Kotak Mahindra Bank Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 10, 2025, 10:47 am

Market Cap	4,08,123 Cr.
Current Price	2,053
High / Low	2,203/1,544
Stock P/E	20.8
Book Value	740
Dividend Yield	0.10 %
ROCE	7.86 %
ROE	15.1 %
Face Value	5.00
PEG Ratio	1.18

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Kotak Mahindra Bank Ltd

Competitors of Kotak Mahindra 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	1,723 Cr.	208	467/180	18.4	80.6	0.00 %	7.07 %	14.4 %	10.0
Yes Bank Ltd	53,804 Cr.	17.2	28.6/16.0	24.8	15.0	0.00 %	5.81 %	3.11 %	2.00
Ujjivan Small Finance Bank Ltd	7,694 Cr.	39.8	56.2/30.8	7.91	30.0	3.77 %	11.1 %	26.7 %	10.0
South Indian Bank Ltd	6,174 Cr.	23.6	31.8/22.1	4.95	37.2	1.27 %	6.19 %	13.8 %	1.00
Karnataka Bank Ltd	6,861 Cr.	182	245/162	5.30	306	3.03 %	6.24 %	13.7 %	10.0
Industry Average	158,213.24 Cr	422.61		13.43	244.61	1.07%	7.14%	13.99%	6.14

All Competitor Stocks of Kotak Mahindra Bank Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	8,626	8,838	9,164	9,994	11,011	11,982	12,869	13,717	14,495	15,156	15,837	16,427	16,633
Interest	2,919	2,904	3,004	3,375	3,802	4,230	4,834	5,536	5,985	6,212	6,805	7,139	7,171
Expenses	6,839	8,555	4,879	9,313	9,345	10,548	10,303	10,136	12,484	14,920	12,263	13,094	10,595
Financing Profit	-1,132	-2,620	1,281	-2,694	-2,136	-2,796	-2,269	-1,955	-3,975	-5,976	-3,231	-3,806	-1,133
Financing Margin %	-13%	-30%	14%	-27%	-19%	-23%	-18%	-14%	-27%	-39%	-20%	-23%	-7%
Other Income	5,543	7,838	2,405	7,441	7,360	8,785	7,855	7,843	9,588	12,751	13,042	10,453	7,313
Depreciation	0	131	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	4,411	5,087	3,686	4,747	5,224	5,989	5,586	5,888	5,614	6,775	9,811	6,647	6,180
Tax %	24%	24%	26%	25%	24%	24%	26%	25%	25%	23%	25%	25%	25%
Net Profit	3,403	3,892	2,755	3,608	3,995	4,566	4,150	4,461	4,265	5,337	7,448	5,044	4,701
EPS in Rs	17.15	19.61	13.88	18.17	20.12	22.99	20.88	22.45	21.46	26.85	37.47	25.37	23.64
Gross NPA %	2.75%	2.37%	2.27%	2.09%	1.91%	1.76%	1.75%	1.69%	1.68%	1.38%	1.39%	1.48%	1.51%
Net NPA %	0.87%	0.71%	0.69%	0.60%	0.48%	0.41%	0.43%	0.39%	0.36%	0.36%	0.38%	0.45%	0.44%

Last Updated: February 28, 2025, 6:50 pm

Below is a detailed analysis of the quarterly data for Kotak Mahindra Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 7,171.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,139.00 Cr. (Sep 2024) to 7,171.00 Cr., marking an increase of 32.00 Cr..
For Expenses, as of Dec 2024, the value is 10,595.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 13,094.00 Cr. (Sep 2024) to 10,595.00 Cr., marking a decrease of 2,499.00 Cr..
For Other Income, as of Dec 2024, the value is 7,313.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10,453.00 Cr. (Sep 2024) to 7,313.00 Cr., marking a decrease of 3,140.00 Cr..
For Depreciation, as of Dec 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is 6,180.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,647.00 Cr. (Sep 2024) to 6,180.00 Cr., marking a decrease of 467.00 Cr..
For Tax %, as of Dec 2024, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 25.00%.
For Net Profit, as of Dec 2024, the value is 4,701.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,044.00 Cr. (Sep 2024) to 4,701.00 Cr., marking a decrease of 343.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 23.64. The value appears to be declining and may need further review. It has decreased from 25.37 (Sep 2024) to 23.64, marking a decrease of 1.73.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:42 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	10,838	11,986	13,319	20,402	22,324	25,131	29,831	33,474	32,820	33,741	42,151	56,237	64,053
Interest	6,024	6,312	6,966	11,123	11,458	12,467	15,187	15,901	12,967	11,554	14,411	22,567	27,327
Expenses	6,603	7,053	9,718	11,541	14,832	16,805	19,758	22,578	29,812	30,699	33,485	47,052	50,872
Financing Profit	-1,789	-1,379	-3,366	-2,263	-3,965	-4,141	-5,114	-5,005	-9,958	-8,512	-5,746	-13,382	-14,146
Financing Margin %	-17%	-12%	-25%	-11%	-18%	-16%	-17%	-15%	-30%	-25%	-14%	-24%	-22%
Other Income	5,112	5,282	8,152	7,631	11,660	13,682	16,148	16,892	23,588	24,941	25,991	38,037	43,559
Depreciation	179	208	237	345	362	383	458	465	461	480	599	792	0
Profit before tax	3,144	3,695	4,550	5,024	7,332	9,158	10,576	11,422	13,168	15,948	19,646	23,863	29,413
Tax %	30%	32%	33%	32%	32%	33%	33%	25%	25%	25%	25%	25%
Net Profit	2,238	2,527	3,105	3,524	5,019	6,258	7,204	8,593	9,990	12,089	14,925	18,213	22,530
EPS in Rs	14.66	16.00	19.72	18.86	26.84	32.54	37.74	44.92	50.41	60.91	75.13	91.62	113.33
Dividend Payout %	2%	2%	2%	3%	2%	2%	2%	-0%	2%	2%	2%	2%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	12.91%	22.87%	13.49%	42.42%	24.69%	15.12%	19.28%	16.26%	21.01%	23.46%	22.03%
Change in YoY Net Profit Growth (%)	0.00%	9.96%	-9.38%	28.93%	-17.74%	-9.57%	4.16%	-3.02%	4.75%	2.45%	-1.43%

Kotak Mahindra Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	17%
5 Years:	14%
3 Years:	20%
TTM:	21%

Compounded Profit Growth
10 Years:	22%
5 Years:	20%
3 Years:	22%
TTM:	13%

Stock Price CAGR
10 Years:	11%
5 Years:	10%
3 Years:	5%
1 Year:	12%

Return on Equity
10 Years:	14%
5 Years:	14%
3 Years:	14%
Last Year:	15%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 3:23 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	Sep 2024
Equity Capital	373	385	386	917	920	953	954	957	991	992	993	994	994
Reserves	14,894	18,699	21,770	32,447	37,572	49,535	56,827	65,680	83,348	95,673	110,821	128,978	146,220
Deposits	49,389	56,930	72,843	135,949	155,540	191,236	224,824	260,400	278,871	310,087	361,273	445,269	457,591
Borrowings	36,172	29,007	31,415	43,730	49,690	58,604	66,939	66,077	48,239	55,660	57,534	75,106	77,071
Other Liabilities	64,395	74,106	94,893	163,710	188,005	228,628	270,451	310,459	346,277	394,173	451,081	562,590	580,696
Total Liabilities	115,835	122,197	148,464	240,804	276,188	337,720	395,171	443,173	478,854	546,498	620,430	767,667	804,981
Fixed Assets	620	1,264	1,385	1,761	1,759	2,543	2,697	2,675	2,554	2,723	3,075	3,510	2,658
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	40,907	38,791	45,589	70,274	68,462	90,977	103,487	111,197	156,946	164,529	195,338	246,446	273,268
Other Assets	74,308	82,142	101,490	168,769	205,967	244,201	288,987	329,301	319,355	379,245	422,017	517,711	529,056
Total Assets	115,835	122,197	148,464	240,804	276,188	337,720	395,171	443,173	478,854	546,498	620,430	767,667	804,981

Below is a detailed analysis of the balance sheet data for Kotak Mahindra Bank Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹994.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 994.00 Cr..
For Reserves, as of Sep 2024, the value is ₹146,220.00 Cr.. The value appears strong and on an upward trend. It has increased from 128,978.00 Cr. (Mar 2024) to ₹146,220.00 Cr., marking an increase of 17,242.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹77,071.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 75,106.00 Cr. (Mar 2024) to ₹77,071.00 Cr., marking an increase of 1,965.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹580,696.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 562,590.00 Cr. (Mar 2024) to ₹580,696.00 Cr., marking an increase of 18,106.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹804,981.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 767,667.00 Cr. (Mar 2024) to ₹804,981.00 Cr., marking an increase of 37,314.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹2,658.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,510.00 Cr. (Mar 2024) to ₹2,658.00 Cr., marking a decrease of 852.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Investments, as of Sep 2024, the value is ₹273,268.00 Cr.. The value appears strong and on an upward trend. It has increased from 246,446.00 Cr. (Mar 2024) to ₹273,268.00 Cr., marking an increase of 26,822.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹529,056.00 Cr.. The value appears strong and on an upward trend. It has increased from 517,711.00 Cr. (Mar 2024) to ₹529,056.00 Cr., marking an increase of 11,345.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹804,981.00 Cr.. The value appears strong and on an upward trend. It has increased from 767,667.00 Cr. (Mar 2024) to ₹804,981.00 Cr., marking an increase of 37,314.00 Cr..

Notably, the Reserves (146,220.00 Cr.) exceed the Borrowings (77,071.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

No data available for this post.

Free 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
Free Cash Flow	-43.00	-49.00	-63.00	-124.00	-141.00	-175.00	-205.00	-238.00	-249.00	-280.00	-328.00	-398.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

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
ROE %	16%	14%	15%	12%	14%	14%	13%	14%	13%	13%	14%	15%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	25.98%	25.97%	25.96%	25.95%	25.95%	25.94%	25.92%	25.91%	25.90%	25.89%	25.88%	25.88%
FIIs	40.86%	40.55%	40.92%	40.90%	39.42%	41.54%	40.97%	39.74%	37.59%	33.16%	33.39%	32.48%
DIIs	16.60%	17.29%	19.96%	20.09%	21.31%	19.57%	20.00%	21.38%	23.40%	27.69%	27.88%	28.79%
Public	16.56%	16.20%	13.16%	13.05%	13.30%	12.92%	13.11%	12.98%	13.11%	13.26%	12.84%	12.83%
No. of Shareholders	5,79,821	5,64,789	5,54,779	5,43,736	5,82,733	5,60,825	6,35,299	6,34,698	6,81,301	7,82,680	7,39,755	7,46,602

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
SBI Nifty 50 ETF	27,294,771	3.05	4747.65	27,294,771	2025-04-11	0%
SBI S&P BSE Sensex ETF	18,705,792	3.42	3253.22	N/A	N/A	N/A
Mirae Asset Large Cap Fund	5,520,684	2.79	960.27	N/A	N/A	N/A
UTI Flexi Cap Fund	5,167,851	3.69	898.9	5,167,851	2025-04-11	0%
Axis ELSS Tax Saver Fund	4,834,650	2.7	840.94	N/A	N/A	N/A
ICICI Prudential Balanced Advantage Fund	4,472,199	1.56	777.89	N/A	N/A	N/A
SBI Blue Chip Fund	4,390,470	1.98	763.68	N/A	N/A	N/A
SBI Flexi Cap Fund	4,314,000	4.27	750.38	N/A	N/A	N/A
HDFC Top 100 Fund - Regular Plan	4,128,335	2.79	718.08	N/A	N/A	N/A
Axis Bluechip Fund	3,592,000	2.03	624.79	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	5.00	5.00	5.00	5.00	5.00
Basic EPS (Rs.)	91.45	74.96	60.76	50.53	44.73
Diluted EPS (Rs.)	91.45	74.94	60.73	50.49	44.68
Cash EPS (Rs.)	90.43	77.42	62.54	52.29	47.00
Book Value[Excl.RevalReserv]/Share (Rs.)	653.81	562.86	487.06	425.56	348.33
Book Value[Incl.RevalReserv]/Share (Rs.)	653.81	562.86	487.06	425.56	348.33
Operating Revenue / Share (Rs.)	282.89	212.18	170.01	165.60	174.98
Net Profit / Share (Rs.)	90.43	74.40	60.12	49.97	44.99
Net Profit After MI / Share (Rs.)	91.62	75.13	60.91	50.41	44.92
Net Profit Margin (%)	31.96	35.06	35.36	30.17	25.71
Net Profit After MI And SOA Nargin (%)	32.38	35.40	35.83	30.43	25.67
Operating Profit Margin (%)	-35.67	-26.59	-39.65	-42.93	-24.74
Return On Assets (%)	2.37	2.40	2.21	2.08	1.93
Return On Equity / Networth (%)	14.01	13.34	12.50	11.84	12.89
Net Interest Margin (X)	4.38	4.47	4.05	4.14	3.96
Cost To Income (%)	56.99	62.61	64.79	62.53	59.43
Interest Income / Total Assets (%)	7.32	6.79	6.17	6.85	7.55
Non-Interest Income / Total Assets (%)	4.95	4.18	4.63	5.01	3.81
Operating Profit / Total Assets (%)	-2.61	-1.80	-2.44	-2.94	-1.86
Operating Expenses / Total Assets (%)	5.97	5.42	5.63	5.72	4.62
Interest Expenses / Total Assets (%)	2.93	2.32	2.11	2.70	3.58
Enterprise Value (Rs.Cr.)	839090.38	743190.93	697934.59	662196.27	564960.42
EV Per Net Sales (X)	14.92	17.63	20.69	20.18	16.88
Price To Book Value (X)	2.73	3.08	3.60	4.12	3.72
Price To Sales (X)	6.31	8.17	10.32	10.59	7.41
Retention Ratios (%)	100.00	98.26	100.00	100.00	100.00
Earnings Yield (X)	0.05	0.04	0.03	0.02	0.03

After reviewing the key financial ratios for Kotak Mahindra Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:

For Basic EPS (Rs.), as of Mar 24, the value is 91.45. This value is within the healthy range. It has increased from 74.96 (Mar 23) to 91.45, marking an increase of 16.49.
For Diluted EPS (Rs.), as of Mar 24, the value is 91.45. This value is within the healthy range. It has increased from 74.94 (Mar 23) to 91.45, marking an increase of 16.51.
For Cash EPS (Rs.), as of Mar 24, the value is 90.43. This value is within the healthy range. It has increased from 77.42 (Mar 23) to 90.43, marking an increase of 13.01.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 653.81. It has increased from 562.86 (Mar 23) to 653.81, marking an increase of 90.95.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 653.81. It has increased from 562.86 (Mar 23) to 653.81, marking an increase of 90.95.
For Net Profit / Share (Rs.), as of Mar 24, the value is 90.43. This value is within the healthy range. It has increased from 74.40 (Mar 23) to 90.43, marking an increase of 16.03.
For Net Profit Margin (%), as of Mar 24, the value is 31.96. This value exceeds the healthy maximum of 10. It has decreased from 35.06 (Mar 23) to 31.96, marking a decrease of 3.10.
For Return On Assets (%), as of Mar 24, the value is 2.37. This value is below the healthy minimum of 5. It has decreased from 2.40 (Mar 23) to 2.37, marking a decrease of 0.03.
For Retention Ratios (%), as of Mar 24, the value is 100.00. This value exceeds the healthy maximum of 70. It has increased from 98.26 (Mar 23) to 100.00, marking an increase of 1.74.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Kotak Mahindra Bank Ltd as of April 13, 2025 is: 1,861.21

Calculation basis:

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.

As of April 13, 2025, Kotak Mahindra Bank Ltd is Overvalued by 9.34% compared to the current share price 2,053.00

Intrinsic Value of Kotak Mahindra Bank Ltd as of April 13, 2025 is: 2,188.57

Calculation basis:

Intrinsic 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.

As of April 13, 2025, Kotak Mahindra Bank Ltd is Undervalued by 6.60% compared to the current share price 2,053.00

Last 5 Year EPS CAGR: 17.59%

*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 Kotak Mahindra Bank Ltd:
1. Net Profit Margin: 31.96%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 7.14%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.99%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 20.8 (Industry average Stock P/E: 13.43)
  - 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.
7. 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

Kotak Mahindra Bank Ltd. is a Public Limited Listed company incorporated on 21/11/1985 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65110MH1985PLC038137 and registration number is 038137. 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. 45798.91 Cr. and Equity Capital is Rs. 993.96 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Banks - Private Sector	27 BKC, C-27, G-Block, Mumbai Maharashtra 400051	investor.grievances@kotak.com http://www.kotak.com

Management
Name	Position Held
Mr. C S Rajan	Part Time Chairman & Independent Director
Mr. Ashok Vaswani	Managing Director & CEO
Ms. Shanti Ekambaram	Deputy Managing Director
Mr. Amit Desai	Non Executive Director
Mr. C Jayaram	Non Executive Director
Mr. Uday Kotak	Non Executive Director
Ms. Ashu Suyash	Independent Director
Mr. Uday Shankar	Independent Director
Dr. Ashok Gulati	Independent Director
Mr. Uday Chander Khanna	Independent Director
Mr. Cornelis Petrus Adrianus Joseph Leenaars	Independent Director

FAQ

What is the intrinsic value of Kotak Mahindra Bank Ltd?

Kotak Mahindra Bank Ltd's intrinsic value (as of 10 April 2025) is ₹1861.21 — 9.34% lower the current market price of 2,053.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 4,08,123 Cr. market cap, FY2025-2026 high/low of ₹2,203/1,544, reserves of 146,220 Cr, and liabilities of 804,981 Cr.

What is the Market Cap of Kotak Mahindra Bank Ltd?

The Market Cap of Kotak Mahindra Bank Ltd is 4,08,123 Cr..

What is the current Stock Price of Kotak Mahindra Bank Ltd as on 10 April 2025?

The current stock price of Kotak Mahindra Bank Ltd as on 10 April 2025 is 2,053.

What is the High / Low of Kotak Mahindra Bank Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Kotak Mahindra Bank Ltd stocks is ₹2,203/1,544.

What is the Stock P/E of Kotak Mahindra Bank Ltd?

The Stock P/E of Kotak Mahindra Bank Ltd is 20.8.

What is the Book Value of Kotak Mahindra Bank Ltd?

The Book Value of Kotak Mahindra Bank Ltd is 740.

What is the Dividend Yield of Kotak Mahindra Bank Ltd?

The Dividend Yield of Kotak Mahindra Bank Ltd is 0.10 %.

What is the ROCE of Kotak Mahindra Bank Ltd?

The ROCE of Kotak Mahindra Bank Ltd is 7.86 %.

What is the ROE of Kotak Mahindra Bank Ltd?

The ROE of Kotak Mahindra Bank Ltd is 15.1 %.

What is the Face Value of Kotak Mahindra Bank Ltd?

The Face Value of Kotak Mahindra Bank Ltd is 5.00.