	19.3	20.81	23.18	24.8	24.67	26.64	24.88	26.63	28.08	32.39
Public	15.27	12.78	12.58	13.27	13.39	12.41	13.33	13.71	13.97	13.44
Others	8.19	8.19	8.19	8.18	8.18	8.17	8.12	7.92	7.86	7.79
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75
FII	32.61	33.38	31.72	29.95	29.97	29.26	29.98	28.51	27.25	24.39
DII	14.96	16.13	17.97	19.24	19.14	20.7	19.35	20.73	21.87	25.23
Public	11.84	9.91	9.75	10.3	10.39	9.64	10.37	10.67	10.88	10.47
Others	6.35	6.35	6.35	6.35	6.35	6.35	6.32	6.17	6.12	6.07
Total	77.51	77.52	77.54	77.59	77.6	77.71	77.77	77.83	77.87	77.9

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.

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Indusind Bank

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Indusind Bank Research see more...

Overview Inc. Year: 1994Industry: Bank - Private

Indusind Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Indusind Bank Quarterly Results

Indusind Bank Profit & Loss

Growth Rates

Indusind Bank Balance Sheet

Indusind Bank Cash Flow

Indusind Bank Ratios

Indusind Bank Shareholding Pattern

Indusind Bank News

Top Unlisted Companies & InstaBuy Companies

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