Share Price and Basic Stock Data
Last Updated: December 8, 2025, 6:42 pm
| PEG Ratio | 0.45 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Indian Bank has shown a promising trajectory in its revenue generation, with reported total revenue of ₹44,985 Cr for FY 2023, marking a significant increase from ₹38,888 Cr in FY 2022. The upward trend continued into FY 2024, with revenue expected to rise to ₹55,650 Cr. This growth is underpinned by a consistent increase in quarterly revenues, which reached ₹14,203 Cr by December 2023. The bank’s ability to enhance its revenues is particularly evident in the first half of FY 2024, where quarterly revenues increased from ₹13,050 Cr in June 2023 to ₹14,203 Cr by December 2023. This indicates a robust demand for its financial products and services, reflecting positively on its market positioning amidst a competitive banking sector.
Profitability and Efficiency Metrics
The profitability metrics for Indian Bank appear strong, with a net profit of ₹10,970 Cr reported for FY 2023, representing a remarkable leap from ₹5,574 Cr in the previous year. This translates to an impressive Earnings Per Share (EPS) of ₹83.61 for FY 2025, a significant increase from ₹44.74 in FY 2023. The return on equity (ROE) has also improved, standing at 17.1% for FY 2025, up from 12% in FY 2023. The bank’s operational efficiency is further highlighted by a cost-to-income ratio of 45.77%, which is relatively comfortable compared to industry standards. However, the bank’s financing profit, which was negative in previous years, has turned positive, reaching ₹5,395 Cr for FY 2025. This turnaround indicates effective management of interest expenses and improved margins.
Balance Sheet Strength and Financial Ratios
Indian Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹877,039 Cr for FY 2025, a substantial increase from ₹713,334 Cr in FY 2023. The bank’s reserves have also shown a healthy rise, reaching ₹75,540 Cr, which strengthens its capital base and provides a cushion for future growth. The bank’s net non-performing asset (NPA) ratio has significantly improved, declining to 0.18% by June 2025, showcasing effective risk management and asset quality enhancement. The price-to-book (P/B) ratio stands at 1.02, indicating that the stock is trading at a relatively fair valuation compared to its book value. However, the net interest margin (NIM) of 2.87% suggests that while the bank is performing well, it may need to enhance its lending rates to maintain profitability in a rising interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding structure of Indian Bank presents a picture of stability and investor confidence. Promoters hold a substantial 73.84% stake, which reflects a strong commitment to the bank’s growth. Foreign Institutional Investors (FIIs) have increased their stake to 4.68%, indicating growing international interest, while Domestic Institutional Investors (DIIs) hold 18.62%, further solidifying institutional backing. The public shareholding is relatively low at 2.86%, which might limit liquidity but also suggests a concentrated ownership that could lead to less volatility. The number of shareholders has fluctuated slightly but remains robust at over 316,000, indicating sustained retail interest in the bank’s performance.
Outlook, Risks, and Final Insight
Looking ahead, Indian Bank appears well-positioned to capitalize on its growth momentum, driven by improved profitability and a strong balance sheet. However, potential risks include the impact of rising interest rates on net interest margins and the ongoing challenge of managing asset quality in an evolving economic landscape. Additionally, the bank’s ability to sustain its growth will depend on maintaining its competitive edge in a crowded market. Investors should remain vigilant about macroeconomic factors and regulatory changes that could influence banking operations. Overall, Indian Bank’s performance suggests a blend of opportunities and challenges, making it essential for investors to weigh these factors carefully when considering their positions in the stock.
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 | 1,13,215 Cr. | 148 | 160/101 | 6.12 | 165 | 3.20 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,863 Cr. | 28.6 | 50.4/26.8 | 14.2 | 25.9 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,82,907 Cr. | 956 | 999/680 | 11.2 | 617 | 1.66 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,33,329 Cr. | 116 | 128/85.5 | 7.83 | 124 | 2.50 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,462 Cr. | 27.4 | 56.3/25.2 | 16.8 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 144,508.31 Cr | 218.86 | 9.83 | 177.23 | 1.98% | 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: 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 - 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 Fund | 36,854,482 | 3.54 | 3164.69 | N/A | N/A | N/A |
| Kotak Midcap Fund | 16,988,497 | 2.42 | 1458.8 | N/A | N/A | N/A |
| HDFC Small Cap Fund | 9,688,128 | 2.17 | 831.92 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 8,131,451 | 1.69 | 698.25 | N/A | N/A | N/A |
| Axis Midcap Fund | 6,585,321 | 1.76 | 565.48 | N/A | N/A | N/A |
| Kotak Large & Midcap Fund | 6,000,000 | 1.75 | 515.22 | N/A | N/A | N/A |
| Sundaram Mid Cap Fund | 3,438,637 | 2.23 | 295.28 | N/A | N/A | N/A |
| Edelweiss Mid Cap Fund | 3,355,391 | 2.28 | 288.13 | 3,298,021 | 2025-12-08 05:48:55 | 1.74% |
| HSBC Value Fund | 3,099,121 | 1.86 | 266.12 | 6,147,000 | 2025-12-08 05:48:55 | -49.58% |
| UTI Mid Cap Fund | 3,000,000 | 2.13 | 257.61 | 3,396,868 | 2025-12-08 01:18:34 | -11.68% |
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: 8.9 (Industry average Stock P/E: 9.83)
- 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 - Indian Bank
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | No. 66, Rajaji Salai, Chennai (Madras) Tamil Nadu 600001 | ibinvestorrelations@indianbank.co.in http://www.indianbank.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. S L Jain | Managing Director & CEO |
| Mr. Imran Amin Siddiqui | Executive Director |
| Mr. Ashwani Kumar | Executive Director |
| Mr. Mahesh Kumar Bajaj | Executive Director |
| Mr. Ashutosh Choudhury | Executive Director |
| Dr. Bharath Krishna Sankar | Shareholder Director |
| Ms. Papia Sengupta | Shareholder Director |
| Mr. Balmukund Sahay | Part Time Non Official Director |
| Mr. Vishvesh Kumar Goel | Part Time Non Official Director |
| Dr. Maruthi Prasad Tangirala | Government Nominee Director |
| Dr. Aditya Gaiha | Nominee Director |
Indian Bank Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹546.50 |
| Previous Day | ₹539.95 |
FAQ
What is the intrinsic value of Indian Bank?
Indian Bank's intrinsic value (as of 08 December 2025) is 709.73 which is 8.89% lower the current market price of 779.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,04,910 Cr. market cap, FY2025-2026 high/low of 899/474, 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 1,04,910 Cr..
What is the current Stock Price of Indian Bank as on 08 December 2025?
The current stock price of Indian Bank as on 08 December 2025 is 779.
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 899/474.
What is the Stock P/E of Indian Bank?
The Stock P/E of Indian Bank is 8.90.
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 2.09 %.
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.