Share Price and Basic Stock Data
Last Updated: October 28, 2025, 2:10 pm
| PEG Ratio | 0.50 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Indian Bank operates in the public sector finance industry with a current market capitalization of ₹1,09,549 Cr and a share price of ₹813. The bank has shown a steady increase in revenue, which reported ₹44,985 Cr for the fiscal year ending March 2023. This figure represented a significant rise from ₹38,888 Cr in the previous fiscal year. The revenue trajectory continued its upward trend, with quarterly revenues reaching ₹13,764 Cr in September 2023 and projected to climb further to ₹15,041 Cr by June 2024. The bank’s diversified income streams, including a notable surge in other income to ₹2,166 Cr in September 2023, support its revenue growth, reflecting a robust operational strategy. The bank’s ability to enhance its revenue base amidst a competitive environment underscores its effective market positioning and management.
Profitability and Efficiency Metrics
Indian Bank demonstrated strong profitability metrics, with a reported net profit of ₹11,264 Cr for the fiscal year ending March 2025, an increase from ₹5,574 Cr in March 2023. The net profit margin stood at an impressive 17.72% for the same period, indicating efficient cost management and operational effectiveness. The return on equity (ROE) rose to 17.1%, showcasing the bank’s ability to generate substantial returns for shareholders. Furthermore, the operating profit margin also improved to 31.21%, reflecting a solid control over operational costs. However, the bank’s financing profit margin, while positive, indicates room for improvement, especially given the historical challenges it faced in this area. The bank’s improved profitability metrics position it favorably compared to sector averages, enhancing its competitive edge in the banking landscape.
Balance Sheet Strength and Financial Ratios
The balance sheet of Indian Bank exhibited considerable strength with total assets reported at ₹877,039 Cr as of March 2025, up from ₹713,334 Cr in March 2023. The bank maintains a healthy reserve base of ₹70,166 Cr, which supports its lending capacity and risk management strategies. The equity capital stood at ₹1,347 Cr, while borrowings increased to ₹41,552 Cr, reflecting the bank’s strategy to leverage capital for growth. The price-to-book value ratio was reported at 1.02, indicating the stock is trading at a slight premium to its book value, which is generally seen as a positive indicator of investor confidence. Additionally, the bank’s cost-to-income ratio of 45.77% suggests efficient cost management relative to its income generation, positioning it well against peers in the sector.
Shareholding Pattern and Investor Confidence
As of March 2025, Indian Bank’s shareholding pattern indicates a strong promoter holding of 73.84%, which reflects significant confidence from the bank’s management. Foreign Institutional Investors (FIIs) accounted for 4.74% of the shareholding, while Domestic Institutional Investors (DIIs) held 17.78%, indicating a solid institutional interest in the bank. The public shareholding has seen a decline to 3.65%, which may suggest a consolidation of ownership among institutional and promoter stakeholders. The number of shareholders stood at 316,207, indicating a broad base of retail and institutional investors. This distribution reflects a healthy investor confidence, particularly in light of the bank’s improved financial performance and strategic initiatives aimed at growth and stability.
Outlook, Risks, and Final Insight
Looking ahead, Indian Bank is positioned to capitalize on its recent growth momentum, driven by increasing revenues and improving profitability metrics. However, risks such as potential fluctuations in asset quality, given the historical gross NPA ratio of 3.01% as of June 2025, remain a concern. The bank’s ability to manage non-performing assets effectively will be crucial in maintaining its profitability and investor confidence. Additionally, external economic factors and regulatory changes could impact operational performance. Nonetheless, the bank’s strong balance sheet, effective management strategies, and favorable market position provide a solid foundation for future growth, enabling it to navigate potential challenges effectively. Continued focus on operational efficiency and asset quality management will be vital for sustaining its competitive advantage in the banking sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Indian Bank
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,12,469 Cr. | 147 | 159/101 | 5.98 | 149 | 3.23 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 41,143 Cr. | 32.8 | 52.0/26.8 | 16.3 | 25.9 | 1.19 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,58,213 Cr. | 930 | 936/680 | 10.8 | 583 | 1.71 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,016 Cr. | 121 | 122/85.5 | 8.16 | 124 | 2.39 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,379 Cr. | 31.6 | 56.3/25.2 | 19.3 | 19.2 | 0.22 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 144,977.00 Cr | 223.19 | 10.50 | 171.77 | 1.94% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 10,166 | 10,728 | 11,836 | 12,255 | 13,050 | 13,764 | 14,203 | 14,633 | 15,041 | 15,369 | 15,770 | 15,860 | 16,285 |
| Interest | 5,620 | 6,026 | 6,335 | 6,736 | 7,346 | 8,003 | 8,383 | 8,609 | 8,861 | 9,154 | 9,345 | 9,467 | 9,924 |
| Expenses | 4,922 | 5,098 | 5,860 | 6,202 | 5,161 | 5,150 | 5,158 | 5,378 | 4,994 | 5,144 | 5,102 | 5,097 | 4,880 |
| Financing Profit | -376 | -396 | -359 | -683 | 543 | 611 | 661 | 646 | 1,186 | 1,072 | 1,323 | 1,295 | 1,481 |
| Financing Margin % | -4% | -4% | -3% | -6% | 4% | 4% | 5% | 4% | 8% | 7% | 8% | 8% | 9% |
| Other Income | 1,732 | 1,987 | 1,926 | 2,161 | 1,871 | 2,166 | 2,113 | 2,432 | 2,077 | 2,602 | 2,397 | 2,935 | 1,854 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,356 | 1,590 | 1,567 | 1,477 | 2,415 | 2,777 | 2,774 | 3,078 | 3,263 | 3,674 | 3,721 | 4,230 | 3,335 |
| Tax % | 10% | 22% | 10% | 1% | 29% | 28% | 23% | 27% | 26% | 25% | 23% | 30% | 33% |
| Net Profit | 1,311 | 1,288 | 1,455 | 1,520 | 1,850 | 2,069 | 2,207 | 2,296 | 2,571 | 2,801 | 2,910 | 2,982 | 2,277 |
| EPS in Rs | 10.53 | 10.34 | 11.68 | 12.20 | 14.85 | 16.61 | 16.37 | 17.04 | 19.08 | 20.79 | 21.60 | 22.14 | 16.90 |
| Gross NPA % | 8.13% | 7.30% | 6.53% | 5.95% | 5.47% | 4.97% | 4.47% | 3.95% | 3.77% | 3.48% | 3.26% | 3.09% | 3.01% |
| Net NPA % | 2.12% | 1.50% | 1.00% | 0.90% | 0.70% | 0.60% | 0.53% | 0.43% | 0.39% | 0.27% | 0.21% | 0.19% | 0.18% |
Last Updated: August 1, 2025, 7:35 pm
Below is a detailed analysis of the quarterly data for Indian Bank based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 9,924.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,467.00 Cr. (Mar 2025) to 9,924.00 Cr., marking an increase of 457.00 Cr..
- For Expenses, as of Jun 2025, the value is 4,880.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 5,097.00 Cr. (Mar 2025) to 4,880.00 Cr., marking a decrease of 217.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,854.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,935.00 Cr. (Mar 2025) to 1,854.00 Cr., marking a decrease of 1,081.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 3,335.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,230.00 Cr. (Mar 2025) to 3,335.00 Cr., marking a decrease of 895.00 Cr..
- For Tax %, as of Jun 2025, the value is 33.00%. The value appears to be increasing, which may not be favorable. It has increased from 30.00% (Mar 2025) to 33.00%, marking an increase of 3.00%.
- For Net Profit, as of Jun 2025, the value is 2,277.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,982.00 Cr. (Mar 2025) to 2,277.00 Cr., marking a decrease of 705.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 16.90. The value appears to be declining and may need further review. It has decreased from 22.14 (Mar 2025) to 16.90, marking a decrease of 5.24.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:09 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 | 63,284 |
| 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 | 37,890 |
| 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 | 20,223 |
| Financing Profit | 204 | 245 | -679 | -996 | -734 | -1,273 | -1,634 | -2,360 | -3,526 | -1,309 | 2,967 | 5,395 | 5,171 |
| Financing Margin % | 1% | 2% | -4% | -6% | -4% | -7% | -8% | -6% | -9% | -3% | 5% | 9% | 8% |
| 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 | 9,788 |
| 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 | 14,959 |
| 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 | 10,970 |
| 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 | 81.43 |
| 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: June 16, 2025, 11:58 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 465 | 480 | 480 | 480 | 480 | 480 | 609 | 1,129 | 1,245 | 1,245 | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 3 | 5 | 8 | 11 | 1 | 1 | 1 | 0 | 5 | 9 | 2 | 3 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Indian Bank based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 1,347.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 1,347.00 Cr..
- For Reserves, as of Mar 2025, the value is 70,166.00 Cr.. The value appears strong and on an upward trend. It has increased from 58,901.00 Cr. (Mar 2024) to 70,166.00 Cr., marking an increase of 11,265.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 26,875.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 24,365.00 Cr. (Mar 2024) to 26,875.00 Cr., marking an increase of 2,510.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 877,039.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 795,709.00 Cr. (Mar 2024) to 877,039.00 Cr., marking an increase of 81,330.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 8,854.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,538.00 Cr. (Mar 2024) to 8,854.00 Cr., marking an increase of 1,316.00 Cr..
- For CWIP, as of Mar 2025, the value is 3.00 Cr.. The value appears strong and on an upward trend. It has increased from 2.00 Cr. (Mar 2024) to 3.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 228,421.00 Cr.. The value appears strong and on an upward trend. It has increased from 215,242.00 Cr. (Mar 2024) to 228,421.00 Cr., marking an increase of 13,179.00 Cr..
- For Other Assets, as of Mar 2025, the value is 639,760.00 Cr.. The value appears strong and on an upward trend. It has increased from 572,927.00 Cr. (Mar 2024) to 639,760.00 Cr., marking an increase of 66,833.00 Cr..
- For Total Assets, as of Mar 2025, the value is 877,039.00 Cr.. The value appears strong and on an upward trend. It has increased from 795,709.00 Cr. (Mar 2024) to 877,039.00 Cr., marking an increase of 81,330.00 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 - No data available for this post.
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 Opportunities Fund - Regular Plan | 34,029,890 | 2.88 | 1697.58 | 34,029,890 | 2025-04-22 13:31:13 | 0% |
| HDFC Small Cap Fund - Regular Plan | 9,723,910 | 1.7 | 485.08 | 9,723,910 | 2025-04-22 17:25:31 | 0% |
| Mirae Asset Large & Midcap Fund | 8,534,917 | 1.28 | 425.76 | 8,534,917 | 2025-04-22 17:25:31 | 0% |
| Mirae Asset Midcap Fund | 6,969,612 | 2.42 | 347.68 | 6,969,612 | 2025-04-22 17:25:31 | 0% |
| HSBC Value Fund | 6,147,000 | 2.73 | 306.64 | 6,147,000 | 2025-04-22 17:25:31 | 0% |
| HSBC Small Cap Fund - Regular Plan | 4,335,273 | 1.55 | 216.27 | 4,335,273 | 2025-04-22 17:25:31 | 0% |
| HSBC Midcap Fund | 4,310,000 | 2.27 | 215 | 4,310,000 | 2025-04-22 17:25:31 | 0% |
| ICICI Prudential Focused Equity Fund | 3,674,030 | 2.69 | 183.28 | 3,674,030 | 2025-04-22 17:25:31 | 0% |
| UTI Mid Cap Fund | 3,396,868 | 1.68 | 169.45 | 3,396,868 | 2025-04-22 17:25:31 | 0% |
| Edelweiss Mid Cap Fund | 3,298,021 | 3.35 | 164.52 | 3,298,021 | 2025-04-22 17:25:31 | 0% |
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
Unable to fetch valid data for stock valuation.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: 9.75 (Industry average Stock P/E: 10.5)
- 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 | investors@indianbank.co.in http://www.indianbank.in |
| 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 28 October 2025) is 776.15 which is 8.47% lower the current market price of 848.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,14,263 Cr. market cap, FY2025-2026 high/low of 853/474, reserves of ₹70,166 Cr, and liabilities of 877,039 Cr.
What is the Market Cap of Indian Bank?
The Market Cap of Indian Bank is 1,14,263 Cr..
What is the current Stock Price of Indian Bank as on 28 October 2025?
The current stock price of Indian Bank as on 28 October 2025 is 848.
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 853/474.
What is the Stock P/E of Indian Bank?
The Stock P/E of Indian Bank is 9.75.
What is the Book Value of Indian Bank?
The Book Value of Indian Bank is 571.
What is the Dividend Yield of Indian Bank?
The Dividend Yield of Indian Bank is 1.91 %.
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.