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Consolidated Standalone

Kotak Mahindra Bank

₹1754 4.5 | 0.3%

Market Cap ₹348716 Cr.

Stock P/E 19.4

P/B 2.4

Current Price ₹1754

Book Value ₹ 740.4

Face Value 5

52W High ₹1953

Dividend Yield 0.11%

52W Low ₹ 1544.2

Edit Ratio

Kotak Mahindra Bank Research see more...

Stocx User

Kotak Mahindra Bank looks strong to achieve high growth in ROE and Market Capitalisation by FY25.

Overview Inc. Year: 1985Industry: Bank - Private

Kotak Mahindra Bank Limited (the Bank) is an India-based bank. The Bank provides a number of banking services to its clients such as retail banking, treasury and corporate banking in India and also has a representative workplace in Dubai. Its segments include Corporate / Wholesale Banking, Retail Banking, Treasury, BMU and Corporate Centre, and Other Banking commercial enterprise. The Corporate / Wholesale Banking segment consists of wholesale borrowings and lending and other related offerings to the corporate area, which are not protected under retail banking. The Retail Banking segment includes lending, branch banking and credit cards. The Treasury, BMU and Corporate Centre segment includes money market, forex marketplace, derivatives, investments and primary dealership of government securities and balance sheet management unit (BMU) for asset liability control and corporate centre, which commonly consists of help features. The Other Banking business section consists of different groups.

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Kotak Mahindra Bank Share Price

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Peer Comparison

Kotak Mahindra 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 9164 9994 11011 11982 12869 13717 14495 15156 15837 16427
Other Income 2405 7441 7360 8785 7855 7843 9588 12751 9239 10453
Total Income 11569 17435 18372 20767 20724 21560 24083 27907 25076 26880
Interest Expense 3004 3375 3802 4230 4834 5536 5985 6212 6805 7139
Operating Expenditure 4870 9179 9196 10400 9890 9681 11822 14478 11489 12204
Provisions and contingencies 9 134 149 148 414 455 662 442 774 890
Operating Profit 3686 4747 5224 5989 5586 5888 5614 6775 6008 6647
Profit Before Tax 3686 4747 5224 5989 5586 5888 5614 6775 9811 6647
Provision for Tax 974 1168 1265 1459 1477 1465 1411 1533 2412 1649
Profit After Tax 2712 3579 3959 4530 4109 4423 4202 5242 7399 4998
Adjustments 43 29 36 37 41 38 62 95 49 46
Profit After Adjustments 2755 3608 3995 4566 4150 4461 4265 5337 7448 5044
Adjusted Earnings Per Share 13.9 18.2 20.1 23 20.9 22.4 21.5 26.8 37.5 25.4

Kotak Mahindra 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 11986 13319 20402 22324 25131 29831 33474 32820 33741 42151 56237 61915
Other Income 5282 8152 7631 11660 13682 16148 16892 23588 24941 25991 38037 42031
Total Income 17268 21471 28032 33984 38813 45979 50366 56408 58682 68142 94274 103946
Interest Expense 6312 6966 11123 11458 12467 15187 15901 12967 11554 14411 22567 26141
Operating Expenditure 6952 9749 10894 14245 16163 19171 20485 27420 30409 33645 45871 49993
Provisions and contingencies 309 206 992 949 1025 1045 2558 2852 771 440 1972 2768
Operating Profit 3696 4550 5024 7332 9158 10576 11422 13168 15948 19646 23863 25044
Profit Before Tax 3696 4550 5024 7332 9158 10576 11422 13168 15948 19646 23863 28847
Provision for Tax 1184 1485 1593 2383 3011 3456 2815 3265 4016 4866 5887 7005
Profit After Tax 2512 3065 3431 4949 6147 7120 8607 9903 11932 14780 17977 21841
Adjustments -47 -20 28 -9 54 84 -14 87 158 145 236 252
Profit After Adjustments 2465 3045 3459 4940 6201 7204 8593 9990 12089 14925 18213 22094
Adjusted Earnings Per Share 16 19.7 18.9 26.8 32.5 37.7 44.7 50.2 60.7 74.9 91.4 111.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 33% 20% 14% 17%
Operating Profit CAGR 21% 22% 18% 21%
PAT CAGR 22% 22% 20% 22%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -7% -0% 1% 11%
ROE Average 15% 14% 14% 14%
ROCE Average 15% 14% 13% 13%

Kotak Mahindra 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 19085 22156 33364 38493 50488 58282 67137 84839 97165 112314 129972
Minority's Interest 271 336 396 474 0 0 0 0 0 0 0
Deposits 56930 72843 135949 155540 191236 224824 260400 278871 310087 361273 445269
Borrowings 29007 31415 43730 49690 58604 66439 65577 47739 55160 57034 75106
Other Liabilities & Provisions 16944 21825 27365 31991 37392 45626 50059 67405 84086 89809 117321
Total Liabilities 122237 148576 240804 276188 337720 395171 443173 478854 546498 620430 767667
Cash and balance with RBI 2961 3945 6925 7512 8934 10911 9513 12528 36049 19985 36287
Bank Balance 3683 2958 4675 18076 15467 20354 54567 35189 16616 22940 28920
Investments 38791 45589 70274 68462 90977 103487 111197 156946 164529 195338 246446
Advances 71693 88632 144793 167125 205997 243462 249879 252170 304474 359107 430352
Fixed Assets 1264 1385 1761 1755 1750 1884 1861 1740 1910 2261 2563
Other Assets 3846 6066 12376 13257 14596 15074 16156 20282 22920 20798 23101
Total Assets 122237 148576 240804 276188 337720 395171 443173 478854 546498 620430 767667

Kotak Mahindra 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 4518 6643 6903 11599 25589 24401 31264 64080 47717 52665 42925
Cash Flow from Operating Activities 9068 2302 5025 13223 -10392 1822 46619 4881 8308 -1242 15685
Cash Flow from Investing Activities -1130 -4467 -8662 -5268 -5608 -3383 -13199 -11116 -10969 -10550 -9097
Cash Flow from Financing Activities -5814 2426 2024 6055 14679 8365 -735 -10072 7543 1883 15515
Net Cash Inflow / Outflow 2125 260 -1613 14010 -1321 6804 32685 -16307 4883 -9910 22103
Closing Cash & Cash Equivalent 6643 6903 11599 25589 24401 31264 64080 47717 52665 42925 65206

Kotak Mahindra 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) 16 19.72 18.86 26.84 32.54 37.74 44.71 50.2 60.71 74.93 91.43
CEPS(Rs) 17.65 21.38 20.58 28.85 34.27 39.7 47.42 52.29 62.54 77.42 94.41
DPS(Rs) 0.4 0.9 0.5 0.6 0.7 0.8 0 0.9 1.1 1.5 2
Book NAV/Share(Rs) 123.82 143.32 181.86 209.09 264.93 302.71 348.32 425.55 486.9 562.55 653.41
Yield on Advances 16.72 15.03 14.09 13.36 12.2 12.25 13.4 13.01 11.08 11.74 13.07
Yield on Investments 8.06 10.38 7.29 8.94 7.01 7.07 7.98 7.04 7.03 5.53 6.52
Cost of Liabilities 7.35 6.68 6.19 5.58 4.99 5.21 4.88 3.97 3.16 3.45 4.34
NIM (Net Interest Margin) 4.84 4.5 4.09 4.16 3.94 3.87 4.13 4.35 4.25 4.64 4.54
Interest Spread 9.37 8.35 7.9 7.78 7.21 7.04 8.52 9.04 7.92 8.29 8.73
ROA(%) 2.11 2.26 1.76 1.91 2 1.94 2.05 2.15 2.33 2.53 2.59
ROE(%) 14.63 14.87 12.36 13.78 13.82 13.15 13.84 13.12 13.19 14.19 14.88
ROCE(%) 12.79 14 13.01 12.98 12.95 12.66 11.88 12.1 12.79 13.86 15.06
PER(x) 24.31 33.3 36.12 32.5 32.22 35.39 29 34.94 28.9 23.14 19.53
Price/Book(x) 3.14 4.58 3.74 4.17 3.96 4.41 3.72 4.12 3.6 3.08 2.73
Dividend Yield(%) 0.1 0.07 0.07 0.07 0.07 0.06 0 0.05 0.06 0.09 0.11
EV/Net Sales(x) 7.42 9.97 8.27 9.42 10.28 10.79 9.38 12.06 11.97 9.53 7.65
EV/Core EBITDA(x) 22.21 27.93 28.04 25.39 25.38 27.7 22.47 24.71 24.16 20.01 16.65
Interest Earned Growth(%) 10.59 11.12 53.18 9.42 12.57 18.7 12.21 -1.95 2.81 24.93 33.42
Net Profit Growth 13.94 22.04 11.94 44.24 24.21 15.82 20.89 15.06 20.49 23.87 21.63
Advances Growth 8.2 23.63 63.36 15.42 23.26 18.19 2.64 0.92 20.74 17.94 19.84
EPS Growth(%) 9.17 23.22 -4.36 42.33 21.25 15.99 18.46 12.29 20.93 23.42 22.02
Loans/Deposits(x) 50.95 43.13 32.17 31.95 30.64 29.55 25.18 17.12 17.79 15.79 16.87
Cash/Deposits(x) 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.12 0.06 0.08
Current Ratio(x) 0.68 0.63 0.52 0.44 0.48 0.46 0.43 0.56 0.53 0.54 0.55
Quick Ratio(x) 50.95 43.13 32.17 31.95 30.64 29.55 25.18 17.12 17.79 15.79 16.87
CASA % 32.52 37.13 38.66 44.34 50.85 52.47 56.36 60.47 60.63 52.78 45.48

Kotak Mahindra Bank Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 25.97 25.96 25.95 25.95 25.94 25.93 25.91 25.9 25.89 25.89
FII 40.55 39.26 39.24 37.77 39.88 39.31 38.08 35.93 31.5 31.74
DII 17.29 21.63 21.75 22.98 21.24 21.67 23.03 25.06 29.35 29.54
Public 16.2 13.15 13.05 13.3 12.94 13.1 12.97 13.11 13.26 12.84
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 25.89%.
  • Company has a low return on equity of 14% over the last 3 years.
  • Earnings include an other income of Rs. 38037 Cr.

* 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.

Kotak Mahindra Bank News

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