Share Price and Basic Stock Data
Last Updated: February 7, 2026, 7:24 pm
| PEG Ratio | 0.48 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Bank operates in the finance sector as a public sector bank, with a current stock price of ₹835 and a market capitalization of ₹1,12,225 Cr. The bank reported a consistent upward trend in revenue, rising from ₹10,728 Cr in September 2022 to ₹13,764 Cr by September 2023. This represents a year-on-year growth of approximately 28.4%. The revenue continues to show strong momentum, with the latest quarter (December 2023) indicating a revenue of ₹14,203 Cr. Over the trailing twelve months (TTM), the revenue stood at ₹64,543 Cr, highlighting a robust trajectory compared to the previous fiscal years. The bank’s interest income also saw significant growth, increasing from ₹6,026 Cr in September 2022 to ₹8,003 Cr in September 2023, reflecting an improvement in lending activities. The bank’s overall operational performance is indicative of its expanding market presence and effective management strategies in a competitive environment.
Profitability and Efficiency Metrics
Indian Bank’s profitability metrics demonstrate a notable recovery, with a net profit of ₹11,278 Cr reported for the fiscal year ending March 2025. The bank’s net profit margin has improved to 17.72% from 11.84% in March 2023, indicating enhanced operational efficiency. The return on equity (ROE) stood at 17.1%, significantly higher than the typical sector average, showcasing effective utilization of shareholder equity. The financing profit margin also turned positive, reaching 9% by March 2025, a significant recovery from previous losses in earlier years. Additionally, the bank has recorded a gross non-performing asset (NPA) ratio that declined to 2.60% in September 2025, demonstrating improved asset quality and risk management. These metrics reflect Indian Bank’s strong operational performance and commitment to enhancing profitability while managing risk effectively.
Balance Sheet Strength and Financial Ratios
Indian Bank’s balance sheet exhibits considerable strength, with total assets amounting to ₹924,486 Cr as of September 2025. The bank’s reserves have grown to ₹75,540 Cr, supporting its capital adequacy and financial stability. The bank reported a debt-to-equity ratio that remains within manageable levels, as borrowings increased to ₹42,282 Cr, reflecting its capacity to leverage for growth. Key financial ratios demonstrate solid performance; the return on capital employed (ROCE) stood at 6.38%, while the price-to-earnings (P/E) ratio was recorded at 9.33, indicating attractive valuation compared to sector peers. The cost-to-income ratio improved to 45.77%, suggesting efficient cost management. Indian Bank’s financial health is further evidenced by a book value per share of ₹530.92, reflecting robust shareholder equity and capital base, positioning the bank favorably for future growth.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Indian Bank indicates a stable and confident investor base, with promoters holding 73.84% of the shares as of December 2023. This level of promoter shareholding reflects strong alignment with shareholder interests and confidence in the bank’s growth trajectory. Foreign institutional investors (FIIs) accounted for 4.68% of the shareholding, while domestic institutional investors (DIIs) held 18.62%, demonstrating a balanced approach to ownership. The number of shareholders stood at 316,207, indicating a broad base of retail participation. This diverse ownership structure is likely to contribute to stability in the bank’s stock performance. However, the declining public shareholding to 2.86% raises questions about retail investor engagement, which could impact liquidity in the stock market. Overall, the shareholding dynamics suggest a robust foundation for future growth, albeit with some areas for improvement in public participation.
Outlook, Risks, and Final Insight
Looking ahead, Indian Bank is well-positioned to capitalize on its growth momentum, supported by improving profitability and operational efficiency. However, risks such as fluctuating interest rates and potential economic downturns could pose challenges to its growth trajectory. The continued focus on asset quality is crucial, given the declining gross NPA ratio, which reflects effective risk management practices. Additionally, maintaining strong capital reserves will be essential to navigate potential market volatility. The bank’s ability to enhance its retail investor base will be pivotal in sustaining stock liquidity and overall market confidence. In summary, Indian Bank’s fundamentals are strong, and with strategic focus on risk management and shareholder engagement, the bank is poised for continued success in the banking sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,35,977 Cr. | 178 | 183/107 | 7.18 | 172 | 2.67 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,788 Cr. | 28.5 | 42.2/26.8 | 13.7 | 26.5 | 1.37 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,84,353 Cr. | 1,066 | 1,090/680 | 12.1 | 641 | 1.49 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,41,191 Cr. | 123 | 135/85.5 | 7.94 | 130 | 2.36 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,229 Cr. | 27.1 | 50.5/25.2 | 15.8 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 158,260.62 Cr | 241.38 | 9.95 | 183.82 | 1.84% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11,836 | 12,255 | 13,050 | 13,764 | 14,203 | 14,633 | 15,041 | 15,369 | 15,770 | 15,860 | 16,285 | 16,628 | 17,102 |
| Interest | 6,335 | 6,736 | 7,346 | 8,003 | 8,383 | 8,609 | 8,861 | 9,154 | 9,345 | 9,467 | 9,924 | 10,040 | 10,203 |
| Expenses | 5,860 | 6,202 | 5,161 | 5,150 | 5,158 | 5,378 | 4,994 | 5,144 | 5,102 | 5,097 | 4,880 | 5,108 | 5,492 |
| Financing Profit | -359 | -683 | 543 | 611 | 661 | 646 | 1,186 | 1,072 | 1,323 | 1,295 | 1,481 | 1,480 | 1,407 |
| Financing Margin % | -3% | -6% | 4% | 4% | 5% | 4% | 8% | 7% | 8% | 8% | 9% | 9% | 8% |
| Other Income | 1,926 | 2,161 | 1,871 | 2,166 | 2,113 | 2,432 | 2,077 | 2,602 | 2,397 | 2,935 | 1,854 | 2,643 | 2,793 |
| Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Profit before tax | 1,567 | 1,477 | 2,415 | 2,777 | 2,774 | 3,078 | 3,263 | 3,674 | 3,721 | 4,230 | 3,335 | 4,123 | 4,199 |
| Tax % | 10% | 1% | 29% | 28% | 23% | 27% | 26% | 25% | 23% | 30% | 33% | 26% | 27% |
| Net Profit | 1,455 | 1,520 | 1,850 | 2,069 | 2,207 | 2,296 | 2,571 | 2,801 | 2,910 | 2,982 | 2,277 | 3,109 | 3,148 |
| EPS in Rs | 11.68 | 12.20 | 14.85 | 16.61 | 16.37 | 17.04 | 19.08 | 20.79 | 21.60 | 22.14 | 16.90 | 23.07 | 23.36 |
| Gross NPA % | 6.53% | 5.95% | 5.47% | 4.97% | 4.47% | 3.95% | 3.77% | 3.48% | 3.26% | 3.09% | 3.01% | 2.60% | 2.23% |
| Net NPA % | 1.00% | 0.90% | 0.70% | 0.60% | 0.53% | 0.43% | 0.39% | 0.27% | 0.21% | 0.19% | 0.18% | 0.16% | 0.15% |
Last Updated: February 5, 2026, 1:46 pm
Below is a detailed analysis of the quarterly data for Indian Bank based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 10,203.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,040.00 Cr. (Sep 2025) to 10,203.00 Cr., marking an increase of 163.00 Cr..
- For Expenses, as of Dec 2025, the value is 5,492.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,108.00 Cr. (Sep 2025) to 5,492.00 Cr., marking an increase of 384.00 Cr..
- For Other Income, as of Dec 2025, the value is 2,793.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,643.00 Cr. (Sep 2025) to 2,793.00 Cr., marking an increase of 150.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 4,199.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,123.00 Cr. (Sep 2025) to 4,199.00 Cr., marking an increase of 76.00 Cr..
- For Tax %, as of Dec 2025, the value is 27.00%. The value appears to be increasing, which may not be favorable. It has increased from 26.00% (Sep 2025) to 27.00%, marking an increase of 1.00%.
- For Net Profit, as of Dec 2025, the value is 3,148.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,109.00 Cr. (Sep 2025) to 3,148.00 Cr., marking an increase of 39.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 23.36. The value appears strong and on an upward trend. It has increased from 23.07 (Sep 2025) to 23.36, marking an increase of 0.29.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:12 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15,249 | 15,853 | 16,244 | 16,039 | 17,115 | 19,182 | 21,401 | 39,108 | 38,888 | 44,985 | 55,650 | 62,039 | 64,543 |
| Interest | 10,887 | 11,390 | 11,795 | 10,891 | 10,851 | 12,167 | 13,798 | 23,439 | 22,129 | 24,717 | 32,341 | 36,826 | 38,776 |
| Expenses | 4,158 | 4,219 | 5,128 | 6,144 | 6,998 | 8,289 | 9,238 | 18,029 | 20,285 | 21,577 | 20,342 | 19,818 | 20,188 |
| Financing Profit | 204 | 245 | -679 | -996 | -734 | -1,273 | -1,634 | -2,360 | -3,526 | -1,309 | 2,967 | 5,395 | 5,579 |
| Financing Margin % | 1% | 2% | -4% | -6% | -4% | -7% | -8% | -6% | -9% | -3% | 5% | 9% | 9% |
| Other Income | 1,378 | 1,372 | 1,789 | 2,222 | 2,417 | 1,891 | 3,326 | 6,111 | 7,380 | 7,804 | 8,582 | 10,011 | 9,829 |
| Depreciation | 105 | 139 | 151 | 166 | 237 | 259 | 314 | 637 | 601 | 532 | 531 | 543 | 0 |
| Profit before tax | 1,476 | 1,478 | 958 | 1,060 | 1,445 | 359 | 1,377 | 3,115 | 3,253 | 5,963 | 11,017 | 14,864 | 15,408 |
| Tax % | 21% | 31% | 25% | -33% | 13% | 11% | 45% | 3% | -23% | 11% | 26% | 26% | |
| Net Profit | 1,189 | 1,051 | 752 | 1,455 | 1,311 | 381 | 862 | 3,151 | 4,144 | 5,574 | 8,423 | 11,264 | 11,278 |
| EPS in Rs | 25.58 | 21.84 | 15.64 | 30.25 | 27.29 | 7.91 | 14.15 | 27.88 | 33.26 | 44.74 | 62.51 | 83.61 | 83.71 |
| Dividend Payout % | 18% | 19% | 10% | 20% | 0% | 0% | 0% | 7% | 20% | 19% | 19% | 19% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -11.61% | -28.45% | 93.48% | -9.90% | -70.94% | 126.25% | 265.55% | 31.51% | 34.51% | 51.11% | 33.73% |
| Change in YoY Net Profit Growth (%) | 0.00% | -16.84% | 121.93% | -103.38% | -61.04% | 197.18% | 139.30% | -234.03% | 2.99% | 16.60% | -17.38% |
Indian Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 24% |
| 3 Years: | 17% |
| TTM: | 10% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 27% |
| 5 Years: | 67% |
| 3 Years: | 40% |
| TTM: | 26% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 60% |
| 3 Years: | 51% |
| 1 Year: | 21% |
| Return on Equity | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 13% |
| 3 Years: | 15% |
| Last Year: | 17% |
Last Updated: September 5, 2025, 7:05 am
Balance Sheet
Last Updated: December 4, 2025, 1:25 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 465 | 480 | 480 | 480 | 480 | 480 | 609 | 1,129 | 1,245 | 1,245 | 1,347 | 1,347 | 1,347 |
| Reserves | 13,559 | 14,549 | 16,010 | 16,954 | 18,235 | 19,235 | 22,159 | 38,329 | 43,706 | 48,261 | 58,901 | 70,166 | 75,540 |
| Deposits | 162,255 | 169,204 | 178,259 | 182,480 | 208,262 | 242,041 | 260,184 | 538,030 | 593,571 | 621,123 | 687,953 | 737,098 | 776,877 |
| Borrowing | 4,964 | 2,646 | 3,509 | 12,637 | 19,760 | 12,138 | 20,830 | 24,763 | 17,218 | 22,092 | 23,143 | 41,552 | 42,282 |
| Other Liabilities | 6,145 | 6,156 | 5,683 | 5,957 | 6,244 | 6,494 | 6,359 | 23,285 | 18,356 | 20,612 | 24,365 | 26,875 | 28,440 |
| Total Liabilities | 187,388 | 193,036 | 203,941 | 218,507 | 252,981 | 280,388 | 310,141 | 625,535 | 674,096 | 713,334 | 795,709 | 877,039 | 924,486 |
| Fixed Assets | 2,935 | 2,969 | 3,508 | 3,436 | 3,421 | 3,964 | 3,898 | 7,392 | 7,694 | 7,472 | 7,538 | 8,854 | 8,750 |
| CWIP | 3 | 5 | 8 | 11 | 1 | 1 | 1 | 0 | 5 | 9 | 2 | 3 | 0 |
| Investments | 46,935 | 46,060 | 53,283 | 67,781 | 71,619 | 65,272 | 81,871 | 178,292 | 176,502 | 188,366 | 215,242 | 228,421 | 238,535 |
| Other Assets | 137,515 | 144,001 | 147,143 | 147,280 | 177,940 | 211,152 | 224,371 | 439,850 | 489,896 | 517,487 | 572,927 | 639,760 | 677,201 |
| Total Assets | 187,388 | 193,036 | 203,941 | 218,507 | 252,981 | 280,388 | 310,141 | 625,535 | 674,096 | 713,334 | 795,709 | 877,039 | 924,486 |
Below is a detailed analysis of the balance sheet data for Indian Bank based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,347.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1,347.00 Cr..
- For Reserves, as of Sep 2025, the value is 75,540.00 Cr.. The value appears strong and on an upward trend. It has increased from 70,166.00 Cr. (Mar 2025) to 75,540.00 Cr., marking an increase of 5,374.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 28,440.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26,875.00 Cr. (Mar 2025) to 28,440.00 Cr., marking an increase of 1,565.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 924,486.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 877,039.00 Cr. (Mar 2025) to 924,486.00 Cr., marking an increase of 47,447.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 8,750.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8,854.00 Cr. (Mar 2025) to 8,750.00 Cr., marking a decrease of 104.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 3.00 Cr..
- For Investments, as of Sep 2025, the value is 238,535.00 Cr.. The value appears strong and on an upward trend. It has increased from 228,421.00 Cr. (Mar 2025) to 238,535.00 Cr., marking an increase of 10,114.00 Cr..
- For Other Assets, as of Sep 2025, the value is 677,201.00 Cr.. The value appears strong and on an upward trend. It has increased from 639,760.00 Cr. (Mar 2025) to 677,201.00 Cr., marking an increase of 37,441.00 Cr..
- For Total Assets, as of Sep 2025, the value is 924,486.00 Cr.. The value appears strong and on an upward trend. It has increased from 877,039.00 Cr. (Mar 2025) to 924,486.00 Cr., marking an increase of 47,447.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -158.00 | -165.00 | -173.00 | -176.00 | -202.00 | -234.00 | -251.00 | -520.00 | -573.00 | -600.00 | -667.00 | -718.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 7% | 5% | 9% | 7% | 2% | 4% | 10% | 10% | 12% | 15% | 17% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Mid Cap Fund | 36,854,482 | 3.33 | 3085.64 | N/A | N/A | N/A |
| Kotak Midcap Fund | 17,438,497 | 2.41 | 1460.04 | 16,988,497 | 2026-01-26 00:42:09 | 2.65% |
| HDFC Small Cap Fund | 9,688,128 | 2.15 | 811.14 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 8,000,000 | 1.59 | 669.8 | 8,131,451 | 2025-12-15 00:49:43 | -1.62% |
| Kotak Large & Midcap Fund | 6,000,000 | 1.67 | 502.35 | N/A | N/A | N/A |
| Axis Midcap Fund | 4,861,920 | 1.28 | 407.06 | 5,783,396 | 2026-01-26 02:00:48 | -15.93% |
| Edelweiss Mid Cap Fund | 3,355,391 | 2.21 | 292 | 3,298,021 | 2025-12-08 05:48:55 | 1.74% |
| HSBC Value Fund | 3,099,121 | 1.76 | 259.47 | 6,147,000 | 2025-12-08 05:48:55 | -49.58% |
| Sundaram Mid Cap Fund | 3,010,123 | 1.9 | 252.02 | 3,089,723 | 2026-01-26 02:00:48 | -2.58% |
| SBI PSU Fund | 2,427,235 | 3.49 | 203.22 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 83.61 | 66.03 | 44.74 | 33.99 | 27.88 |
| Diluted EPS (Rs.) | 83.61 | 66.03 | 44.74 | 33.99 | 27.88 |
| Cash EPS (Rs.) | 85.66 | 64.30 | 47.07 | 36.70 | 32.31 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 530.92 | 402.93 | 348.47 | 311.06 | 298.42 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 530.92 | 447.29 | 397.50 | 360.93 | 349.38 |
| Operating Revenue / Share (Rs.) | 460.59 | 413.15 | 361.20 | 312.03 | 346.28 |
| Net Profit / Share (Rs.) | 81.63 | 60.35 | 42.80 | 31.88 | 26.70 |
| Net Profit After MI / Share (Rs.) | 83.61 | 62.51 | 44.74 | 33.07 | 27.88 |
| Net Profit Margin (%) | 17.72 | 14.60 | 11.84 | 10.21 | 7.71 |
| Net Profit After MI And SOA Nargin (%) | 18.15 | 15.12 | 12.38 | 10.59 | 8.05 |
| Operating Profit Margin (%) | 31.21 | 25.49 | 18.98 | 16.54 | 13.57 |
| Return On Assets (%) | 1.28 | 1.05 | 0.78 | 0.61 | 0.50 |
| Return On Equity / Networth (%) | 15.74 | 15.51 | 12.83 | 10.63 | 9.34 |
| Net Interest Margin (X) | 2.87 | 2.92 | 2.84 | 2.48 | 2.49 |
| Cost To Income (%) | 45.77 | 46.88 | 45.32 | 47.03 | 48.57 |
| Interest Income / Total Assets (%) | 7.07 | 6.99 | 6.30 | 5.76 | 6.22 |
| Non-Interest Income / Total Assets (%) | 1.14 | 1.07 | 1.09 | 1.09 | 1.04 |
| Operating Profit / Total Assets (%) | 0.11 | -0.05 | -0.34 | -0.50 | -0.56 |
| Operating Expenses / Total Assets (%) | 1.83 | 1.87 | 1.78 | 1.68 | 1.71 |
| Interest Expenses / Total Assets (%) | 4.19 | 4.06 | 3.46 | 3.28 | 3.73 |
| Enterprise Value (Rs.Cr.) | 819741.88 | 748522.66 | 646404.05 | 605824.14 | 549816.59 |
| EV Per Net Sales (X) | 13.21 | 13.45 | 14.37 | 15.59 | 14.06 |
| Price To Book Value (X) | 1.02 | 1.29 | 0.82 | 0.49 | 0.38 |
| Price To Sales (X) | 1.18 | 1.26 | 0.79 | 0.49 | 0.33 |
| Retention Ratios (%) | 80.56 | 80.80 | 80.77 | 80.34 | 92.82 |
| Earnings Yield (X) | 0.15 | 0.12 | 0.15 | 0.21 | 0.23 |
After reviewing the key financial ratios for Indian Bank, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 83.61. This value is within the healthy range. It has increased from 66.03 (Mar 24) to 83.61, marking an increase of 17.58.
- For Diluted EPS (Rs.), as of Mar 25, the value is 83.61. This value is within the healthy range. It has increased from 66.03 (Mar 24) to 83.61, marking an increase of 17.58.
- For Cash EPS (Rs.), as of Mar 25, the value is 85.66. This value is within the healthy range. It has increased from 64.30 (Mar 24) to 85.66, marking an increase of 21.36.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 530.92. It has increased from 402.93 (Mar 24) to 530.92, marking an increase of 127.99.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 530.92. It has increased from 447.29 (Mar 24) to 530.92, marking an increase of 83.63.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 81.63. This value is within the healthy range. It has increased from 60.35 (Mar 24) to 81.63, marking an increase of 21.28.
- For Net Profit Margin (%), as of Mar 25, the value is 17.72. This value exceeds the healthy maximum of 10. It has increased from 14.60 (Mar 24) to 17.72, marking an increase of 3.12.
- For Return On Assets (%), as of Mar 25, the value is 1.28. This value is below the healthy minimum of 5. It has increased from 1.05 (Mar 24) to 1.28, marking an increase of 0.23.
- For Retention Ratios (%), as of Mar 25, the value is 80.56. This value exceeds the healthy maximum of 70. It has decreased from 80.80 (Mar 24) to 80.56, marking a decrease of 0.24.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Indian Bank:
- Net Profit Margin: 17.72%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 9.76 (Industry average Stock P/E: 9.95)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 17.72%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | No. 66, Rajaji Salai, Chennai (Madras) Tamil Nadu 600001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Binod Kumar | Managing Director & CEO |
| Mr. Brajesh Kumar Singh | Executive Director |
| Mr. Shiv Bajrang Singh | Executive Director |
| Mr. Mahesh Kumar Bajaj | Executive Director |
| Mr. Ashutosh Choudhury | Executive Director |
| Mr. Balmukund Sahay | Part Time Non Official Director |
| Mr. Vishvesh Kumar Goel | Part Time Non Official Director |
| Mr. Pradeep Kumar Malhotra | Shareholder Director |
| Mr. Sanjeev Maheshwari | Shareholder Director |
| Dr. Alok Pande | Government Nominee Director |
| Mrs. K Nikhila | Nominee Director |
FAQ
What is the intrinsic value of Indian Bank?
Indian Bank's intrinsic value (as of 07 February 2026) is ₹970.08 which is 11.38% higher the current market price of ₹871.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,17,348 Cr. market cap, FY2025-2026 high/low of ₹923/478, reserves of ₹75,540 Cr, and liabilities of ₹924,486 Cr.
What is the Market Cap of Indian Bank?
The Market Cap of Indian Bank is 1,17,348 Cr..
What is the current Stock Price of Indian Bank as on 07 February 2026?
The current stock price of Indian Bank as on 07 February 2026 is ₹871.
What is the High / Low of Indian Bank stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Indian Bank stocks is ₹923/478.
What is the Stock P/E of Indian Bank?
The Stock P/E of Indian Bank is 9.76.
What is the Book Value of Indian Bank?
The Book Value of Indian Bank is 593.
What is the Dividend Yield of Indian Bank?
The Dividend Yield of Indian Bank is 1.87 %.
What is the ROCE of Indian Bank?
The ROCE of Indian Bank is 6.38 %.
What is the ROE of Indian Bank?
The ROE of Indian Bank is 17.1 %.
What is the Face Value of Indian Bank?
The Face Value of Indian Bank is 10.0.