Share Price and Basic Stock Data
Last Updated: November 28, 2025, 8:25 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 has recorded a robust growth trajectory in its revenue streams, with total revenue reaching ₹36,368 Cr in FY 2023, up from ₹30,822 Cr in FY 2022. This upward trend is further exemplified by the reported revenue of ₹45,748 Cr for FY 2024, indicating a significant increase of approximately 26% year-on-year. In the latest quarterly results, the bank reported revenue of ₹11,248 Cr for September 2023, which reflects a steady growth pattern from ₹10,021 Cr in March 2023. The bank’s interest income has shown a similar upward movement, rising from ₹18,776 Cr in FY 2023 to ₹25,132 Cr in FY 2024. This increase in revenue can be attributed to a strong focus on retail banking and a diversified product portfolio, positioning IndusInd Bank favorably within the competitive landscape of the Indian banking sector. However, the bank’s financing profit has shown volatility, with a decline to -₹3,598 Cr projected for FY 2025, suggesting challenges in managing operational costs and interest margins.
Profitability and Efficiency Metrics
IndusInd Bank’s profitability metrics indicate a mixed performance, with net profit reported at ₹2,643 Cr for FY 2025, a decline from ₹8,950 Cr in FY 2024. The bank’s net profit margin stood at 5.29% for FY 2025, down from 19.62% in FY 2024, reflecting pressures on profitability. Return on equity (ROE) also declined significantly to 4.15% for the current period compared to 15% in FY 2024. The gross non-performing assets (NPA) ratio has been a point of concern, increasing to 3.64% in June 2025, compared to 1.94% in June 2023, indicating a deterioration in asset quality. This trend is critical as it affects the bank’s overall efficiency and capacity to generate profits. Furthermore, the cost-to-income ratio has risen sharply to 60.10% in FY 2025, up from 47.14% in FY 2024, reflecting higher operational costs and potential inefficiencies that need addressing to restore profitability and operational effectiveness.
Balance Sheet Strength and Financial Ratios
IndusInd Bank’s balance sheet demonstrates a solid foundation with total assets amounting to ₹554,018 Cr as of FY 2025, up from ₹514,935 Cr in FY 2024. The bank’s reserves have also increased to ₹63,855 Cr, highlighting a commitment to maintaining a robust capital base. However, the bank’s equity capital remained relatively stable at ₹779 Cr, suggesting a conservative approach to equity financing. The price-to-book value ratio stands at 0.78, indicating that the bank is trading below its book value, which could attract value-oriented investors. The bank’s interest expenses as a percentage of total assets rose to 5.34% in FY 2025, compared to 4.87% in FY 2024, suggesting rising borrowing costs. Additionally, the return on assets (ROA) decreased to 0.46%, down from 1.74% in FY 2024, indicating challenges in generating returns on its asset base, which warrants attention to enhance operational efficiency and profitability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IndusInd Bank reveals a diverse ownership structure, with promoters holding 15.82%, foreign institutional investors (FIIs) at 34.32%, domestic institutional investors (DIIs) at 31.57%, and the public holding 17.91%. Over the past year, there has been a slight decline in promoter holding from 16.51% in December 2022 to 15.82% in June 2025, reflecting potential dilution of control. Conversely, the FII stake has fluctuated but remained significant, indicating continued interest from international investors. The number of shareholders has grown substantially, reaching 701,711 in September 2025, suggesting increased retail participation and confidence in the bank’s future prospects. However, the decline in promoter holding and the volatility in institutional stakes may raise concerns regarding long-term governance and investor sentiment, especially in light of the recent financial performance challenges faced by the bank.
Outlook, Risks, and Final Insight
Looking ahead, IndusInd Bank faces both opportunities and risks. The ongoing increase in revenue and a strong asset base provide a foundation for future growth. However, the rising gross NPA levels and declining profitability metrics present significant risks that could hinder the bank’s performance. The bank must address its operational efficiency to improve its cost-to-income ratio and manage its asset quality more effectively. Additionally, potential macroeconomic headwinds, including interest rate fluctuations and regulatory changes, could impact profitability. The management’s ability to navigate these challenges while capitalizing on growth opportunities in retail banking will be crucial. If the bank can stabilize its asset quality and enhance profitability, it may regain investor confidence and strengthen its market position in the competitive Indian banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of IndusInd Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,596 Cr. | 312 | 372/180 | 32.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,380 Cr. | 26.8 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,259 Cr. | 278 | 331/250 | 9.30 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,601 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,582 Cr. | 54.6 | 56.2/30.8 | 25.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,938.74 Cr | 422.98 | 18.82 | 241.49 | 0.58% | 6.84% | 11.80% | 6.48 |
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 | 8,182 | 8,708 | 9,457 | 10,021 | 10,730 | 11,248 | 11,572 | 12,199 | 12,547 | 12,686 | 12,801 | 10,634 | 12,264 |
| Interest | 4,057 | 4,406 | 4,962 | 5,351 | 5,863 | 6,171 | 6,277 | 6,822 | 7,139 | 7,339 | 7,573 | 7,586 | 7,624 |
| Expenses | 3,911 | 3,934 | 3,956 | 4,097 | 4,238 | 4,451 | 4,623 | 4,749 | 4,972 | 5,759 | 5,723 | 6,646 | 5,882 |
| Financing Profit | 214 | 368 | 539 | 572 | 629 | 625 | 672 | 628 | 436 | -412 | -495 | -3,598 | -1,242 |
| Financing Margin % | 3% | 4% | 6% | 6% | 6% | 6% | 6% | 5% | 3% | -3% | -4% | -34% | -10% |
| Other Income | 1,929 | 2,011 | 2,076 | 2,151 | 2,210 | 2,282 | 2,396 | 2,500 | 2,441 | 2,184 | 2,350 | 709 | 2,156 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,143 | 2,379 | 2,616 | 2,723 | 2,838 | 2,907 | 3,068 | 3,128 | 2,877 | 1,772 | 1,855 | -2,889 | 914 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | -23% | 25% |
| Net Profit | 1,603 | 1,787 | 1,959 | 2,041 | 2,124 | 2,181 | 2,298 | 2,347 | 2,152 | 1,325 | 1,401 | -2,236 | 684 |
| EPS in Rs | 20.68 | 23.05 | 25.27 | 26.30 | 27.37 | 28.07 | 29.55 | 30.15 | 27.64 | 17.01 | 17.99 | -28.70 | 8.78 |
| Gross NPA % | 2.35% | 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 % | 0.67% | 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: August 1, 2025, 7:20 pm
Below is a detailed analysis of the quarterly data for IndusInd Bank Ltd 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 7,624.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,586.00 Cr. (Mar 2025) to 7,624.00 Cr., marking an increase of 38.00 Cr..
- For Expenses, as of Jun 2025, the value is 5,882.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6,646.00 Cr. (Mar 2025) to 5,882.00 Cr., marking a decrease of 764.00 Cr..
- For Other Income, as of Jun 2025, the value is 2,156.00 Cr.. The value appears strong and on an upward trend. It has increased from 709.00 Cr. (Mar 2025) to 2,156.00 Cr., marking an increase of 1,447.00 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 914.00 Cr.. The value appears strong and on an upward trend. It has increased from -2,889.00 Cr. (Mar 2025) to 914.00 Cr., marking an increase of 3,803.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from -23.00% (Mar 2025) to 25.00%, marking an increase of 48.00%.
- For Net Profit, as of Jun 2025, the value is 684.00 Cr.. The value appears strong and on an upward trend. It has increased from -2,236.00 Cr. (Mar 2025) to 684.00 Cr., marking an increase of 2,920.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 8.78. The value appears strong and on an upward trend. It has increased from -28.70 (Mar 2025) to 8.78, marking an increase of 37.48.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 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 | 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: November 9, 2025, 2:15 pm
| 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 |
|---|---|---|---|---|---|---|
| SBI Nifty 50 ETF | 12,112,175 | 1.12 | 1745.73 | 12,112,175 | 2025-04-22 17:25:31 | 0% |
| SBI S&P BSE Sensex ETF | 8,524,445 | 1.29 | 1228.5 | 8,524,445 | 2025-04-22 17:25:31 | 0% |
| HDFC Top 100 Fund - Regular Plan | 4,218,140 | 2.36 | 607.96 | 4,218,140 | 2025-04-22 12:29:18 | 0% |
| Kotak Equity Arbitrage Fund - Regular Plan | 3,606,000 | 1.79 | 519.73 | 3,606,000 | 2025-04-22 17:25:31 | 0% |
| Nippon India ETF Nifty Bank BeES | 2,647,048 | 6.56 | 381.52 | 2,647,048 | 2025-04-22 17:25:31 | 0% |
| Franklin India Focused Equity Fund | 2,250,000 | 3.51 | 324.29 | 2,250,000 | 2025-04-22 17:25:31 | 0% |
| HDFC Balanced Advantage Fund - Regular Plan | 2,118,000 | 0.48 | 305.27 | 2,118,000 | 2025-04-22 17:25:31 | 0% |
| HDFC Hybrid Equity Fund - Regular Plan | 2,027,000 | 1.42 | 292.15 | 2,027,000 | 2025-04-22 05:57:46 | 0% |
| Kotak Nifty Bank ETF | 1,880,019 | 6.56 | 270.97 | 1,880,019 | 2025-04-22 17:25:31 | 0% |
| SBI Nifty Bank ETF | 1,871,365 | 6.56 | 269.72 | 1,871,365 | 2025-04-22 09:30:07 | 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.) | 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
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: 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: 18.82)
- 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 | investor@indusind.com http://www.indusind.com |
| 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 28 November 2025) is 421.61 which is 50.80% lower the current market price of 857.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 66,818 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 66,818 Cr..
What is the current Stock Price of IndusInd Bank Ltd as on 28 November 2025?
The current stock price of IndusInd Bank Ltd as on 28 November 2025 is 857.
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.