Indusind Bank

₹1479.2 -4.9 | 0.3%

WEBSITE BSE:532187 NSE : INDUSIND BNK 20 Sep, 16:01

Market Cap ₹115228 Cr.

Stock P/E 12.8

P/B 1.8

Current Price ₹1479.2

Book Value ₹ 828.6

Face Value 10

52W High ₹1694.4

Dividend Yield 1.12%

52W Low ₹ 1328.8

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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Price: NSE50 DMA200 DMAVolume

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Peer Comparison

Indusind Bank Quarterly Results

#(Fig in Cr.)	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Interest Earned	3830	4136	4208	4287	4650
Other Income	1211	1167	1188	1187	1209
Total Income	5041	5303	5396	5474	5859
Interest Expense	2163	2361	2387	2392	2643
Operating Expenditure	1307	1353	1375	1417	1447
Provisions and contingencies	430	310	294	236	336
Operating Profit	1142	1279	1340	1429	1434
Profit Before Tax	1142	1279	1340	1429	1434
Provision for Tax	390	442	460	492	481
Profit After Tax	752	837	880	936	953
Adjustments	-752	-837	-880	-936	-953
Profit After Adjustments	0	0	0	0	0
Adjusted Earnings Per Share	12.6	14	14.7	15.6	15.9

Indusind Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	8254	9692	11872	14406	17281	22261	28783	29000	30822	36368	45748	17281
Other Income	1891	2548	3297	4171	4750	5647	6951	6559	7334	8166	9388
Total Income	10144	12240	15169	18577	22031	27908	35734	35558	38157	44534	55136	22032
Interest Expense	5363	6272	7355	8343	9783	13415	16724	15472	15822	18776	25132	9783
Operating Expenditure	2185	2870	3672	4783	5591	6405	8237	8360	9559	11412	14263	5592
Provisions and contingencies	468	389	672	1091	1175	3108	4652	7943	6602	4487	3799	1176
Operating Profit	2128	2709	3469	4360	5481	4981	6121	3784	6174	9860	11942	5482
Profit Before Tax	2128	2709	3469	4360	5481	4981	6121	3784	6174	9860	11942	5482
Provision for Tax	720	915	1183	1492	1875	1679	1703	948	1563	2470	2992	1875
Profit After Tax	1408	1794	2286	2868	3606	3301	4418	2836	4611	7390	8950	3606
Adjustments	0	0	0	0	0	0	0	0	0	0	0	-3606
Profit After Adjustments	1408	1794	2286	2868	3606	3301	4418	2836	4611	7390	8950	0
Adjusted Earnings Per Share	26.8	33.9	38.4	47.9	60.1	54.8	63.7	36.7	59.5	95.2	115	60.2

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	26%	16%	15%	19%
Operating Profit CAGR	21%	47%	19%	19%
PAT CAGR	21%	47%	22%	20%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	3%	11%	1%	9%
ROE Average	15%	13%	12%	15%
ROCE Average	14%	13%	11%	13%

Indusind Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	9043	10645	17696	20646	23842	26686	34706	43365	47697	54622	62797
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	60502	74134	93000	126572	151639	194868	202040	256205	293681	336438	384793
Borrowings	14762	20618	24996	22454	38289	47321	60754	51323	47323	49011	47611
Other Liabilities & Provisions	2719	6390	7205	8976	7856	8944	9558	12080	13273	17733	19734
Total Liabilities	87026	111787	142897	178648	221626	277819	307058	362973	401975	457804	514935
Cash and balance with RBI	4414	4035	4521	7749	10962	9961	13675	17871	60141	42961	18557
Bank Balance	2356	6744	5591	10880	2253	4822	2328	38457	8133	13550	18244
Investments	21563	22878	34054	36702	50077	59266	59980	69695	70971	83116	106527
Advances	55102	68788	88419	113081	144954	186394	206783	212595	239052	289924	343298
Fixed Assets	991	1120	1218	1307	1313	1688	1742	1734	1754	1857	2001
Other Assets	2575	8184	9056	8902	12041	15666	22471	22546	21829	26260	26111
Total Assets	87026	111787	142897	178648	221626	277819	307058	362973	401975	457804	514935

Indusind Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	6849	6769	10779	10112	18628	13216	14783	16004	56327	68274	56511
Cash Flow from Operating Activities	-4106	-1421	-2927	11569	-20700	-6389	-12039	44646	16600	-12438	-16843
Cash Flow from Investing Activities	-174	-276	-258	-274	-220	-638	-400	-233	-362	-520	-633
Cash Flow from Financing Activities	4200	5707	2517	-2768	15505	8590	12733	-4096	-4302	1115	-2242
Net Cash Inflow / Outflow	-79	4010	-667	8527	-5415	1563	294	40317	11936	-11843	-19718
Closing Cash & Cash Equivalent	6769	10779	10112	18628	13216	14783	16004	56327	68274	56511	36802

Indusind Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	26.8	33.88	38.43	47.95	60.08	54.77	63.7	36.68	59.52	95.24	114.99
CEPS(Rs)	28.66	36.27	41.06	51.13	63.6	58.57	67.71	40.62	63.67	100.05	120.44
DPS(Rs)	3.5	4	4.5	6	7.5	7.5	0	5	8.5	14	16.5
Book NAV/Share(Rs)	164.33	193.4	290.79	338.65	390.94	437.2	485.97	556.61	611.54	699.52	801.7
Yield on Advances	14.98	14.09	13.43	12.74	11.92	11.94	13.92	13.64	12.89	12.54	13.33
Yield on Investments	7.44	7.45	6.5	7.48	6.87	6.4	8.06	7.65	6.55	5.72	6.21
Cost of Liabilities	7.13	6.62	6.23	5.6	5.15	5.54	6.36	5.03	4.64	4.87	5.81
NIM (Net Interest Margin)	3.46	3.34	3.41	3.6	3.6	3.4	4.26	4	3.97	4.1	4.24
Interest Spread	7.85	7.47	7.19	7.14	6.77	6.4	7.56	8.61	8.25	7.67	7.51
ROA(%)	1.76	1.8	1.8	1.78	1.8	1.32	1.51	0.85	1.21	1.72	1.84
ROE(%)	17.56	19.01	16.6	15.27	16.5	13.25	14.71	7.39	10.2	14.54	15.34
ROCE(%)	15.2	13.83	13.83	13.45	13.72	11.44	11.73	8.2	10.08	13.04	14.36
PER(x)	18.7	26.05	25.18	29.4	29.89	32.54	5.51	26.01	15.71	11.22	13.53
Price/Book(x)	3.05	4.56	3.33	4.16	4.59	4.08	0.72	1.71	1.53	1.53	1.94
Dividend Yield(%)	0.7	0.45	0.47	0.43	0.42	0.42	0	0.52	0.91	1.31	1.06
EV/Net Sales(x)	4.98	6.95	6.95	7.41	8.45	6.95	2.96	4.31	3.89	3.63	3.69
EV/Core EBITDA(x)	15.83	21.74	19.94	19.59	21.94	19.13	7.9	10.67	9.37	9.19	10.72
Interest Earned Growth(%)	18.19	17.43	22.49	21.34	19.96	28.82	29.3	0.75	6.29	17.99	25.79
Net Profit Growth	32.68	27.39	27.47	25.43	25.74	-8.46	33.83	-35.8	62.57	60.26	21.11
Advances Growth	24.33	24.84	28.54	27.89	28.19	28.59	10.94	2.81	12.44	21.28	18.41
EPS Growth(%)	31.99	26.43	13.43	24.77	25.3	-8.83	16.3	-42.43	62.3	60	20.73
Loans/Deposits(x)	24.4	27.81	26.88	17.74	25.25	24.28	30.07	20.03	16.11	14.57	12.37
Cash/Deposits(x)	0.07	0.05	0.05	0.06	0.07	0.05	0.07	0.07	0.2	0.13	0.05
Current Ratio(x)	0.36	0.31	0.37	0.29	0.33	0.3	0.3	0.27	0.24	0.25	0.28
Quick Ratio(x)	24.4	27.81	26.88	17.74	25.25	24.28	30.07	20.03	16.11	14.57	12.37
CASA %	32.55	34.13	35.19	36.85	44.01	43.14	40.37	41.81	42.79	40.14	37.91

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

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75	11.75
FII	32.95	32.61	33.38	31.72	29.95	29.97	29.26	29.98	28.51	27.25
DII	15.54	14.96	16.13	17.97	19.24	19.14	20.7	19.35	20.73	21.87
Public	10.88	11.84	9.91	9.75	10.3	10.39	9.64	10.37	10.67	10.88
Others	6.35	6.35	6.35	6.35	6.35	6.35	6.35	6.32	6.17	6.12
Total	77.47	77.51	77.52	77.54	77.59	77.6	77.71	77.77	77.83	77.87

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

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