Share Price and Basic Stock Data
Last Updated: January 31, 2026, 9:02 pm
| PEG Ratio | 2.42 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Kotak Mahindra Bank Ltd, a prominent player in the Indian private banking sector, reported a market capitalization of ₹4,09,901 Cr. The bank’s revenue trajectory reflects robust growth, with total revenue rising from ₹33,741 Cr in March 2022 to ₹42,151 Cr in March 2023, and projected to reach ₹56,237 Cr in March 2024. This upward trend continued, with trailing twelve months (TTM) revenue recorded at ₹67,852 Cr. Quarterly figures reveal a steady increase, with revenue standing at ₹13,717 Cr in September 2023, up from ₹9,994 Cr in September 2022. This growth can be attributed to an expanding customer base and enhanced service offerings, positioning Kotak Mahindra Bank favorably against its peers in the finance sector. The bank’s ability to adapt to market conditions and consumer needs has solidified its reputation and market share in the competitive landscape.
Profitability and Efficiency Metrics
Kotak Mahindra Bank’s profitability metrics illustrate a healthy performance, with a net profit of ₹18,574 Cr reported for the fiscal year ending March 2025. The bank’s net profit margin stood at an impressive 33.41% for the same period, indicating efficient cost management and strong revenue generation capabilities. The return on equity (ROE) is reported at 15.4%, while the return on capital employed (ROCE) is noted at 8.17%. The bank’s interest income has also seen significant growth, rising from ₹14,411 Cr in March 2023 to ₹22,567 Cr in March 2024. Despite facing challenges in financing profit, which reported negative figures, the bank managed to maintain profitability through diversified income streams. However, the financing margin percentage has remained negative, reflecting challenges in interest rate management, which could impact future profitability if not addressed.
Balance Sheet Strength and Financial Ratios
Kotak Mahindra Bank’s balance sheet exhibits strong fundamentals, with total assets recorded at ₹879,774 Cr as of March 2025. The bank’s reserves have grown significantly, reaching ₹166,941 Cr by September 2025. The equity capital has remained stable at ₹994 Cr, with a consistent increase in deposits, which stood at ₹524,500 Cr in September 2025, up from ₹361,273 Cr in March 2023. The price-to-earnings (P/E) ratio is reported at 21.8, indicating a positive valuation relative to earnings. Financial ratios such as the net interest margin stood at 4.25, and the cost-to-income ratio was recorded at 58.22%, suggesting moderate operational efficiency. However, the bank’s reliance on borrowings, which reached ₹97,622 Cr, poses a risk if interest rates rise, potentially squeezing margins further. The gross non-performing assets (NPA) ratio improved to 1.38% by March 2024, indicating effective risk management practices.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Kotak Mahindra Bank reveals a diversified ownership structure, with promoters holding 25.87% of shares, followed by foreign institutional investors (FIIs) at 29.75% and domestic institutional investors (DIIs) at 32.02%. This distribution reflects strong investor confidence, particularly among institutional investors, which is crucial for the bank’s stability and growth. The number of shareholders has increased significantly, standing at 6,91,413 as of September 2025, indicating a growing retail interest in the bank’s equity. The consistent dividend payout ratio of 2% underscores the bank’s commitment to returning value to shareholders. However, the decline in FIIs from 40.90% in December 2022 to 29.75% in September 2025 raises concerns about potential volatility and investor sentiment, which could impact share price performance in the short term.
Outlook, Risks, and Final Insight
The outlook for Kotak Mahindra Bank appears positive, driven by strong revenue growth and effective cost management strategies. However, several risks could impact its performance. The negative financing margins and reliance on borrowings could create vulnerabilities, especially in a rising interest rate environment. Additionally, while improving NPA ratios signal effective asset quality management, any economic downturn could reverse these gains. The bank’s strategic focus on digital transformation and customer-centric services may enhance its competitive edge in the evolving banking landscape. Should the bank successfully manage its interest rate risk and maintain its asset quality, it could continue to deliver robust growth. Conversely, failure to adapt to market changes could lead to challenges in sustaining profitability and 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 | 1,800 Cr. | 216 | 339/180 | 25.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,512 Cr. | 29.3 | 37.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,167 Cr. | 257 | 331/249 | 8.61 | 306 | 1.56 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,182 Cr. | 21.4 | 24.3/16.0 | 21.2 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,675 Cr. | 65.4 | 68.0/30.9 | 25.7 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 159,710.17 Cr | 349.24 | 17.67 | 214.17 | 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 | 9,994 | 11,011 | 11,982 | 12,869 | 13,717 | 14,495 | 15,156 | 15,837 | 16,427 | 16,633 | 16,772 | 17,248 | 17,199 |
| Interest | 3,375 | 3,802 | 4,230 | 4,834 | 5,536 | 5,985 | 6,212 | 6,805 | 7,139 | 7,171 | 7,160 | 7,527 | 7,333 |
| Expenses | 9,313 | 9,345 | 10,548 | 10,303 | 10,136 | 12,484 | 14,920 | 12,263 | 13,094 | 10,595 | 13,664 | 13,123 | 11,606 |
| Financing Profit | -2,694 | -2,136 | -2,796 | -2,269 | -1,955 | -3,975 | -5,976 | -3,231 | -3,806 | -1,133 | -4,051 | -3,402 | -1,740 |
| Financing Margin % | -27% | -19% | -23% | -18% | -14% | -27% | -39% | -20% | -23% | -7% | -24% | -20% | -10% |
| Other Income | 7,441 | 7,360 | 8,785 | 7,855 | 7,843 | 9,588 | 12,751 | 13,042 | 10,453 | 7,313 | 10,402 | 9,456 | 7,703 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4,747 | 5,224 | 5,989 | 5,586 | 5,888 | 5,614 | 6,775 | 9,811 | 6,647 | 6,180 | 6,351 | 6,053 | 5,963 |
| Tax % | 25% | 24% | 24% | 26% | 25% | 25% | 23% | 25% | 25% | 25% | 23% | 27% | 25% |
| Net Profit | 3,608 | 3,995 | 4,566 | 4,150 | 4,461 | 4,265 | 5,337 | 7,448 | 5,044 | 4,701 | 4,933 | 4,472 | 4,468 |
| EPS in Rs | 18.17 | 20.12 | 22.99 | 20.88 | 22.45 | 21.46 | 26.85 | 37.47 | 25.37 | 23.64 | 24.81 | 22.49 | 22.47 |
| Gross NPA % | 2.09% | 1.91% | 1.76% | 1.75% | 1.69% | 1.68% | 1.38% | 1.39% | 1.48% | 1.51% | 1.45% | ||
| Net NPA % | 0.60% | 0.48% | 0.41% | 0.43% | 0.39% | 0.36% | 0.36% | 0.38% | 0.45% | 0.44% | 0.36% |
Last Updated: December 30, 2025, 6:06 am
Below is a detailed analysis of the quarterly data for Kotak Mahindra 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 7,333.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 7,527.00 Cr. (Jun 2025) to 7,333.00 Cr., marking a decrease of 194.00 Cr..
- For Expenses, as of Sep 2025, the value is 11,606.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 13,123.00 Cr. (Jun 2025) to 11,606.00 Cr., marking a decrease of 1,517.00 Cr..
- For Other Income, as of Sep 2025, the value is 7,703.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9,456.00 Cr. (Jun 2025) to 7,703.00 Cr., marking a decrease of 1,753.00 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 5,963.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,053.00 Cr. (Jun 2025) to 5,963.00 Cr., marking a decrease of 90.00 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 27.00% (Jun 2025) to 25.00%, marking a decrease of 2.00%.
- For Net Profit, as of Sep 2025, the value is 4,468.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,472.00 Cr. (Jun 2025) to 4,468.00 Cr., marking a decrease of 4.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 22.47. The value appears to be declining and may need further review. It has decreased from 22.49 (Jun 2025) to 22.47, marking a decrease of 0.02.
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, 5:05 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 | 11,986 | 13,319 | 20,402 | 22,324 | 25,131 | 29,831 | 33,474 | 32,820 | 33,741 | 42,151 | 56,237 | 65,669 | 67,852 |
| Interest | 6,312 | 6,966 | 11,123 | 11,458 | 12,467 | 15,187 | 15,901 | 12,967 | 11,554 | 14,411 | 22,567 | 28,275 | 29,190 |
| Expenses | 7,053 | 9,718 | 11,541 | 14,832 | 16,805 | 19,758 | 22,578 | 29,812 | 30,699 | 33,485 | 47,052 | 48,891 | 48,988 |
| Financing Profit | -1,379 | -3,366 | -2,263 | -3,965 | -4,141 | -5,114 | -5,005 | -9,958 | -8,512 | -5,746 | -13,382 | -11,496 | -10,326 |
| Financing Margin % | -12% | -25% | -11% | -18% | -16% | -17% | -15% | -30% | -25% | -14% | -24% | -18% | -15% |
| Other Income | 5,282 | 8,152 | 7,631 | 11,660 | 13,682 | 16,148 | 16,892 | 23,588 | 24,941 | 25,991 | 38,037 | 41,426 | 34,873 |
| Depreciation | 208 | 237 | 345 | 362 | 383 | 458 | 465 | 461 | 480 | 599 | 792 | 941 | 0 |
| Profit before tax | 3,695 | 4,550 | 5,024 | 7,332 | 9,158 | 10,576 | 11,422 | 13,168 | 15,948 | 19,646 | 23,863 | 28,989 | 24,547 |
| Tax % | 32% | 33% | 32% | 32% | 33% | 33% | 25% | 25% | 25% | 25% | 25% | 24% | |
| Net Profit | 2,527 | 3,105 | 3,524 | 5,019 | 6,258 | 7,204 | 8,593 | 9,990 | 12,089 | 14,925 | 18,213 | 22,126 | 18,574 |
| EPS in Rs | 16.00 | 19.72 | 18.86 | 26.84 | 32.54 | 37.74 | 44.92 | 50.41 | 60.91 | 75.13 | 91.62 | 111.29 | 93.41 |
| Dividend Payout % | 2% | 2% | 3% | 2% | 2% | 2% | 0% | 2% | 2% | 2% | 2% | 2% |
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 (%) | 22.87% | 13.49% | 42.42% | 24.69% | 15.12% | 19.28% | 16.26% | 21.01% | 23.46% | 22.03% | 21.48% |
| Change in YoY Net Profit Growth (%) | 0.00% | -9.38% | 28.93% | -17.74% | -9.57% | 4.16% | -3.02% | 4.75% | 2.45% | -1.43% | -0.55% |
Kotak Mahindra 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: | 17% |
| 5 Years: | 14% |
| 3 Years: | 25% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 21% |
| 3 Years: | 22% |
| TTM: | 3% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 7% |
| 3 Years: | 1% |
| 1 Year: | 10% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 14% |
| 3 Years: | 15% |
| Last Year: | 15% |
Last Updated: September 5, 2025, 9:15 am
Balance Sheet
Last Updated: December 10, 2025, 2:58 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 | 385 | 386 | 917 | 920 | 953 | 954 | 957 | 991 | 992 | 993 | 994 | 994 | 994 |
| Reserves | 18,699 | 21,770 | 32,447 | 37,572 | 49,535 | 56,827 | 65,680 | 83,348 | 95,673 | 110,821 | 128,978 | 156,495 | 166,941 |
| Deposits | 56,930 | 72,843 | 135,949 | 155,540 | 191,236 | 224,824 | 260,400 | 278,871 | 310,087 | 361,273 | 445,269 | 494,707 | 524,500 |
| Borrowing | 29,007 | 31,415 | 43,730 | 49,690 | 58,604 | 66,939 | 66,077 | 48,239 | 55,660 | 57,534 | 75,106 | 97,622 | 82,700 |
| Other Liabilities | 17,176 | 22,049 | 27,761 | 32,465 | 37,392 | 45,626 | 50,059 | 67,405 | 84,086 | 89,809 | 117,321 | 129,955 | 137,817 |
| Total Liabilities | 122,197 | 148,464 | 240,804 | 276,188 | 337,720 | 395,171 | 443,173 | 478,854 | 546,498 | 620,430 | 767,667 | 879,774 | 912,952 |
| Fixed Assets | 1,264 | 1,385 | 1,761 | 1,759 | 2,543 | 2,697 | 2,675 | 2,554 | 2,723 | 3,075 | 3,510 | 3,759 | 2,838 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 38,791 | 45,589 | 70,274 | 68,462 | 90,977 | 103,487 | 111,197 | 156,946 | 164,529 | 195,338 | 246,446 | 284,255 | 284,843 |
| Other Assets | 82,142 | 101,490 | 168,769 | 205,967 | 244,201 | 288,987 | 329,301 | 319,355 | 379,245 | 422,017 | 517,711 | 591,761 | 625,271 |
| Total Assets | 122,197 | 148,464 | 240,804 | 276,188 | 337,720 | 395,171 | 443,173 | 478,854 | 546,498 | 620,430 | 767,667 | 879,774 | 912,952 |
Below is a detailed analysis of the balance sheet data for Kotak Mahindra 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 994.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 994.00 Cr..
- For Reserves, as of Sep 2025, the value is 166,941.00 Cr.. The value appears strong and on an upward trend. It has increased from 156,495.00 Cr. (Mar 2025) to 166,941.00 Cr., marking an increase of 10,446.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 137,817.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 129,955.00 Cr. (Mar 2025) to 137,817.00 Cr., marking an increase of 7,862.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 912,952.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 879,774.00 Cr. (Mar 2025) to 912,952.00 Cr., marking an increase of 33,178.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 2,838.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,759.00 Cr. (Mar 2025) to 2,838.00 Cr., marking a decrease of 921.00 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 2025, the value is 284,843.00 Cr.. The value appears strong and on an upward trend. It has increased from 284,255.00 Cr. (Mar 2025) to 284,843.00 Cr., marking an increase of 588.00 Cr..
- For Other Assets, as of Sep 2025, the value is 625,271.00 Cr.. The value appears strong and on an upward trend. It has increased from 591,761.00 Cr. (Mar 2025) to 625,271.00 Cr., marking an increase of 33,510.00 Cr..
- For Total Assets, as of Sep 2025, the value is 912,952.00 Cr.. The value appears strong and on an upward trend. It has increased from 879,774.00 Cr. (Mar 2025) to 912,952.00 Cr., marking an increase of 33,178.00 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 | -49.00 | -63.00 | -124.00 | -141.00 | -175.00 | -205.00 | -238.00 | -249.00 | -280.00 | -328.00 | -398.00 | -446.00 |
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 % | 14% | 15% | 12% | 14% | 14% | 13% | 14% | 13% | 13% | 14% | 15% | 15% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Parag Parikh Flexi Cap Fund | 24,621,592 | 4.07 | 5419.46 | 24,306,544 | 2026-01-25 08:10:57 | 1.3% |
| HDFC Flexi Cap Fund | 18,200,000 | 4.16 | 4006 | N/A | N/A | N/A |
| SBI Equity Hybrid Fund | 14,000,000 | 3.72 | 3081.54 | N/A | N/A | N/A |
| SBI Large Cap Fund | 9,200,000 | 3.62 | 2025.01 | N/A | N/A | N/A |
| SBI Focused Fund | 9,000,000 | 4.59 | 1980.99 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 8,515,792 | 1.73 | 1874.41 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 8,153,010 | 4.42 | 1794.56 | 7,341,626 | 2025-12-15 04:44:11 | 11.05% |
| SBI Contra Fund | 6,405,768 | 2.82 | 1409.97 | N/A | N/A | N/A |
| HDFC Focused Fund | 5,871,276 | 4.87 | 1292.33 | N/A | N/A | N/A |
| Aditya Birla Sun Life Large Cap Fund | 5,297,703 | 3.72 | 1166.08 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Basic EPS (Rs.) | 111.29 | 91.45 | 74.96 | 60.76 | 50.53 |
| Diluted EPS (Rs.) | 111.29 | 91.45 | 74.94 | 60.73 | 50.49 |
| Cash EPS (Rs.) | 115.11 | 94.41 | 77.42 | 62.54 | 52.29 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 792.11 | 653.81 | 562.86 | 487.06 | 425.56 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 792.11 | 653.81 | 562.86 | 487.06 | 425.56 |
| Operating Revenue / Share (Rs.) | 330.29 | 282.89 | 212.18 | 170.01 | 165.60 |
| Net Profit / Share (Rs.) | 110.38 | 90.43 | 74.40 | 60.12 | 49.97 |
| Net Profit After MI / Share (Rs.) | 111.29 | 91.62 | 75.13 | 60.91 | 50.41 |
| Net Profit Margin (%) | 33.41 | 31.96 | 35.06 | 35.36 | 30.17 |
| Net Profit After MI And SOA Nargin (%) | 33.69 | 32.38 | 35.40 | 35.83 | 30.43 |
| Operating Profit Margin (%) | 27.91 | 25.06 | 27.50 | 25.12 | 22.58 |
| Return On Assets (%) | 2.51 | 2.37 | 2.40 | 2.21 | 2.08 |
| Return On Equity / Networth (%) | 14.04 | 14.01 | 13.34 | 12.50 | 11.84 |
| Net Interest Margin (X) | 4.25 | 4.38 | 4.47 | 4.05 | 4.14 |
| Cost To Income (%) | 58.22 | 63.97 | 62.61 | 64.79 | 62.53 |
| Interest Income / Total Assets (%) | 7.46 | 7.32 | 6.79 | 6.17 | 6.85 |
| Non-Interest Income / Total Assets (%) | 4.68 | 4.95 | 4.18 | 4.63 | 5.01 |
| Operating Profit / Total Assets (%) | -2.19 | -2.61 | -1.80 | -2.44 | -2.94 |
| Operating Expenses / Total Assets (%) | 5.20 | 5.97 | 5.42 | 5.63 | 5.72 |
| Interest Expenses / Total Assets (%) | 3.21 | 2.93 | 2.32 | 2.11 | 2.70 |
| Enterprise Value (Rs.Cr.) | 982284.02 | 839090.53 | 743190.93 | 697934.59 | 662196.27 |
| EV Per Net Sales (X) | 14.96 | 14.92 | 17.63 | 20.69 | 20.18 |
| Price To Book Value (X) | 2.74 | 2.73 | 3.08 | 3.60 | 4.12 |
| Price To Sales (X) | 6.57 | 6.31 | 8.17 | 10.32 | 10.59 |
| Retention Ratios (%) | 98.20 | 98.15 | 98.26 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.05 | 0.05 | 0.04 | 0.03 | 0.02 |
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 25, the value is 111.29. This value is within the healthy range. It has increased from 91.45 (Mar 24) to 111.29, marking an increase of 19.84.
- For Diluted EPS (Rs.), as of Mar 25, the value is 111.29. This value is within the healthy range. It has increased from 91.45 (Mar 24) to 111.29, marking an increase of 19.84.
- For Cash EPS (Rs.), as of Mar 25, the value is 115.11. This value is within the healthy range. It has increased from 94.41 (Mar 24) to 115.11, marking an increase of 20.70.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 792.11. It has increased from 653.81 (Mar 24) to 792.11, marking an increase of 138.30.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 792.11. It has increased from 653.81 (Mar 24) to 792.11, marking an increase of 138.30.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 110.38. This value is within the healthy range. It has increased from 90.43 (Mar 24) to 110.38, marking an increase of 19.95.
- For Net Profit Margin (%), as of Mar 25, the value is 33.41. This value exceeds the healthy maximum of 10. It has increased from 31.96 (Mar 24) to 33.41, marking an increase of 1.45.
- For Return On Assets (%), as of Mar 25, the value is 2.51. This value is below the healthy minimum of 5. It has increased from 2.37 (Mar 24) to 2.51, marking an increase of 0.14.
- For Retention Ratios (%), as of Mar 25, the value is 98.20. This value exceeds the healthy maximum of 70. It has increased from 98.15 (Mar 24) to 98.20, marking an increase of 0.05.
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 Kotak Mahindra Bank Ltd:
- Net Profit Margin: 33.41%
- 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: 21.6 (Industry average Stock P/E: 17.67)
- 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: 33.41%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 27 BKC, C-27, G-Block, Bandra Kurla Complex, Mumbai Maharashtra 400051 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. C S Rajan | Part Time Chairman & Non-Exe. Ind. Director |
| Mr. Ashok Vaswani | Managing Director & CEO |
| Ms. Shanti Ekambaram | Deputy Managing Director |
| Mr. Amit Desai | Non Executive Director |
| Mr. Jaideep Hansraj | Whole Time Executive Director |
| Mr. Uday Kotak | Non Executive Director |
| Ms. Ashu Suyash | Independent Director |
| Mr. Uday Shankar | Independent Director |
| Dr. Ashok Gulati | Independent Director |
| Mr. Ketaki Bhagwati | Independent Director |
| Mr. Eli Leenaars | Independent Director |
FAQ
What is the intrinsic value of Kotak Mahindra Bank Ltd?
Kotak Mahindra Bank Ltd's intrinsic value (as of 31 January 2026) is ₹490.47 which is 20.21% higher the current market price of ₹408.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹4,05,810 Cr. market cap, FY2025-2026 high/low of ₹460/374, reserves of ₹166,941 Cr, and liabilities of ₹912,952 Cr.
What is the Market Cap of Kotak Mahindra Bank Ltd?
The Market Cap of Kotak Mahindra Bank Ltd is 4,05,810 Cr..
What is the current Stock Price of Kotak Mahindra Bank Ltd as on 31 January 2026?
The current stock price of Kotak Mahindra Bank Ltd as on 31 January 2026 is ₹408.
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 ₹460/374.
What is the Stock P/E of Kotak Mahindra Bank Ltd?
The Stock P/E of Kotak Mahindra Bank Ltd is 21.6.
What is the Book Value of Kotak Mahindra Bank Ltd?
The Book Value of Kotak Mahindra Bank Ltd is 169.
What is the Dividend Yield of Kotak Mahindra Bank Ltd?
The Dividend Yield of Kotak Mahindra Bank Ltd is 0.12 %.
What is the ROCE of Kotak Mahindra Bank Ltd?
The ROCE of Kotak Mahindra Bank Ltd is 8.17 %.
What is the ROE of Kotak Mahindra Bank Ltd?
The ROE of Kotak Mahindra Bank Ltd is 15.4 %.
What is the Face Value of Kotak Mahindra Bank Ltd?
The Face Value of Kotak Mahindra Bank Ltd is 1.00.