Stock P/E, Current Price, and Intrinsic Value Over Time
Competitors of IndusInd Bank Ltd
Stock Name
Market Cap
Current Price
High / Low
Stock P/E
Book Value
Dividend Yield
ROCE
ROE
Face Value
Industry Average
0 Cr
0
0
0
0%
0%
0%
0
Quarterly Result
Month
Sep 2020
Dec 2020
Mar 2021
Jun 2021
Sep 2021
Dec 2021
Mar 2022
Jun 2022
Sep 2022
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Revenue
7,177
7,242
7,419
7,575
7,650
7,737
7,860
8,182
8,708
9,457
10,021
10,730
11,248
Interest
3,899
3,835
3,885
4,011
3,992
3,944
3,875
4,057
4,406
4,962
5,351
5,863
6,171
Expenses
3,966
3,992
4,119
3,994
4,028
4,119
4,020
3,911
3,934
3,956
4,097
4,238
4,451
Financing Profit
-688
-586
-584
-430
-370
-326
-35
214
368
539
572
629
625
Financing Margin %
-10%
-8%
-8%
-6%
-5%
-4%
-0%
3%
4%
6%
6%
6%
6%
Other Income
1,554
1,705
1,780
1,716
1,841
1,877
1,900
1,929
2,011
2,076
2,151
2,210
2,282
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
Profit before tax
866
1,120
1,196
1,287
1,471
1,551
1,865
2,143
2,379
2,616
2,723
2,838
2,907
Tax %
25%
24%
27%
24%
24%
25%
27%
25%
25%
25%
25%
25%
25%
Net Profit
647
853
876
975
1,114
1,161
1,361
1,603
1,787
1,959
2,041
2,124
2,181
EPS in Rs
8.55
11.26
11.33
12.60
14.38
14.99
17.57
20.68
23.05
25.27
26.30
27.37
28.07
Gross NPA %
2.21%
1.74%
2.67%
2.88%
2.77%
2.48%
2.27%
2.35%
2.11%
2.06%
1.98%
1.94%
1.93%
Net NPA %
0.52%
0.22%
0.69%
0.84%
0.80%
0.71%
0.64%
0.67%
0.61%
0.62%
0.59%
0.58%
0.57%
Last Updated: August 9, 2024, 6:50 pm
Quarterly Chart
Profit & Loss - Annual Report
Last Updated: August 9, 2024, 6:50 pm
Month
Mar 2012
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
TTM
Revenue
5,359
6,983
8,254
9,692
11,872
14,406
17,281
22,261
28,783
29,000
30,822
36,368
43,570
Interest
3,655
4,750
5,363
6,272
7,355
8,343
9,783
13,415
16,724
15,472
15,822
18,776
23,661
Expenses
1,449
1,947
2,555
3,133
4,188
5,684
6,555
9,283
12,611
15,997
15,840
15,525
17,411
Financing Profit
255
286
335
288
329
379
942
-437
-553
-2,469
-839
2,067
2,498
Financing Margin %
5%
4%
4%
3%
3%
3%
5%
-2%
-2%
-9%
-3%
6%
6%
Other Income
1,012
1,363
1,891
2,548
3,297
4,171
4,750
5,647
6,951
6,559
7,334
8,166
9,038
Depreciation
75
73
98
127
157
191
212
229
278
305
321
373
0
Profit before tax
1,192
1,576
2,128
2,709
3,469
4,360
5,481
4,981
6,121
3,784
6,174
9,860
11,536
Tax %
33%
33%
34%
34%
34%
34%
34%
34%
28%
25%
25%
25%
Net Profit
803
1,061
1,408
1,794
2,286
2,868
3,606
3,301
4,418
2,836
4,611
7,390
8,643
EPS in Rs
17.17
20.30
26.80
33.88
38.43
47.95
60.08
54.77
63.70
36.68
59.52
95.24
111.29
Dividend Payout %
13%
15%
13%
12%
12%
13%
12%
14%
0%
14%
14%
15%
Profit & Loss Yearly Chart
YoY Net Profit Growth
Year
2012-2013
2013-2014
2014-2015
2015-2016
2016-2017
2017-2018
2018-2019
2019-2020
2020-2021
2021-2022
2022-2023
YoY Net Profit Growth (%)
32.13%
32.70%
27.41%
27.42%
25.46%
25.73%
-8.46%
33.84%
-35.81%
62.59%
60.27%
Change in YoY Net Profit Growth (%)
0.00%
0.58%
-5.29%
0.01%
-1.97%
0.27%
-34.19%
42.30%
-69.65%
98.40%
-2.32%
Growth
Compounded Sales Growth
10 Years:
19%
5 Years:
16%
3 Years:
16%
TTM:
22%
Compounded Profit Growth
10 Years:
20%
5 Years:
22%
3 Years:
47%
TTM:
14%
Stock Price CAGR
10 Years:
8%
5 Years:
1%
3 Years:
12%
1 Year:
-3%
Return on Equity
10 Years:
13%
5 Years:
13%
3 Years:
13%
Last Year:
15%
Last Updated: September 6, 2024, 6:12 pm
Balance Sheet
Last Updated: August 9, 2024, 6:50 pm
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Equity Capital
523
526
529
595
598
600
603
694
773
775
776
Reserves
7,107
8,517
10,115
17,101
20,048
23,241
26,083
34,013
42,592
46,923
53,846
Borrowings
63,576
75,264
94,752
117,996
149,026
189,928
242,189
262,793
307,528
341,005
385,449
Other Liabilities
2,100
2,719
6,390
7,205
8,976
7,856
8,944
9,558
12,080
13,273
17,733
Total Liabilities
73,307
87,026
111,787
142,897
178,648
221,626
277,819
307,058
362,973
401,975
457,804
Fixed Assets
741
991
1,120
1,218
1,307
1,313
1,688
1,742
1,734
1,754
1,857
CWIP
16
25
38
37
28
25
22
78
75
95
135
Investments
19,654
21,563
22,878
34,054
36,702
50,077
59,266
59,980
69,695
70,971
83,116
Other Assets
52,896
64,447
87,751
107,587
140,611
170,211
216,843
245,257
291,469
329,155
372,695
Total Assets
73,307
87,026
111,787
142,897
178,648
221,626
277,819
307,058
362,973
401,975
457,804
Reserves and Borrowings Chart
Cash Flow
Month
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Cash from Operating ActivityÂ
-486
-4,106
-1,421
-2,927
11,569
-20,700
-6,389
-12,039
44,646
16,600
-12,438
-16,843
Cash from Investing ActivityÂ
-174
-174
-276
-258
-285
-217
-633
526
-226
-351
-441
-625
Cash from Financing ActivityÂ
1,969
4,200
5,707
2,517
-2,768
15,505
8,590
12,733
-4,096
-4,302
1,115
-2,242
Net Cash Flow
1,309
-79
4,010
-667
8,516
-5,412
1,568
1,220
40,324
11,947
-11,763
-19,710
Free Cash Flow
Month
Mar 2012
Mar 2013
Mar 2014
Mar 2015
Mar 2016
Mar 2017
Mar 2018
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Free Cash Flow
1.00
-62.00
-73.00
-91.00
-113.00
-144.00
-183.00
-233.00
-250.00
-292.00
-326.00
-370.00
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.
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
Undervalued: 7.45% compared to the current price ₹1,409.00
Intrinsic Value: 1,692.75
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
Undervalued: 20.14% compared to the current price ₹1,409.00
Last 5 Year EPS CAGR: 11.81%
*Investments are subject to market risks
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 IndusInd Bank Ltd:
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 (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: 0%)
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: 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: 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: 12.2 (Industry average Stock P/E: 0)
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
IndusInd Bank Ltd. is a Public Limited Listed company incorporated on 31/01/1994 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is L65191PN1994PLC076333 and registration number is 076333. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company’s Total Operating Revenue is Rs. 30822.44 Cr. and Equity Capital is Rs. 774.66 Cr. for the Year ended 31/03/2022.
INDUSTRY
ADDRESS
CONTACT
Finance - Banks - Private Sector
2401, General Thimmayya Road, Cantonment, Pune Maharashtra 411001
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IndusInd Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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