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Kotak Mahindra Bank Ltd

Updated on October 16, 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₹277,327 Cr.
Current Price ₹1,393.3 as on 21 Oct 20
52 Week High / Low Price₹1,740 / ₹1,000.35
Face Value₹5
Stock P/E47.56
Book Value₹247.68
Dividend Yield0.06 %
ROCE6.52 %
ROE12.90 %
Sales Growth (3yrs)15.02 %
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has delivered good profit growth of 26.12% CAGR over last 5 years
Cons: Stock is trading at 5.66 times its book value Company has low interest coverage ratio. Promoter holding has decreased by -3.85% over last quarter Promoter holding is low: 26.07% Company has a low return on equity of 12.50% for last 3 years. Contingent liabilities of Rs.226696.33 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 ₹1,246.7 21.54 ₹614,066.43 Cr. 0.67 ₹6,927.24 Cr. 22.04 10.88 32351.61 7.31
2. Kotak Mah. Bank 47.56 ₹277,327.41 Cr. 0.06 ₹1,244.45 Cr. -8.51 4.29 6911.86 6.52
3. ICICI Bank ₹420.3 26.75 ₹272,103.11 Cr. 0.25 ₹3,117.68 Cr. 24.03 10.10 22422.71 5.90
4. Axis Bank ₹501.45 89.88 ₹152,009.25 Cr. 0.20 ₹1,099.52 Cr. -12.83 8.14 16799.19 5.55
5. Bandhan Bank ₹316.05 17.78 ₹49,244.35 Cr. 0.98 ₹549.82 Cr. -31.58 14.70 3018.09 12.00
6. IndusInd Bank ₹628.1 12.68 ₹43,708.53 Cr. 1.19 ₹460.64 Cr. -67.84 2.88 7161.73 8.50
7. IDBI Bank ₹37.6 ₹40,743.83 Cr. 0.00 ₹159.14 Cr. 104.16 -3.80 4903.80 0.33
8. Yes Bank ₹12.95 ₹35,953.79 Cr. 13.92 ₹34.05 Cr. -64.37 -29.78 5486.01 -0.52

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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

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Expenses -1,7581,8262,0202,1852,1531,9322,2072,3962,4732,8273,3712,836
Employee Cost %15.19%14.66%14.40%13.15%12.85%13.42%13.41%13.60%13.53%16.21%14.25%13.18%
Financing Profit554567559398523994829765876603188888
Financing Margin %12%11%11%7%9%16%13%12%13%9%3%13%
Other Income9541,0401,1521,1651,2189771,2821,3171,2241,3411,489774
Profit before tax1,5081,6071,7111,5631,7411,9712,1112,0822,1011,9441,6781,662
Tax %34%34%34%34%34%34%33%35%18%18%25%25%
Net Profit9941,0531,1241,0251,1421,2911,4081,3601,7241,5961,2671,244
EPS in Rs5.226.535.905.385.996.777.
Gross NPA %2.47%2.31%2.22%2.17%2.15%2.07%2.14%2.19%2.32%2.46%2.25%2.70%
Net NPA %1.26%1.09%0.98%0.86%0.81%0.71%0.75%0.73%0.85%0.89%0.71%0.87%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Expenses -1,5961,5821,5921,7732,2622,6823,2266,1026,1657,0638,11010,69511,507
Manufacturing Cost %1.82%1.87%1.87%1.55%1.51%1.66%1.91%1.75%1.92%1.94%1.67%1.65%
Employee Cost %19.05%17.93%18.71%14.60%13.37%13.37%15.10%17.20%15.65%14.95%13.33%14.53%
Other Cost %31.21%28.81%17.42%12.54%13.24%15.56%16.18%18.29%17.26%18.88%18.94%23.54%
Financing Profit-782765057399441,0389977991,9622,4693,0962,8052,555
Financing Margin %-3%8%12%12%12%12%10%5%11%12%13%10%9%
Other Income5736257819771,1611,4002,0282,6123,4774,0524,6575,3724,829
Profit before tax4268111,1881,6001,9722,2722,8333,1245,1486,2187,3867,8057,384
Tax %35%31%31%32%31%34%34%33%34%34%34%24%
Net Profit2765618181,0851,3611,5031,8662,0903,4124,0844,8655,9475,831
EPS in Rs1.984.045.527.279.079.7011.9911.2918.5321.4325.4931.0930.18
Dividend Payout %9%5%4%4%4%4%4%4%3%3%3%0%

Compounded Sales Growth

  • 10 Years:: 23.53%
  • 5 Years:: 22.61%
  • 3 Years:: 15.02%
  • TTM:: 8.62%

Compounded Profit Growth

  • 10 Years:: 26.54%
  • 5 Years:: 26.12%
  • 3 Years:: 20.31%
  • TTM:: 12.13%

Return on Equity

  • 10 Years:: 21.08%
  • 5 Years:: 17.46%
  • 3 Years:: 12.21%
  • 1 Year:: -2.05%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -3463483683703733853869179209531,4541,457
Preference Capital0000000000500500
Equity Capital346348368370373385386917920953954957
Other Liabilities -2,5202,9243,0692,5892,8073,3424,8618,6828,4539,65411,64510,923
Other liability items2,5202,9243,0692,5892,8073,3424,8618,6828,4539,65411,64510,923
Total Liabilities28,71237,43650,85165,66783,69487,585106,012192,260214,590264,933312,172360,252
Fixed Assets -2134284264504641,1071,2071,5521,5381,5271,6521,623
Gross Block4617458329551,0901,8782,1463,4563,6933,7283,6373,676
Accumulated Depreciation2473184065056267719391,9042,1552,2011,9852,053
Other Assets -19,38824,49633,30443,65054,35660,99476,146139,448167,978198,844239,331283,577
Cash Equivalents1,1412,3002,4712,6353,6895,9806,26210,88022,57219,62024,67653,292
Loans n Advances1,6221,4211,5031,9362,1981,9863,78710,0299,4709,6499,12210,672
Other asset items16,62520,77529,32939,07948,46953,02866,097118,539135,936169,575205,534219,612
Total Assets28,71237,43650,85165,66783,69487,585106,012192,260214,590264,933312,172360,252

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --1,3461,573-1,474-3,923-1,4059,0024,4636,13414,412-10,275-3,38830,159
Profit from operations9901,7341,7761,8612,3652,8033,2464,4676,4887,6898,92110,631
Loans Advances-1,326-4,618-8,655-9,799-9,553-4,691-13,327-12,889-18,031-34,261-36,821-15,459
Operating investments64-3,548-4,778-3,817-6,0583,318-983-3,6538,495-17,728-8,0252,926
Operating borrowings108-6255,082000000000
Other WC items-21868573-954-451546521,3681098991,744-2,878
Working capital changes-2,151137-2,903-5,294-3,1636,8252,1302,9249,356-15,873-9,86521,529
Direct taxes-185-298-347-490-607-626-913-1,257-1,432-2,091-2,444-2,001
Cash from Investing Activity --95-276-79-842-1,478-549-3,454-52-2,976-2,514810-7,426
Fixed assets purchased-76-310-99-155-184-392-223-249-320-343-420-347
Fixed assets sold323356201119563035
Investments purchased000-700-1,252-92-3,168-5,911-2,586-6320-7,111
Investments sold037000000001,2092
Dividends received3123010102154384552
Invest in subsidiaries-26-17-13-0-560000000
Investment in group cos00000-93-88-218-89-1,605-66-85
Other investing items00000006,311-411228
Cash from Financing Activity -477-1371,7244,9283,938-6,162-727-1,4642579,8377,6335,883
Proceeds from shares9741,49801730883642465,953224361
Proceeds from borrowings0002,9104,064000007,6946,909
Repayment of borrowings000000-757000-600-1,164
Interest paid fin-229-214-245000000000
Dividends paid-28-28-30-41-50-62-69-98-110-136-184-222
Other financing items724315012,060-249-6,10012-1,7301204,020499-0
Net Cash Flow-9641,1601711641,0552,2912824,61711,692-2,9525,05528,617

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Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %7%14%14%15%16%14%14%11%13%12%12%13%

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