Share Price and Basic Stock Data
Last Updated: January 17, 2026, 7:09 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
IndusInd Bank Ltd operates within the private sector banking industry, focusing on a diverse range of financial services. As of the latest reporting, the bank’s share price stood at ₹944, with a market capitalization of ₹73,604 Cr. The bank reported a steady revenue growth trajectory, with quarterly revenues increasing from ₹8,708 Cr in September 2022 to ₹11,248 Cr by September 2023. This upward trend reflects a compound quarterly growth rate of approximately 14.3%. The bank’s revenue for the trailing twelve months (TTM) reached ₹47,307 Cr, showcasing a robust annual growth from ₹36,368 Cr recorded in March 2023. Furthermore, the quarterly interest income, a critical revenue component, rose from ₹4,406 Cr in September 2022 to ₹6,171 Cr in September 2023, indicating an increase in lending activities. This consistent revenue expansion positions IndusInd Bank favorably within the competitive landscape of Indian private banks, particularly as it navigates the evolving economic environment.
Profitability and Efficiency Metrics
IndusInd Bank’s profitability has displayed significant fluctuations over recent periods. The net profit for the quarter ending September 2023 was reported at ₹2,181 Cr, a slight increase from ₹2,124 Cr in the previous quarter. However, the bank faced a net profit decline to ₹2,643 Cr for the fiscal year ending March 2025, down from ₹7,390 Cr in March 2023. This drop is alarming, particularly as the return on equity (ROE) fell to 4.15% in March 2025, down from 14% in March 2023, indicating a reduction in the bank’s ability to generate profit from shareholders’ equity. The cost-to-income ratio also experienced a significant increase, standing at 60.10% in March 2025, compared to a more favorable 44.03% in March 2023. These figures suggest that while revenue has been growing, the bank’s efficiency in converting revenue into profit has deteriorated, which could impact future profitability if not addressed.
Balance Sheet Strength and Financial Ratios
IndusInd Bank’s balance sheet reflects a mixed picture of financial health. The bank reported total assets of ₹554,018 Cr as of March 2025, up from ₹514,935 Cr in March 2024, highlighting solid asset growth. However, the bank’s net profit margin stood at a concerning 5.29% in March 2025, significantly lower than the 19.62% recorded just a year prior. The gross non-performing assets (NPA) ratio increased to 3.13% in March 2025, up from 1.98% in March 2023, signaling rising credit risk. This trend is concerning, especially since the net NPA percentage also climbed to 0.95% from 0.59% over the same period. These figures indicate potential challenges in asset quality management, which could affect the bank’s capital adequacy ratios and profitability moving forward. Moreover, the price-to-book value ratio stood at 0.78 in March 2025, suggesting that the market values the bank at a discount compared to its book value, which may deter investor interest.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IndusInd Bank reveals a diverse investor base, with 15.82% held by promoters, 34.32% by foreign institutional investors (FIIs), and 31.57% by domestic institutional investors (DIIs). Notably, the proportion of shares held by FIIs has declined from 44.79% in December 2022 to the current level, indicating a potential shift in investor sentiment. The number of shareholders has increased significantly, rising to 701,711 as of September 2025, up from 364,290 in June 2023, which reflects growing retail investor interest. However, the declining promoter stake over the same period, from 16.51% in December 2022 to 15.82%, may raise concerns regarding long-term confidence in the bank’s governance and future prospects. This mixed shareholding pattern can have implications on stock volatility and investor sentiment, particularly in light of the recent profitability challenges faced by the bank.
Outlook, Risks, and Final Insight
Looking ahead, IndusInd Bank faces both opportunities and challenges that will shape its future performance. A potential strength lies in the bank’s ability to capitalize on India’s growing financial services sector, which has seen an increasing demand for banking products. However, risks remain, particularly related to asset quality, as indicated by the rising NPAs and declining profitability metrics. If the bank can effectively manage credit risk and improve operational efficiencies, it may restore investor confidence and profitability. Conversely, persistent issues with asset quality and rising costs could lead to further declines in net profits and shareholder returns. The bank’s ability to adapt to regulatory changes and market dynamics will be crucial in determining its long-term viability. In summary, while IndusInd Bank has a strong revenue foundation, it must address its profitability and efficiency challenges to ensure sustainable growth and maintain investor confidence.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,912 Cr. | 230 | 339/180 | 23.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,493 Cr. | 29.0 | 38.4/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,190 Cr. | 262 | 331/249 | 8.80 | 307 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 73,615 Cr. | 23.5 | 24.3/16.0 | 23.2 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,702 Cr. | 60.4 | 60.8/30.8 | 28.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,099.91 Cr | 352.27 | 18.56 | 213.57 | 0.59% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,708 | 9,457 | 10,021 | 10,730 | 11,248 | 11,572 | 12,199 | 12,547 | 12,686 | 12,801 | 10,634 | 12,264 | 11,609 |
| Interest | 4,406 | 4,962 | 5,351 | 5,863 | 6,171 | 6,277 | 6,822 | 7,139 | 7,339 | 7,573 | 7,586 | 7,624 | 7,199 |
| Expenses | 3,934 | 3,956 | 4,097 | 4,238 | 4,451 | 4,623 | 4,749 | 4,972 | 5,759 | 5,723 | 6,646 | 5,882 | 6,652 |
| Financing Profit | 368 | 539 | 572 | 629 | 625 | 672 | 628 | 436 | -412 | -495 | -3,598 | -1,242 | -2,242 |
| Financing Margin % | 4% | 6% | 6% | 6% | 6% | 6% | 5% | 3% | -3% | -4% | -34% | -10% | -19% |
| Other Income | 2,011 | 2,076 | 2,151 | 2,210 | 2,282 | 2,396 | 2,500 | 2,441 | 2,184 | 2,350 | 709 | 2,156 | 1,648 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,379 | 2,616 | 2,723 | 2,838 | 2,907 | 3,068 | 3,128 | 2,877 | 1,772 | 1,855 | -2,889 | 914 | -594 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | -23% | 25% | -25% |
| Net Profit | 1,787 | 1,959 | 2,041 | 2,124 | 2,181 | 2,298 | 2,347 | 2,152 | 1,325 | 1,401 | -2,236 | 684 | -445 |
| EPS in Rs | 23.05 | 25.27 | 26.30 | 27.37 | 28.07 | 29.55 | 30.15 | 27.64 | 17.01 | 17.99 | -28.70 | 8.78 | -5.71 |
| Gross NPA % | 2.11% | 2.06% | 1.98% | 1.94% | 1.93% | 1.92% | 1.92% | 2.02% | 2.11% | 2.25% | 3.13% | 3.64% | |
| Net NPA % | 0.61% | 0.62% | 0.59% | 0.58% | 0.57% | 0.57% | 0.57% | 0.60% | 0.64% | 0.68% | 0.95% | 1.12% |
Last Updated: January 1, 2026, 7:16 am
Below is a detailed analysis of the quarterly data for IndusInd Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 7,199.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 7,624.00 Cr. (Jun 2025) to 7,199.00 Cr., marking a decrease of 425.00 Cr..
- For Expenses, as of Sep 2025, the value is 6,652.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,882.00 Cr. (Jun 2025) to 6,652.00 Cr., marking an increase of 770.00 Cr..
- For Other Income, as of Sep 2025, the value is 1,648.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,156.00 Cr. (Jun 2025) to 1,648.00 Cr., marking a decrease of 508.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -594.00 Cr.. The value appears to be declining and may need further review. It has decreased from 914.00 Cr. (Jun 2025) to -594.00 Cr., marking a decrease of 1,508.00 Cr..
- For Tax %, as of Sep 2025, the value is -25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Jun 2025) to -25.00%, marking a decrease of 50.00%.
- For Net Profit, as of Sep 2025, the value is -445.00 Cr.. The value appears to be declining and may need further review. It has decreased from 684.00 Cr. (Jun 2025) to -445.00 Cr., marking a decrease of 1,129.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -5.71. The value appears to be declining and may need further review. It has decreased from 8.78 (Jun 2025) to -5.71, marking a decrease of 14.49.
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, 5:11 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 | 8,254 | 9,692 | 11,872 | 14,406 | 17,281 | 22,261 | 28,783 | 29,000 | 30,822 | 36,368 | 45,748 | 48,668 | 47,307 |
| Interest | 5,363 | 6,272 | 7,355 | 8,343 | 9,783 | 13,415 | 16,724 | 15,472 | 15,822 | 18,776 | 25,132 | 29,636 | 29,982 |
| Expenses | 2,555 | 3,133 | 4,188 | 5,684 | 6,555 | 9,283 | 12,611 | 15,997 | 15,840 | 15,525 | 17,638 | 22,616 | 24,903 |
| Financing Profit | 335 | 288 | 329 | 379 | 942 | -437 | -553 | -2,469 | -839 | 2,067 | 2,978 | -3,584 | -7,577 |
| Financing Margin % | 4% | 3% | 3% | 3% | 5% | -2% | -2% | -9% | -3% | 6% | 7% | -7% | -16% |
| Other Income | 1,891 | 2,548 | 3,297 | 4,171 | 4,750 | 5,647 | 6,951 | 6,559 | 7,334 | 8,166 | 9,388 | 7,684 | 6,863 |
| Depreciation | 98 | 127 | 157 | 191 | 212 | 229 | 278 | 305 | 321 | 373 | 425 | 485 | 0 |
| Profit before tax | 2,128 | 2,709 | 3,469 | 4,360 | 5,481 | 4,981 | 6,121 | 3,784 | 6,174 | 9,860 | 11,942 | 3,615 | -714 |
| Tax % | 34% | 34% | 34% | 34% | 34% | 34% | 28% | 25% | 25% | 25% | 25% | 27% | |
| Net Profit | 1,408 | 1,794 | 2,286 | 2,868 | 3,606 | 3,301 | 4,418 | 2,836 | 4,611 | 7,390 | 8,950 | 2,643 | -595 |
| EPS in Rs | 26.80 | 33.88 | 38.43 | 47.95 | 60.08 | 54.77 | 63.70 | 36.68 | 59.52 | 95.24 | 114.99 | 33.92 | -7.64 |
| Dividend Payout % | 13% | 12% | 12% | 13% | 12% | 14% | 0% | 14% | 14% | 15% | 14% | 0% |
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 (%) | 27.41% | 27.42% | 25.46% | 25.73% | -8.46% | 33.84% | -35.81% | 62.59% | 60.27% | 21.11% | -70.47% |
| Change in YoY Net Profit Growth (%) | 0.00% | 0.01% | -1.97% | 0.27% | -34.19% | 42.30% | -69.65% | 98.40% | -2.32% | -39.16% | -91.58% |
IndusInd Bank Ltd 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: | 18% |
| 5 Years: | 11% |
| 3 Years: | 16% |
| TTM: | 2% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | -10% |
| 3 Years: | -17% |
| TTM: | -87% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -1% |
| 5 Years: | 4% |
| 3 Years: | -12% |
| 1 Year: | -47% |
| Return on Equity | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 10% |
| 3 Years: | 11% |
| Last Year: | 4% |
Last Updated: September 5, 2025, 7:35 am
Balance Sheet
Last Updated: December 4, 2025, 1:26 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 | 526 | 529 | 595 | 598 | 600 | 603 | 694 | 773 | 775 | 776 | 778 | 779 | 779 |
| Reserves | 8,517 | 10,115 | 17,101 | 20,048 | 23,241 | 26,083 | 34,013 | 42,592 | 46,923 | 53,846 | 62,019 | 63,714 | 63,855 |
| Deposits | 61,571 | 75,478 | 93,000 | 127,572 | 151,639 | 194,868 | 202,040 | 256,205 | 293,681 | 336,438 | 384,793 | 411,078 | 389,787 |
| Borrowing | 13,693 | 19,274 | 24,996 | 21,454 | 38,289 | 47,321 | 60,754 | 51,323 | 47,323 | 49,011 | 47,611 | 53,704 | 45,350 |
| Other Liabilities | 2,719 | 6,390 | 7,205 | 8,976 | 7,856 | 8,944 | 9,558 | 12,080 | 13,273 | 17,733 | 19,734 | 24,744 | 27,591 |
| Total Liabilities | 87,026 | 111,787 | 142,897 | 178,648 | 221,626 | 277,819 | 307,058 | 362,973 | 401,975 | 457,804 | 514,935 | 554,018 | 527,363 |
| Fixed Assets | 991 | 1,120 | 1,218 | 1,307 | 1,313 | 1,688 | 1,742 | 1,734 | 1,754 | 1,857 | 2,001 | 2,168 | 2,445 |
| CWIP | 25 | 38 | 37 | 28 | 25 | 22 | 78 | 75 | 95 | 135 | 197 | 188 | 0 |
| Investments | 21,563 | 22,878 | 34,054 | 36,702 | 50,077 | 59,266 | 59,980 | 69,695 | 70,971 | 83,116 | 106,527 | 114,497 | 124,048 |
| Other Assets | 64,447 | 87,751 | 107,587 | 140,611 | 170,211 | 216,843 | 245,257 | 291,469 | 329,155 | 372,695 | 406,211 | 437,166 | 400,870 |
| Total Assets | 87,026 | 111,787 | 142,897 | 178,648 | 221,626 | 277,819 | 307,058 | 362,973 | 401,975 | 457,804 | 514,935 | 554,018 | 527,363 |
Below is a detailed analysis of the balance sheet data for IndusInd Bank Ltd 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 779.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 779.00 Cr..
- For Reserves, as of Sep 2025, the value is 63,855.00 Cr.. The value appears strong and on an upward trend. It has increased from 63,714.00 Cr. (Mar 2025) to 63,855.00 Cr., marking an increase of 141.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 27,591.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 24,744.00 Cr. (Mar 2025) to 27,591.00 Cr., marking an increase of 2,847.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 527,363.00 Cr.. The value appears to be improving (decreasing). It has decreased from 554,018.00 Cr. (Mar 2025) to 527,363.00 Cr., marking a decrease of 26,655.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 2,445.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,168.00 Cr. (Mar 2025) to 2,445.00 Cr., marking an increase of 277.00 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 188.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 188.00 Cr..
- For Investments, as of Sep 2025, the value is 124,048.00 Cr.. The value appears strong and on an upward trend. It has increased from 114,497.00 Cr. (Mar 2025) to 124,048.00 Cr., marking an increase of 9,551.00 Cr..
- For Other Assets, as of Sep 2025, the value is 400,870.00 Cr.. The value appears to be declining and may need further review. It has decreased from 437,166.00 Cr. (Mar 2025) to 400,870.00 Cr., marking a decrease of 36,296.00 Cr..
- For Total Assets, as of Sep 2025, the value is 527,363.00 Cr.. The value appears to be declining and may need further review. It has decreased from 554,018.00 Cr. (Mar 2025) to 527,363.00 Cr., marking a decrease of 26,655.00 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 | -59.00 | -72.00 | -89.00 | -122.00 | -145.00 | -185.00 | -190.00 | -241.00 | -278.00 | -321.00 | -367.00 | -389.00 |
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 % | 17% | 18% | 16% | 15% | 16% | 13% | 14% | 7% | 10% | 14% | 15% | 4% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Multi Asset Fund | 9,858,275 | 1.13 | 846.38 | 9,258,275 | 2025-12-15 01:28:01 | 6.48% |
| HDFC Mid Cap Fund | 9,226,037 | 0.86 | 792.1 | N/A | N/A | N/A |
| ICICI Prudential Large & Mid Cap Fund | 9,114,259 | 2.9 | 782.5 | 8,512,253 | 2025-12-15 01:28:01 | 7.07% |
| Mirae Asset Large & Midcap Fund | 8,542,953 | 1.68 | 733.46 | 8,342,953 | 2025-12-15 01:28:01 | 2.4% |
| HDFC Balanced Advantage Fund | 6,708,756 | 0.53 | 575.98 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 6,178,140 | 1.31 | 530.42 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 5,901,132 | 1.86 | 506.64 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 5,667,140 | 0.81 | 486.55 | 6,780,606 | 2025-12-15 01:28:01 | -16.42% |
| Kotak Multicap Fund | 5,382,727 | 2.07 | 462.13 | N/A | N/A | N/A |
| Mirae Asset Large Cap Fund | 4,999,176 | 1.03 | 429.2 | 5,448,090 | 2025-12-15 01:28:01 | -8.24% |
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.) | 33.07 | 115.54 | 96.01 | 62.07 | 40.03 |
| Diluted EPS (Rs.) | 33.05 | 115.33 | 95.89 | 61.97 | 39.96 |
| Cash EPS (Rs.) | 39.89 | 121.29 | 101.18 | 66.57 | 42.12 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 828.52 | 808.30 | 705.03 | 615.99 | 558.42 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 832.24 | 812.10 | 708.92 | 619.96 | 562.48 |
| Operating Revenue / Share (Rs.) | 624.70 | 587.78 | 468.72 | 397.88 | 374.98 |
| Net Profit / Share (Rs.) | 33.06 | 115.34 | 95.93 | 62.02 | 37.88 |
| Net Profit After MI / Share (Rs.) | 33.06 | 115.34 | 95.93 | 62.03 | 37.89 |
| Net Profit Margin (%) | 5.29 | 19.62 | 20.46 | 15.58 | 10.10 |
| Net Profit After MI And SOA Nargin (%) | 5.29 | 19.62 | 20.46 | 15.58 | 10.10 |
| Operating Profit Margin (%) | 9.63 | 29.91 | 28.88 | 21.44 | 14.62 |
| Return On Assets (%) | 0.46 | 1.74 | 1.62 | 1.19 | 0.80 |
| Return On Equity / Networth (%) | 3.99 | 14.26 | 13.60 | 10.06 | 6.78 |
| Net Interest Margin (X) | 3.43 | 4.00 | 3.84 | 3.73 | 3.72 |
| Cost To Income (%) | 60.10 | 47.14 | 44.03 | 41.54 | 40.72 |
| Interest Income / Total Assets (%) | 8.78 | 8.88 | 7.94 | 7.66 | 7.99 |
| Non-Interest Income / Total Assets (%) | 1.38 | 1.82 | 1.78 | 1.84 | 1.79 |
| Operating Profit / Total Assets (%) | -0.92 | -0.08 | -0.15 | -0.64 | -0.98 |
| Operating Expenses / Total Assets (%) | 2.89 | 2.74 | 2.47 | 2.31 | 2.24 |
| Interest Expenses / Total Assets (%) | 5.34 | 4.87 | 4.10 | 3.93 | 4.26 |
| Enterprise Value (Rs.Cr.) | 464163.30 | 534719.81 | 425033.84 | 397413.26 | 363015.24 |
| EV Per Net Sales (X) | 9.54 | 11.69 | 11.69 | 12.89 | 12.52 |
| Price To Book Value (X) | 0.78 | 1.92 | 1.51 | 1.52 | 1.71 |
| Price To Sales (X) | 1.04 | 2.65 | 2.28 | 2.35 | 2.54 |
| Retention Ratios (%) | 100.00 | 87.89 | 91.14 | 91.94 | 100.00 |
| Earnings Yield (X) | 0.05 | 0.07 | 0.08 | 0.06 | 0.03 |
After reviewing the key financial ratios for IndusInd Bank Ltd, 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 33.07. This value is within the healthy range. It has decreased from 115.54 (Mar 24) to 33.07, marking a decrease of 82.47.
- For Diluted EPS (Rs.), as of Mar 25, the value is 33.05. This value is within the healthy range. It has decreased from 115.33 (Mar 24) to 33.05, marking a decrease of 82.28.
- For Cash EPS (Rs.), as of Mar 25, the value is 39.89. This value is within the healthy range. It has decreased from 121.29 (Mar 24) to 39.89, marking a decrease of 81.40.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 828.52. It has increased from 808.30 (Mar 24) to 828.52, marking an increase of 20.22.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 832.24. It has increased from 812.10 (Mar 24) to 832.24, marking an increase of 20.14.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 33.06. This value is within the healthy range. It has decreased from 115.34 (Mar 24) to 33.06, marking a decrease of 82.28.
- For Net Profit Margin (%), as of Mar 25, the value is 5.29. This value is within the healthy range. It has decreased from 19.62 (Mar 24) to 5.29, marking a decrease of 14.33.
- For Return On Assets (%), as of Mar 25, the value is 0.46. This value is below the healthy minimum of 5. It has decreased from 1.74 (Mar 24) to 0.46, marking a decrease of 1.28.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. It has increased from 87.89 (Mar 24) to 100.00, marking an increase of 12.11.
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 IndusInd Bank Ltd:
- Net Profit Margin: 5.29%
- 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: 6.84%)
- 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: 11.8%)
- 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: 0 (Industry average Stock P/E: 18.56)
- 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: 5.29%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 2401, General Thimmayya Road, Cantonment, Pune Maharashtra 411001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sunil Mehta | Chairman |
| Mr. Sudip Basu | Director |
| Mr. Rakesh Bhatia | Director |
| Mrs. Bhavna Doshi | Director |
| Mr. Pradeep Udhas | Director |
| Mr. Rajiv Agarwal | Director |
| Mrs. Akila Krishnakumar | Director |
| Mr. Lingam V Prabhakar | Director |
FAQ
What is the intrinsic value of IndusInd Bank Ltd?
IndusInd Bank Ltd's intrinsic value (as of 17 January 2026) is ₹181.22 which is 81.00% lower the current market price of ₹954.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹74,312 Cr. market cap, FY2025-2026 high/low of ₹1,087/605, reserves of ₹63,855 Cr, and liabilities of ₹527,363 Cr.
What is the Market Cap of IndusInd Bank Ltd?
The Market Cap of IndusInd Bank Ltd is 74,312 Cr..
What is the current Stock Price of IndusInd Bank Ltd as on 17 January 2026?
The current stock price of IndusInd Bank Ltd as on 17 January 2026 is ₹954.
What is the High / Low of IndusInd Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of IndusInd Bank Ltd stocks is ₹1,087/605.
What is the Stock P/E of IndusInd Bank Ltd?
The Stock P/E of IndusInd Bank Ltd is .
What is the Book Value of IndusInd Bank Ltd?
The Book Value of IndusInd Bank Ltd is 830.
What is the Dividend Yield of IndusInd Bank Ltd?
The Dividend Yield of IndusInd Bank Ltd is 0.00 %.
What is the ROCE of IndusInd Bank Ltd?
The ROCE of IndusInd Bank Ltd is 6.49 %.
What is the ROE of IndusInd Bank Ltd?
The ROE of IndusInd Bank Ltd is 4.15 %.
What is the Face Value of IndusInd Bank Ltd?
The Face Value of IndusInd Bank Ltd is 10.0.