Kotak Mahindra Bank

₹1764.2 -13.9 | 0.8%

WEBSITE BSE:500247 NSE : KOTAK MAH.BK 06 Sep, 16:03

Market Cap ₹350734 Cr.

Stock P/E 16.3

P/B 3.4

Current Price ₹1764.2

Book Value ₹ 517.5

Face Value 5

52W High ₹1926

Dividend Yield 0.11%

52W Low ₹ 1544.2

Edit Ratio

Kotak Mahindra Bank Research see more...

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.

Kotak Mahindra Bank Share Price

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Peer Comparison

Kotak Mahindra Bank Quarterly Results

#(Fig in Cr.)
Interest Earned
Other Income
Total Income
Interest Expense
Operating Expenditure
Provisions and contingencies
Operating Profit
Profit Before Tax
Provision for Tax
Profit After Tax
Adjustments
Profit After Adjustments
Adjusted Earnings Per Share

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
Interest Earned	8767	9720	16384	17699	19748	23890	26930	26840	27039	34251	45799
Other Income	1400	2028	2612	3477	4052	4657	5372	5007	5986	7083	10273
Total Income	10167	11748	18996	21176	23801	28547	32302	31847	33025	41334	56072
Interest Expense	5047	5496	9484	9573	10217	12684	13430	11501	10221	12699	19806
Operating Expenditure	2543	3255	5472	5618	6426	7515	8851	8584	10753	13787	16679
Provisions and contingencies	305	164	917	837	940	962	2216	2459	690	457	1574
Operating Profit	2272	2833	3124	5148	6218	7386	7805	9303	11361	14391	18014
Profit Before Tax	2272	2833	3124	5148	6218	7386	7805	9303	11361	14391	18014
Provision for Tax	770	967	1034	1737	2134	2520	1857	2338	2789	3452	4232
Profit After Tax	1503	1866	2090	3411	4084	4865	5947	6965	8573	10939	13782
Adjustments	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1503	1866	2090	3411	4084	4865	5947	6965	8573	10939	13782
Adjusted Earnings Per Share	9.8	12.1	11.4	18.5	21.4	25.5	30.9	34.9	43	54.9	69.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	34%	19%	14%	18%
Operating Profit CAGR	25%	25%	20%	23%
PAT CAGR	26%	26%	23%	25%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-0%	-0%	4%	13%
ROE Average	15%	14%	14%	13%
ROCE Average	17%	15%	14%	14%

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	12284	14144	23962	27618	37484	42900	49018	63729	72488	83520	96719
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	59072	74860	138643	157426	192643	225880	262821	280100	311684	363096	448954
Borrowings	12896	12150	20975	21095	25154	32248	37993	23651	25967	23416	28368
Other Liabilities & Provisions	3334	4858	8679	8451	9652	11143	10420	15990	19289	19830	26316
Total Liabilities	87585	106012	192260	214590	264933	312172	360252	383470	429428	489862	600357
Cash and balance with RBI	2948	3928	6903	7492	8909	10878	9505	12494	36026	19966	36252
Bank Balance	3032	2334	3976	15080	10712	13798	43787	27133	6898	12577	16536
Investments	25485	28659	51260	45074	64562	71189	75052	105099	100580	121404	155404
Advances	53028	66161	118665	136082	169718	205695	219748	223670	271254	319861	376075
Fixed Assets	1107	1207	1552	1538	1527	1652	1623	1535	1644	1920	2155
Other Assets	1986	3723	9903	9324	9506	8961	10537	13539	13027	14135	13934
Total Assets	87585	106012	192260	214590	264933	312172	360252	383470	429428	489862	600357

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	3689	5980	6262	10880	22572	19620	24676	53292	39627	42924	32542
Cash Flow from Operating Activities	9002	4463	6134	14412	-10275	-3388	30159	-5298	2161	-8369	13901
Cash Flow from Investing Activities	-549	-3454	-6363	-2972	-2515	798	-7454	-1769	-1335	491	2022
Cash Flow from Financing Activities	-6162	-727	-1464	257	9837	7633	5883	-6586	2456	-2542	4314
Net Cash Inflow / Outflow	2291	282	-1693	11697	-2953	5043	28588	-13653	3282	-10420	20237
Closing Cash & Cash Equivalent	5980	6262	10880	22572	19620	24676	53292	39627	42924	32542	52788

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)	9.75	12.08	11.39	18.53	21.43	25.49	30.88	34.94	42.99	54.86	69.13
CEPS(Rs)	10.82	13.33	12.96	20.11	23.02	27.41	33.03	36.99	45.11	57.39	72.42
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)	79.68	91.55	130.61	150.01	196.69	222.13	253.6	319.03	362.56	417.61	486.13
Yield on Advances	16.53	14.69	13.81	13.01	11.64	11.61	12.25	12	9.97	10.71	12.18
Yield on Investments	8.76	8.54	7.16	9.15	6.42	6.94	7.65	6.76	6.65	4.7	5.37
Cost of Liabilities	7.01	6.32	5.94	5.36	4.69	4.91	4.46	3.79	3.03	3.29	4.15
NIM (Net Interest Margin)	4.4	4.18	3.82	3.99	3.75	3.72	3.88	4.16	4.05	4.55	4.45
Interest Spread	9.52	8.37	7.87	7.64	6.95	6.7	7.79	8.21	6.94	7.42	8.03
ROA(%)	1.75	1.93	1.4	1.68	1.7	1.69	1.77	1.87	2.11	2.38	2.53
ROE(%)	13.83	14.13	10.97	13.23	12.55	12.18	13.08	12.47	12.68	14.12	15.35
ROCE(%)	12.73	14.57	13.32	13.85	13.47	13.15	11.31	12.26	13.2	14.89	16.8
PER(x)	39.89	54.35	59.78	47.06	48.93	52.4	41.99	50.2	40.82	31.6	25.83
Price/Book(x)	4.88	7.17	5.21	5.81	5.33	6.01	5.11	5.5	4.84	4.15	3.67
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)	8.31	11.68	8.9	10.26	11.39	12.04	10.64	13.85	13.86	10.75	8.37
EV/Core EBITDA(x)	28.26	37.89	36.1	30.35	31.43	34.46	28.59	31.61	31.09	24.8	19.57
Interest Earned Growth(%)	9.01	10.87	68.56	8.02	11.58	20.97	12.72	-0.33	0.74	26.67	33.72
Net Profit Growth	10.42	24.19	11.99	63.25	19.72	19.12	22.24	17.11	23.09	27.61	25.98
Advances Growth	9.41	24.77	79.36	14.68	24.72	21.2	6.83	1.78	21.27	17.92	17.57
EPS Growth(%)	7.02	23.86	-5.69	62.67	15.65	18.93	21.13	13.16	23.05	27.62	26.01
Loans/Deposits(x)	21.83	16.23	15.13	13.4	13.06	14.28	14.46	8.44	8.33	6.45	6.32
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)	0.43	0.38	0.37	0.29	0.34	0.32	0.29	0.38	0.32	0.33	0.35
Quick Ratio(x)	21.83	16.23	15.13	13.4	13.06	14.28	14.46	8.44	8.33	6.45	6.32
CASA %	31.87	36.36	38.07	44	50.75	52.5	56.17	60.45	60.68	52.83	45.51

Kotak Mahindra Bank Shareholding Pattern

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	25.98	25.97	25.96	25.95	25.95	25.94	25.93	25.91	25.9	25.89
FII	40.86	40.55	39.26	39.24	37.77	39.88	39.31	38.08	35.93	31.5
DII	16.6	17.29	21.63	21.75	22.98	21.24	21.67	23.03	25.06	29.35
Public	16.56	16.2	13.15	13.05	13.3	12.94	13.1	12.97	13.11	13.26
Others	0	0	0	0	0	0	0	0	0	0
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	51.56	51.55	51.55	51.55	51.55	51.54	51.53	51.51	51.49	51.47
FII	81.1	80.51	77.97	77.94	75.03	79.26	78.13	75.69	71.43	62.62
DII	32.94	34.32	42.95	43.19	45.65	42.2	43.07	45.79	49.82	58.34
Public	32.87	32.16	26.11	25.93	26.43	25.72	26.03	25.78	26.05	26.36
Others	0	0	0	0	0	0	0	0	0	0
Total	198.47	198.54	198.57	198.61	198.66	198.72	198.75	198.77	198.79	198.8

Pros

Company has delivered good profit growth of 23% CAGR over last 5 years

Cons

Promoter holding is low: 25.89%.
Company has a low return on equity of 14% over the last 3 years.
Stock is trading at 3.4 times its book value.

* 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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Kotak Mahindra Bank

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Kotak Mahindra Bank Research see more...

Overview Inc. Year: 1985Industry: Bank - Private

Kotak Mahindra Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Kotak Mahindra Bank Quarterly Results

Kotak Mahindra Bank Profit & Loss

Growth Rates

Kotak Mahindra Bank Balance Sheet

Kotak Mahindra Bank Cash Flow

Kotak Mahindra Bank Ratios

Kotak Mahindra Bank Shareholding Pattern

Kotak Mahindra Bank News

Top Unlisted Companies & InstaBuy Companies

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