Share Price and Basic Stock Data
Last Updated: December 13, 2025, 8:08 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 been on a steady growth trajectory, with revenue scaling from ₹30,822 Cr in FY 2022 to a robust ₹36,368 Cr in FY 2023, reflecting a commendable year-on-year increase. This upward trend continued into FY 2024, where revenue is reported at ₹45,748 Cr, demonstrating the bank’s ability to capitalize on market opportunities and expand its customer base. The quarterly revenue figures show a consistent rise, with the latest reported revenue for September 2023 standing at ₹11,248 Cr, up from ₹10,021 Cr in March 2023. The bank’s revenue growth appears strong, driven by an increase in interest income, which rose significantly from ₹15,525 Cr in FY 2023 to ₹25,132 Cr in FY 2024. This growth indicates that IndusInd Bank is effectively leveraging its lending capabilities while managing its interest rates competitively.
Profitability and Efficiency Metrics
The profitability metrics for IndusInd Bank reveal a mixed picture. While net profit increased from ₹7,390 Cr in FY 2023 to ₹8,950 Cr in FY 2024, the latest trailing twelve months (TTM) net profit has declined to ₹1,175 Cr, suggesting volatility in earnings. The bank’s return on equity (ROE) has shown a decline, dropping to 4.15% in the latest reporting period, down from 14% in FY 2023, highlighting potential challenges in maintaining profitability amid rising costs. Additionally, the cost-to-income ratio has surged to 60.10% in FY 2025, indicating that the bank may be facing higher operational costs relative to its income. While these figures may raise concerns about efficiency, the net interest margin remains relatively stable at around 3.43%, suggesting that the bank’s core lending operations still yield positive results.
Balance Sheet Strength and Financial Ratios
IndusInd Bank’s balance sheet exhibits a solid foundation, with total assets reported at ₹554,018 Cr in FY 2025, reflecting growth from ₹514,935 Cr in FY 2024. The bank’s reserves also increased to ₹63,855 Cr, up from ₹62,019 Cr, indicating a prudent approach to capital management. However, the gross non-performing assets (NPA) ratio has shown a worrying upward trend, rising to 3.64% in June 2025, compared to 1.94% a year prior. This increase in NPAs could signal potential credit quality issues that the bank must address. Furthermore, the bank’s price-to-book (P/B) value stands at 0.78, suggesting that the stock is trading below its intrinsic value, which may indicate market skepticism about its future performance. Yet, the overall leverage appears manageable, with borrowings at ₹53,704 Cr, allowing room for further growth.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IndusInd Bank reflects a diverse ownership structure, with foreign institutional investors (FIIs) holding 34.32% and domestic institutional investors (DIIs) at 31.57%. This diverse investor base is often a positive indicator of confidence in the bank’s future prospects. However, it is noteworthy that promoter holdings have been on a declining trend, now at 15.82%, which may raise questions about management’s commitment. The number of shareholders has increased significantly, reaching 701,711, which indicates growing retail interest in the bank. This heightened participation could provide a buffer against volatility as more investors are invested in the bank’s long-term success. Yet, the decline in promoter shareholding could be viewed as a risk factor, potentially signaling a lack of confidence from the founding members.
Outlook, Risks, and Final Insight
Looking ahead, IndusInd Bank faces a dual-edged sword of opportunities and risks. On one hand, the bank’s robust revenue growth and solid asset base position it well to navigate the competitive banking landscape. On the other hand, the rising NPA levels and declining ROE present significant challenges that could impact investor sentiment. The increased operational costs also pose a risk to profitability, particularly if revenue growth does not keep pace. Investors should closely monitor the bank’s efforts to manage asset quality and operational efficiency. The evolving economic landscape, including interest rate fluctuations and regulatory changes, could further influence the bank’s performance. Ultimately, while IndusInd Bank showcases strong fundamentals, the risks associated with credit quality and profitability warrant cautious optimism among investors.
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 | 2,232 Cr. | 268 | 367/180 | 27.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,322 Cr. | 25.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,193 Cr. | 263 | 331/250 | 8.83 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,780 Cr. | 21.9 | 24.3/16.0 | 24.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,278 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,939.13 Cr | 418.17 | 18.36 | 241.49 | 0.59% | 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: October 15, 2025, 5:07 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 | 48,385 |
| 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 | 30,121 |
| 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 | 24,010 |
| Financing Profit | 335 | 288 | 329 | 379 | 942 | -437 | -553 | -2,469 | -839 | 2,067 | 2,978 | -3,584 | -5,747 |
| Financing Margin % | 4% | 3% | 3% | 3% | 5% | -2% | -2% | -9% | -3% | 6% | 7% | -7% | -12% |
| 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 | 7,399 |
| 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 | 1,652 |
| 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 | 1,175 |
| 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 | 15.08 |
| 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 - 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 | -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 | 9,258,275 | 1.02 | 735.85 | N/A | N/A | N/A |
| HDFC Mid Cap Fund | 9,226,037 | 0.82 | 733.29 | N/A | N/A | N/A |
| ICICI Prudential Large & Mid Cap Fund | 8,512,253 | 2.63 | 676.55 | N/A | N/A | N/A |
| Mirae Asset Large & Midcap Fund | 8,342,953 | 1.54 | 663.1 | N/A | N/A | N/A |
| ICICI Prudential Value Fund | 6,780,606 | 0.93 | 538.92 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 6,708,756 | 0.5 | 533.21 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 6,178,140 | 1.23 | 491.04 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 5,901,132 | 1.73 | 469.02 | N/A | N/A | N/A |
| Mirae Asset Large Cap Fund | 5,448,090 | 1.05 | 433.01 | N/A | N/A | N/A |
| Kotak Multicap Fund | 5,382,727 | 1.99 | 427.82 | N/A | N/A | N/A |
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: 18.36)
- 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 13 December 2025) is 421.61 which is 50.16% lower the current market price of 846.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 65,922 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 65,922 Cr..
What is the current Stock Price of IndusInd Bank Ltd as on 13 December 2025?
The current stock price of IndusInd Bank Ltd as on 13 December 2025 is 846.
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.