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Kotak Mahindra Bank Ltd

Updated on July 6, 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₹234,250 Cr.
Current Price ₹1,349.35 as on 10 Jul 20
52 Week High / Low Price₹1,740 / ₹1,000.35
Face Value₹5
Stock P/E39.39
Book Value₹224.15
Dividend Yield0.07 %
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 5.46 times its book value Company has low interest coverage ratio. Promoter holding is low: 29.92% 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 Earnings include an other income of Rs.5372.11 Cr.

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 ₹1,105.1 19.16 ₹522,105.76 Cr. 0.79 ₹7,280.22 Cr. 15.54 13.37 31795.05 7.69
2. Kotak Mah. Bank 39.39 ₹234,249.66 Cr. 0.07 ₹1,266.6 Cr. -10.03 6.47 6804.68 7.21
3. ICICI Bank ₹104.6 22.47 ₹214,933.15 Cr. 0.30 ₹1,251.32 Cr. 6.92 11.47 21740.68 4.82
4. Axis Bank ₹439.6 58.62 ₹108,631.62 Cr. 0.26 -₹1,262.43 Cr. -175.54 9.33 16503.10 5.70
5. Bandhan Bank ₹373.95 11.62 ₹35,128.06 Cr. 1.38 ₹517.29 Cr. -20.52 55.32 2846.29 10.48
6. Yes Bank ₹25.55 ₹33,698.02 Cr. 7.45 ₹2,665.19 Cr. -140.76 -33.59 5217.44 6.67
7. IndusInd Bank ₹539.25 6.18 ₹27,301.98 Cr. 1.91 ₹301.84 Cr. -16.18 23.29 7386.57 7.62
8. IDBI Bank ₹43.7 ₹21,176.41 Cr. 0.00 ₹163.6 Cr. 103.37 2.44 5605.23 0.38

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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

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Expenses -1,7611,7581,8262,0202,1852,1531,9322,2072,3962,4732,8273,371
Employee Cost %15.17%15.19%14.66%14.40%13.15%12.85%13.42%13.41%13.60%13.53%16.21%14.25%
Financing Profit485554567559398523994829765876603188
Financing Margin %10%12%11%11%7%9%16%13%12%13%9%3%
Other Income9079541,0401,1521,1651,2189771,2821,3171,2241,3411,489
Profit before tax1,3921,5081,6071,7111,5631,7411,9712,1112,0822,1011,9441,678
Tax %34%34%34%34%34%34%34%33%35%18%18%25%
Net Profit9139941,0531,1241,0251,1421,2911,4081,3601,7241,5961,267
EPS in Rs4.885.226.535.905.385.996.777.
Gross NPA %2.58%2.47%2.31%2.22%2.17%2.15%2.07%2.14%2.19%2.32%2.46%2.25%
Net NPA %1.25%1.26%1.09%0.98%0.86%0.81%0.71%0.75%0.73%0.85%0.89%0.71%

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
Expenses -1,3781,5961,5821,5921,7732,2622,6823,2266,1026,1657,0638,11011,067
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 %20.49%19.05%17.93%18.71%14.60%13.37%13.37%15.10%17.20%15.65%14.95%13.30%
Other Cost %32.05%31.21%28.81%17.42%12.54%13.24%15.56%16.18%18.29%17.26%18.88%18.90%
Financing Profit-152-782765057399441,0389977991,9622,4693,1492,433
Financing Margin %-6%-3%8%12%12%12%12%10%5%11%12%13%9%
Other Income6015736257819771,1611,4002,0282,6123,4774,0524,6045,372
Profit before tax3984268111,1881,6001,9722,2722,8333,1245,1486,2187,3867,805
Tax %26%35%31%31%32%31%34%34%33%34%34%34%
Net Profit2942765618181,0851,3611,5031,8662,0903,4124,0844,8655,947
EPS in Rs2.101.985.527.279.079.7011.9911.2918.5321.4325.4930.88
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:: 12.65%

Compounded Profit Growth

  • 10 Years:: 33.20%
  • 5 Years:: 26.44%
  • 3 Years:: 32.46%
  • TTM:: 22.24%

Return on Equity

  • 10 Years:: 20.60%
  • 5 Years:: 12.71%
  • 3 Years:: 8.24%
  • 1 Year:: -19.59%

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 Capital -3453463483683703733853869179209531,454
Preference Capital00000000000500
Equity Capital345346348368370373385386917920953954
Other Liabilities -3,1762,5202,9243,0692,5892,8073,3424,8618,6828,4539,65411,645
Other liability items3,1762,5202,9243,0692,5892,8073,3424,8618,6828,4539,65411,645
Total Liabilities28,31228,71237,43650,85165,66783,69487,585106,012192,260214,590264,933312,172
Fixed Assets -2102134284264504641,1071,2071,5521,5381,5271,652
Gross Block3914617458329551,0901,8782,1463,4563,6933,7283,637
Accumulated Depreciation1812473184065056267719391,9042,1552,2011,985
Other Assets -18,96019,38824,49633,30443,65054,35660,99476,146139,448167,978198,844239,331
Cash Equivalents2,1231,1412,3002,4712,6353,6895,9806,26210,88022,57219,62024,676
Loans n Advances1,2881,6221,4211,5031,9362,1981,9863,78710,0299,4709,6499,122
Other asset items15,54916,62520,77529,32939,07948,46953,02866,097118,539135,936169,575205,534
Total Assets28,31228,71237,43650,85165,66783,69487,585106,012192,260214,590264,933312,172

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 operations8889901,7341,7761,8612,3652,8033,2464,4676,4887,6898,921
Loans Advances-4,772-1,326-4,618-8,655-9,799-9,553-4,691-13,327-12,889-18,031-34,261-36,821
Operating investments-2,30564-3,548-4,778-3,817-6,0583,318-983-3,6538,495-17,728-8,025
Operating borrowings20108-6255,08200000000
Direct taxes-175-185-298-347-490-607-626-913-1,257-1,432-2,091-2,444
Other operating items254-21868573-954-451546521,3681098991,744
Cash from Investing Activity --181-95-276-79-842-1,478-549-3,454-52-2,976-2,514810
Fixed assets purchased-121-76-310-99-155-184-392-223-249-320-343-420
Fixed assets sold23233562011195630
Investments purchased0000-700-1,252-92-3,168-5,911-2,586-6320
Investments sold0037000000001,209
Dividends received1231230101021543845
Invest in subsidiaries-74-26-17-13-0-56000000
Investment in group cos000000-93-88-218-89-1,605-66
Other investing items000000006,311-4112
Cash from Financing Activity -1,690477-1371,7244,9283,938-6,162-727-1,4642579,8377,633
Proceeds from shares1,6289741,49801730883642465,953224
Proceeds from borrowings00002,9104,064000000
Repayment of borrowings0000000-7570000
Interest paid fin-60-229-214-24500000000
Dividends paid-27-28-28-30-41-50-62-69-98-110-136-184
Other financing items148724315012,060-249-6,10012-1,7301204,0207,593
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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