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Fincash » Search » IndusInd Bank Ltd

IndusInd Bank Ltd

Updated on March 19, 2019

Stock/Share Code - INDUSINDBK

IndusInd Bank is engaged in banking and para-banking services. The Bank is involved in accepting deposits, such as savings accounts, current accounts and fixed deposits, and banking solutions. The Bank is engaged in granting loans to various segments, such as industries and businesses, and retail loans; financing a range of vehicles or equipment to individuals, and priority sector lending.

Below is the details of INDUSINDBK IndusInd Bank Ltd

Market Cap₹88,821 Cr.
Current Price ₹1,683.55 as on 25 Mar 19
52 Week High / Low Price₹2,037.9 / ₹1,333.9
Face Value₹10
Stock P/E22.81
Book Value₹389.37
Dividend Yield0.51 %
ROCE7.97 %
ROE16.47 %
Sales Growth (3yrs)21.26 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has good consistent profit growth of 27.81% over 5 years
Cons: Stock is trading at 3.79 times its book value Company has low interest coverage ratio. Promoter holding is low: 14.98% Contingent liabilities of Rs.699514.64 Cr. Promoters have pledged 26.38% of their holding Earnings include an other income of Rs.5296.24 Cr.

IndusInd Bank Ltd Price Chart

IndusInd Bank Ltd Price Chart

IndusInd Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹2,281.3 28.29 ₹565,498.26 Cr. 0.60 ₹5,585.85 Cr. 20.32 25.80 25890.26 7.32
2. Kotak Mah. Bank ₹1,308.65 33.66 ₹231,463.61 Cr. 0.06 ₹1,844.01 Cr. 20.70 21.18 7744.58 7.93
3. Yes Bank ₹247.25 12.14 ₹53,484.09 Cr. 1.16 ₹1,001.85 Cr. -6.97 56.97 7958.94 7.42
4. IndusInd Bank 22.81 ₹88,820.53 Cr. 0.51 ₹985.03 Cr. 5.21 34.45 5763.47 7.97
5. ICICI Bank ₹383.5 66.08 ₹225,611.94 Cr. 0.43 ₹1,604.91 Cr. -2.75 19.14 16280.40 4.98
6. Bandhan Bank ₹487.85 33.92 ₹57,272.56 Cr. 0.21 ₹331.27 Cr. 10.40 40.00 1649.55 10.59
7. Federal Bank ₹88.8 16.52 ₹16,638.02 Cr. 1.19 ₹333.63 Cr. 28.31 18.12 2954.41 6.05

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IndusInd Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue3,2073,3913,4863,6993,8304,1364,2084,2874,6505,0685,4385,763
Interest1,9392,0342,0252,1212,1632,3612,3872,3922,6432,9463,2353,475
Expenses1,2431,3261,3631,4491,7371,6631,6691,6531,7821,8632,1182,247
Employee Cost %10.49%10.53%10.78%10.65%10.3%10.21%10.58%10.73%9.75%9.12%8.43%7.84%
Financing Profit253097130-691111522422252608541
Financing Margin %1%1%3%4%-2%3%4%6%5%5%2%1%
Other Income9139739701,0171,2111,1671,1881,1871,2091,3021,3171,469
Depreciation000000000000
Profit before tax9381,0031,0681,1461,1421,2791,3401,4291,4341,5611,4021,510
Tax %34%34%34%35%34%35%34%34%34%34%34%35%
Net Profit6206617047517528378809369531,036920985
Gross NPA %0.87%0.91%0.90%0.94%0.93%1.09%1.08%1.16%1.17%1.15%1.09%1.13%
Net NPA %0.36%0.38%0.37%0.39%0.39%0.44%0.44%0.46%0.51%0.51%0.48%0.59%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue1,5001,8812,3092,7073,5895,3596,9838,2549,69211,87214,40617,28120,920
Interest1,2291,5801,8501,8212,2133,6554,7505,3636,2727,3558,3439,78312,298
Expenses4184446478281,1471,4491,9472,5553,1314,1885,6846,5558,010
Manufacturing Cost %1.6%1.64%1.81%1.77%1.46%1.4%1.38%1.52%1.7%1.7%1.77%1.98%%
Employee Cost %6.42%6.48%8.1%10.73%10.66%9.06%9.47%9.81%10.12%10.41%10.56%10.3%%
Other Cost %19.85%15.5%18.11%18.09%19.85%16.58%17.02%19.63%20.49%23.16%27.13%25.65%%
Financing Profit-147-143-18858229255286335289329379942611
Financing Margin %-10%-8%-8%2%6%5%4%4%3%3%3%5%3%
Other Income2882984595197111,0121,3631,8912,5463,2974,1714,7505,296
Depreciation34404445617573981271571912120
Profit before tax1071142275338791,1921,5762,1282,7093,4694,3605,4815,907
Tax %36%34%35%34%34%33%33%34%34%34%34%34%
Net Profit68751483505778031,0611,4081,7942,2862,8683,6063,894
EPS in Rs2.032.243.968.2312.0716.8019.7826.1933.0638.4347.9560.08
Dividend Payout %28%26%29%21%16%13%15%13%12%12%13%12%

Compounded Sales Growth

  • 10 Years:: 24.83%
  • 5 Years:: 19.87%
  • 3 Years:: 21.26%
  • TTM:: 27.09%

Compounded Profit Growth

  • 10 Years:: 47.18%
  • 5 Years:: 27.81%
  • 3 Years:: 26.12%
  • TTM:: 14.38%

Return on Equity

  • 10 Years:: 16.96%
  • 5 Years:: 16.63%
  • 3 Years:: 16.08%
  • TTM:: 16.47%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital320320355411466468523526529595598600
Equity Capital320320355.19410.65465.97467.7522.87525.64529.45594.99598.15600.22
Reserves7377901,0741,7533,3514,0446,8848,1099,71016,70619,65822,865
Borrowings18,23720,13324,92731,64439,89151,04463,57675,26494,752117,996149,026189,928
Other Liabilities1,6782,0771,2591,6221,9832,1182,4413,2916,9977,7709,5778,503
Total Liabilities20,97223,31927,61535,43045,69157,67273,42487,190111,988143,068178,860221,896
Fixed Assets3616166096275726147419911,1201,2181,3071,313
Gross Block675.08969.931006.651054.02971.251082.812751605.181828.342055.652321.962520.74
Accumulated Depreciation314.29354.41397.41427.02399.2468.7534.4613.93708.78837.81015.161207.43
CWIP91014182443162538372825
Investments5,8926,6308,08310,40213,55114,57219,65421,56322,87834,05436,70250,077
Other Assets14,71116,06418,90824,38331,54342,44453,01464,61087,953107,758140,822170,480
Cash Equivalents2595.42178.031923.72603.184024.65539.626848.736769.4410779.1410111.8718628.2513215.88
Loans n Advances1030.991091.141213.751229.611353.051840.161844.862738.988385.259227.19113.5612310.68
Total Assets20,97223,31927,61535,43045,69157,67273,42487,190111,988143,068178,860221,896

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity884-327-39086609-840-486-4,106-1,421-2,92711,569-20,700
Profit from operations263.57257.75492.93836.631263.512036.812645.273700.793261.594329.55720.377040.28
Working Capital Changes655.38-519.6-815.56-593.25-342.46-2561.22-2567.95-7027.31-3560.64-5907.597733.71-25765.27
Taxes paid-34.94-65.26-67.22-157.82-311.95-315.97-563.08-779.24-1122.01-1348.84-1884.78-1975.45
Cash from Investing Activity-65-41-49-75-21-141-174-174-276-258-285-217
Fixed Assets Purchased-65.4-56.98-51.05-78.51-101.87-150.31-184.39-177.06-278.63-269.02-287.19-235.79
Fixed Assets Sold0.7215.752.063.9480.559.5910.413.362.4711.5113.5516.24
Cash from Financing Activity296-491846688342,4961,9694,2005,7072,517-2,76815,505
Proceeds from Shares145.960222.19471.631184.5111.512018.0335.1666.255125.21596.62101.97
Proceeds from Borrowings000003156.59827.5400000
Interest Paid-57.29-76.58-77.27-82.75-112.64-578.64-723.58-980.410000
Dividends Paid0-22.45-24.92-73.88-93.23-93.34-103.14-156.98-215.43-284.83-322.71-432.24
Net Cash Flow1,115-417-2546791,4211,5151,309-794,010-6678,516-5,412

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %9%7%13%21%19%19%18%18%19%17%15%16%

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Disclaimer:
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