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Kotak Mahindra Bank Ltd

Updated on March 26, 2020

Stock/Share Code - KOTAKBANK

Kotak Mahindra Bank provides a full suite of banking services to its customers encompassing Retail Banking, Treasury and Corporate Banking in India and also has a representative office in Dubai.(Source : 201903 Annual Report Page No: 218)

Below is the details of KOTAKBANK Kotak Mahindra Bank Ltd

Market Cap₹308,574 Cr.
Current Price ₹1,662.4 as on 10 Dec 19
52 Week High / Low Price₹1,683.95 / ₹1,171
Face Value₹5
Stock P/E53.35
Book Value₹224.55
Dividend Yield0.05 %
ROCE7.21 %
ROE12.07 %
Sales Growth (3yrs)13.48 %
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has good consistent profit growth of 26.44% over 5 years
Cons: Stock is trading at 7.19 times its book value Company has low interest coverage ratio. Promoter's stake has decreased Promoter holding is low: 29.97% Company has a low return on equity of 12.49% for last 3 years. Contingent liabilities of Rs.243798.17 Cr. Company might be capitalizing the interest cost

Kotak Mahindra Bank Ltd Price Chart

Kotak Mahindra Bank Ltd Price Chart

Kotak Mahindra 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 ₹1,249.5 28.48 ₹698,110.04 Cr. 0.59 ₹6,638.03 Cr. 24.72 16.78 30016.88 7.69
2. ICICI Bank ₹528.7 49.55 ₹331,431.82 Cr. 0.19 ₹1,131.2 Cr. -6.09 22.54 21106.28 4.82
3. Kotak Mah. Bank 53.35 ₹308,573.58 Cr. 0.05 ₹1,724.48 Cr. 51.05 16.62 6761.60 7.21
4. Axis Bank ₹715.7 44.53 ₹208,369.08 Cr. 0.12 -₹21.58 Cr. -102.46 16.08 15712.66 5.70
5. IndusInd Bank ₹1,411.6 26.13 ₹108,745.93 Cr. 0.42 ₹1,383.37 Cr. 50.33 31.49 7150.36 7.62
6. Bandhan Bank ₹521.05 33.93 ₹93,577.04 Cr. ₹971.8 Cr. 99.28 67.55 2690.27 10.48
7. IDBI Bank ₹33.55 ₹39,186.74 Cr. 0.00 -₹3,448.88 Cr. 3.48 -2.96 5205.59 0.38
8. AU Small Finance ₹797.75 41.99 ₹24,177.92 Cr. 0.09 ₹171.94 Cr. 88.08 51.22 1033.43 8.97

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Kotak Mahindra 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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Employee Cost %15.61%15.36%15.17%15.19%14.66%14.4%13.15%12.85%13.39%13.38%13.6%13.53%
Financing Profit4254324855545675593985231,007841765876
Financing Margin %10%10%10%12%11%11%7%9%16%13%12%13%
Other Income9101,0039079541,0401,1521,1651,2189641,2701,3171,224
Profit before tax1,3361,4351,3921,5081,6071,7111,5631,7411,9712,1112,0822,101
Tax %34%32%34%34%34%34%34%34%34%33%35%18%
Net Profit8809769139941,0531,1241,0251,1421,2911,4081,3601,724
EPS in Rs4.795.314.885.225.535.905.385.996.777.387.139.03
Gross NPA %2.42%2.59%2.58%2.47%2.31%2.22%2.17%2.15%2.07%2.14%2.19%2.32%
Net NPA %1.07%1.26%1.25%1.26%1.09%0.98%0.86%0.81%0.71%0.75%0.73%0.85%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Manufacturing Cost %1.83%1.82%1.87%1.87%1.55%1.51%1.66%1.91%1.75%1.92%1.94%1.67%%
Employee Cost %20.48%19.04%17.92%18.71%14.6%13.37%13.37%15.09%17.19%15.64%14.94%13.3%%
Other Cost %32.06%31.22%28.81%17.42%12.54%13.24%15.57%16.19%18.29%17.27%18.89%18.91%%
Financing Profit-152-782765057399441,0389977991,9622,4693,1493,489
Financing Margin %-6%-3%8%12%12%12%12%10%5%11%12%13%13%
Other Income6015736257819771,1611,4002,0282,6123,4774,0524,6044,775
Profit before tax3984268111,1881,6001,9722,2722,8333,1245,1486,2187,3868,264
Tax %26%35%31%31%32%31%34%34%33%34%34%34%
Net Profit2942765618181,0851,3611,5031,8662,0903,4124,0844,8655,783
EPS in Rs2.101.985.527.279.079.7011.9911.2918.5321.4325.4930.31
Dividend Payout %9%9%5%4%4%4%4%4%4%3%3%3%

Compounded Sales Growth

  • 10 Years:: 22.82%
  • 5 Years:: 22.25%
  • 3 Years:: 13.48%
  • TTM:: 20.51%

Compounded Profit Growth

  • 10 Years:: 33.20%
  • 5 Years:: 26.44%
  • 3 Years:: 32.46%
  • TTM:: 33.14%

Return on Equity

  • 10 Years:: 23.14%
  • 5 Years:: 21.59%
  • 3 Years:: 29.43%
  • 1 Year:: 30.90%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital3453463483683703733853869179209531,454
Preference Capital00000000000500
Equity Capital344.67345.67348.14368.44370.34373.3385.16386.18917.19920.45952.82954.38
Other Liabilities3,1792,5202,9243,0692,5892,8073,3424,9258,8088,5989,79811,806
Total Liabilities28,31528,71237,43650,85165,66783,69487,585106,076192,386214,736265,077312,333
Fixed Assets2102134284264504641,1071,2071,5521,5381,5271,652
Gross Block391.42460.61745.34831.8955.411090.051877.512145.813455.853692.743728.043636.53
Accumulated Depreciation181.17247.25317.69406.19505.44625.63770.57939.111904.262155.112200.881984.98
Other Assets18,96319,38824,49633,30443,65054,35660,99476,210139,574168,124198,987239,492
Cash Equivalents2122.671140.672300.262470.982634.553689.165979.896262.3610879.7222572.0119620.1124675.54
Loans n Advances1288.181622.331420.691503.331936.232197.691986.333787.1710028.949469.949649.149121.7
Other Assets etc15552.2216625.3420775.0529329.3139079.2348468.9953027.6366160.71118665.29136082.13169717.92205694.8
Total Assets28,31528,71237,43650,85165,66783,69487,585106,076192,386214,736265,077312,333

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-667-1,3461,573-1,474-3,923-1,4059,0024,4636,13414,412-10,275-3,388
Profit from operations888.29990.51733.681776.081860.652364.72802.943246.064466.546488.047688.938921.17
Working Capital Changes-1379.93-2150.87136.93-2903.33-5293.91-3163.326824.712130.152923.979355.53-15872.76-9864.7
Taxes paid-175.38-185.18-298.05-347.22-489.66-606.84-626.02-913.02-1256.78-1431.65-2091.09-2444.19
Cash from Investing Activity-181-95-276-79-842-1,478-549-3,454-52-2,976-2,514810
Fixed Assets Purchased-121.27-75.53-309.59-99.24-154.97-184.44-391.65-223-249.05-320.03-343.13-420.07
Fixed Assets Sold2.373.142.353.043.284.546.419.8511.3419.4656.3829.97
Investments purchased0000-700.01-1252.1-91.92-3167.98-5910.82-2585.79-631.530
Investments sold0036.630000.2100001208.77
Cash from Financing Activity1,690477-1371,7244,9283,938-6,162-727-1,4642579,8377,633
Proceeds from Shares1628.279.0373.871498.350173.3087.88363.91246.375953.18223.59
Proceeds from Borrowings00002909.714063.69000000
Repayment of Borrowings0000000-757.490000
Interest Paid-59.68-229.01-214.34-245.2100000000
Dividends Paid-26.73-27.73-28.39-29.63-41.27-50.18-61.66-68.95-98.1-109.78-135.92-183.96
Net Cash Flow842-9641,1601711641,0552,2912824,61711,692-2,9525,055

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Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %11%7%14%14%15%16%14%14%11%13%12%12%

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