Share Price and Basic Stock Data
Last Updated: October 27, 2025, 7:06 pm
| PEG Ratio | 2.40 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Kotak Mahindra Bank Ltd, a prominent player in the private sector banking space, reported a share price of ₹2,197 with a market capitalization of ₹4,36,902 Cr. The bank has demonstrated robust revenue growth, with total revenue increasing from ₹33,741 Cr in FY 2022 to ₹42,151 Cr in FY 2023, and further projected to reach ₹56,237 Cr in FY 2024. This upward trend continued, culminating in a trailing twelve months (TTM) revenue of ₹67,080 Cr. The quarterly revenue figures indicate a consistent rise, with the bank achieving ₹12,869 Cr in Jun 2023 and ₹13,717 Cr in Sep 2023, reflecting a steady demand for banking services. The bank’s interest income also rose significantly, from ₹14,411 Cr in FY 2023 to ₹22,567 Cr in FY 2024, underscoring its growing lending portfolio. Overall, Kotak Mahindra Bank’s revenue trajectory showcases its competitive positioning in the Indian banking sector.
Profitability and Efficiency Metrics
In terms of profitability, Kotak Mahindra Bank recorded a net profit of ₹22,126 Cr for FY 2025, a notable increase from ₹14,925 Cr in FY 2023. The bank’s net profit margin stood at 33.41% for FY 2025, slightly higher than the previous year’s 31.96%, indicating improved operational efficiency. The Return on Equity (ROE) was reported at 15.4%, consistent with the bank’s historical performance, while Return on Capital Employed (ROCE) stood at 8.17%. However, the financing profit figures revealed challenges, with a negative financing profit margin of -18% for FY 2025, reflecting pressures on the bank’s lending operations. The bank’s quarterly net profit figures also fluctuated, with ₹4,472 Cr reported in Jun 2025 compared to ₹5,337 Cr in Mar 2024, indicating variability in performance. Overall, while profitability metrics remain strong, the bank faces challenges in maintaining financing margins.
Balance Sheet Strength and Financial Ratios
Kotak Mahindra Bank’s balance sheet reflects a solid financial foundation, with total assets reaching ₹879,774 Cr as of FY 2025. The bank’s reserves have grown significantly, reaching ₹156,495 Cr, providing a cushion for potential downturns. The bank reported a gross non-performing assets (NPA) ratio of 1.45% and a net NPA ratio of 0.36% as of Mar 2025, both of which are below industry averages, indicating effective asset quality management. The bank’s equity capital stood at ₹994 Cr, with a book value per share of ₹792.11, reflecting a strong capital base. Key financial ratios demonstrate efficiency, with a cost-to-income ratio of 58.22% for FY 2025, which is competitive relative to sector standards. Overall, Kotak Mahindra Bank’s balance sheet strength and financial ratios underscore its resilience and capacity for growth.
Shareholding Pattern and Investor Confidence
The shareholding structure of Kotak Mahindra Bank illustrates a diverse ownership base. Promoters hold 25.87% of the bank, while Foreign Institutional Investors (FIIs) account for 29.75%, and Domestic Institutional Investors (DIIs) hold 32.02%. This distribution indicates strong institutional backing, which is crucial for maintaining investor confidence. The number of shareholders reached 691,413 as of Mar 2025, reflecting growing public interest in the bank’s equity. However, the declining trend in FIIs from 40.90% in Dec 2022 to 29.75% in Mar 2025 raises some concerns regarding foreign investor sentiment. Despite this, the stability in DII holdings suggests confidence among domestic investors. Overall, the shareholding pattern reflects a balanced approach, which could be advantageous for the bank’s strategic initiatives.
Outlook, Risks, and Final Insight
Kotak Mahindra Bank has positioned itself well in the competitive Indian banking landscape, with strong revenue growth and solid profitability metrics. However, potential risks include the volatility in financing profit margins, which could affect overall profitability if not managed effectively. Additionally, the decline in foreign institutional investments may pose challenges to stock performance in the short term. Nonetheless, the bank’s robust balance sheet and strong asset quality provide a buffer against economic fluctuations. The outlook remains positive, contingent on maintaining operational efficiencies and enhancing lending margins. Strategic initiatives aimed at diversifying revenue streams and improving customer engagement could further bolster growth. Overall, Kotak Mahindra Bank is well-placed to navigate the evolving market landscape, provided it addresses the highlighted risks effectively.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 2,639 Cr. | 318 | 396/180 | 30.7 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,522 Cr. | 29.5 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,294 Cr. | 285 | 331/250 | 9.68 | 304 | 1.40 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,409 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,470 Cr. | 54.0 | 54.4/30.8 | 25.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,954.22 Cr | 414.91 | 17.95 | 238.44 | 0.60% | 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 | 9,164 | 9,994 | 11,011 | 11,982 | 12,869 | 13,717 | 14,495 | 15,156 | 15,837 | 16,427 | 16,633 | 16,772 | 17,248 |
| Interest | 3,004 | 3,375 | 3,802 | 4,230 | 4,834 | 5,536 | 5,985 | 6,212 | 6,805 | 7,139 | 7,171 | 7,160 | 7,529 |
| Expenses | 4,879 | 9,313 | 9,345 | 10,548 | 10,303 | 10,136 | 12,484 | 14,920 | 12,263 | 13,094 | 10,595 | 13,664 | 13,121 |
| Financing Profit | 1,281 | -2,694 | -2,136 | -2,796 | -2,269 | -1,955 | -3,975 | -5,976 | -3,231 | -3,806 | -1,133 | -4,051 | -3,402 |
| Financing Margin % | 14% | -27% | -19% | -23% | -18% | -14% | -27% | -39% | -20% | -23% | -7% | -24% | -20% |
| Other Income | 2,405 | 7,441 | 7,360 | 8,785 | 7,855 | 7,843 | 9,588 | 12,751 | 13,042 | 10,453 | 7,313 | 10,402 | 9,456 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 3,686 | 4,747 | 5,224 | 5,989 | 5,586 | 5,888 | 5,614 | 6,775 | 9,811 | 6,647 | 6,180 | 6,351 | 6,053 |
| Tax % | 26% | 25% | 24% | 24% | 26% | 25% | 25% | 23% | 25% | 25% | 25% | 23% | 27% |
| Net Profit | 2,755 | 3,608 | 3,995 | 4,566 | 4,150 | 4,461 | 4,265 | 5,337 | 7,448 | 5,044 | 4,701 | 4,933 | 4,472 |
| EPS in Rs | 13.88 | 18.17 | 20.12 | 22.99 | 20.88 | 22.45 | 21.46 | 26.85 | 37.47 | 25.37 | 23.64 | 24.81 | 22.49 |
| Gross NPA % | 2.27% | 2.09% | 1.91% | 1.76% | 1.75% | 1.69% | 1.68% | 1.38% | 1.39% | 1.48% | 1.51% | 1.45% | |
| Net NPA % | 0.69% | 0.60% | 0.48% | 0.41% | 0.43% | 0.39% | 0.36% | 0.36% | 0.38% | 0.45% | 0.44% | 0.36% |
Last Updated: August 1, 2025, 6:15 pm
Below is a detailed analysis of the quarterly data for Kotak Mahindra 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 7,529.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,160.00 Cr. (Mar 2025) to 7,529.00 Cr., marking an increase of 369.00 Cr..
- For Expenses, as of Jun 2025, the value is 13,121.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 13,664.00 Cr. (Mar 2025) to 13,121.00 Cr., marking a decrease of 543.00 Cr..
- For Other Income, as of Jun 2025, the value is 9,456.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10,402.00 Cr. (Mar 2025) to 9,456.00 Cr., marking a decrease of 946.00 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 6,053.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,351.00 Cr. (Mar 2025) to 6,053.00 Cr., marking a decrease of 298.00 Cr..
- For Tax %, as of Jun 2025, the value is 27.00%. The value appears to be increasing, which may not be favorable. It has increased from 23.00% (Mar 2025) to 27.00%, marking an increase of 4.00%.
- For Net Profit, as of Jun 2025, the value is 4,472.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,933.00 Cr. (Mar 2025) to 4,472.00 Cr., marking a decrease of 461.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 22.49. The value appears to be declining and may need further review. It has decreased from 24.81 (Mar 2025) to 22.49, marking a decrease of 2.32.
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, 4:59 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 | 67,080 |
| 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 | 28,999 |
| 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 | 50,474 |
| 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 | -12,392 |
| Financing Margin % | -12% | -25% | -11% | -18% | -16% | -17% | -15% | -30% | -25% | -14% | -24% | -18% | -18% |
| 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 | 37,624 |
| 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 | 25,231 |
| 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 | 19,150 |
| 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 | 96.31 |
| 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: October 10, 2025, 2:24 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 385 | 386 | 917 | 920 | 953 | 954 | 957 | 991 | 992 | 993 | 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Kotak Mahindra Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 156,495.00 Cr.. The value appears strong and on an upward trend. It has increased from 128,978.00 Cr. (Mar 2024) to 156,495.00 Cr., marking an increase of 27,517.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 129,955.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 117,321.00 Cr. (Mar 2024) to 129,955.00 Cr., marking an increase of 12,634.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 879,774.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 767,667.00 Cr. (Mar 2024) to 879,774.00 Cr., marking an increase of 112,107.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 3,759.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,510.00 Cr. (Mar 2024) to 3,759.00 Cr., marking an increase of 249.00 Cr..
- For CWIP, as of Mar 2025, 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 Mar 2025, the value is 284,255.00 Cr.. The value appears strong and on an upward trend. It has increased from 246,446.00 Cr. (Mar 2024) to 284,255.00 Cr., marking an increase of 37,809.00 Cr..
- For Other Assets, as of Mar 2025, the value is 591,761.00 Cr.. The value appears strong and on an upward trend. It has increased from 517,711.00 Cr. (Mar 2024) to 591,761.00 Cr., marking an increase of 74,050.00 Cr..
- For Total Assets, as of Mar 2025, the value is 879,774.00 Cr.. The value appears strong and on an upward trend. It has increased from 767,667.00 Cr. (Mar 2024) to 879,774.00 Cr., marking an increase of 112,107.00 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 | -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 |
|---|---|---|---|---|---|---|
| SBI Nifty 50 ETF | 27,294,771 | 3.05 | 4747.65 | 27,294,771 | 2025-04-22 17:25:28 | 0% |
| SBI S&P BSE Sensex ETF | 18,705,792 | 3.42 | 3253.22 | 18,705,792 | 2025-04-22 17:25:28 | 0% |
| Mirae Asset Large Cap Fund | 5,520,684 | 2.79 | 960.27 | 5,520,684 | 2025-04-22 17:25:28 | 0% |
| UTI Flexi Cap Fund | 5,167,851 | 3.69 | 898.9 | 5,167,851 | 2025-04-22 17:25:28 | 0% |
| Axis ELSS Tax Saver Fund | 4,834,650 | 2.7 | 840.94 | 4,834,650 | 2025-04-22 17:25:28 | 0% |
| ICICI Prudential Balanced Advantage Fund | 4,472,199 | 1.56 | 777.89 | 4,472,199 | 2025-04-22 17:25:28 | 0% |
| SBI Blue Chip Fund | 4,390,470 | 1.98 | 763.68 | 4,390,470 | 2025-04-22 17:25:28 | 0% |
| SBI Flexi Cap Fund | 4,314,000 | 4.27 | 750.38 | 4,314,000 | 2025-04-22 17:25:28 | 0% |
| HDFC Top 100 Fund - Regular Plan | 4,128,335 | 2.79 | 718.08 | 4,128,335 | 2025-04-22 12:29:18 | 0% |
| Axis Bluechip Fund | 3,592,000 | 2.03 | 624.79 | 3,592,000 | 2025-04-22 11:41:35 | 0% |
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
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:
- 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: 23 (Industry average Stock P/E: 17.95)
- 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 | investor.grievances@kotak.com http://www.kotak.com |
| 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 27 October 2025) is 2394.43 which is 11.42% higher the current market price of 2,149.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 4,27,306 Cr. market cap, FY2025-2026 high/low of 2,302/1,679, reserves of ₹156,495 Cr, and liabilities of 879,774 Cr.
What is the Market Cap of Kotak Mahindra Bank Ltd?
The Market Cap of Kotak Mahindra Bank Ltd is 4,27,306 Cr..
What is the current Stock Price of Kotak Mahindra Bank Ltd as on 27 October 2025?
The current stock price of Kotak Mahindra Bank Ltd as on 27 October 2025 is 2,149.
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 2,302/1,679.
What is the Stock P/E of Kotak Mahindra Bank Ltd?
The Stock P/E of Kotak Mahindra Bank Ltd is 23.0.
What is the Book Value of Kotak Mahindra Bank Ltd?
The Book Value of Kotak Mahindra Bank Ltd is 844.
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 5.00.