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1. Is IDBI Bank Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that IDBI Bank Ltd is a below average quality company.
2. Is IDBI Bank Ltd undervalued or overvalued?
The key valuation ratios of IDBI Bank Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
3. Is IDBI Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of IDBI Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||6,050||5,777||6,127||5,786||5,670||5,940||7,013||8,554||9,194||11,461||12,969|
|YoY Gr. Rt. %||-||-4.5%||6.1%||-5.6%||-2%||4.8%||18.1%||22%||7.5%||24.7%||-|
|YoY Gr. Rt. %||-||8.9%||-2.4%||1.4%||-5.4%||-15.4%||-0.6%||-2.9%||-6.1%||8.3%||-|
|Adj EPS (₹ )||7.2||5.9||-17.4||-24.4||-26.4||-19.4||-12.4||1.4||2.4||3.5||3.9|
|YoY Gr. Rt. %||-||-18.3%||-397.1%||NA||NA||NA||NA||NA||67.4%||46.2%||-|
|BVPS (₹ )||136.7||141.6||109.1||86.7||54.7||40.9||27.3||29.2||31.7||35.5||36.6|
|YoY Gr. Rt. %||-||3.6%||-23%||-20.5%||-36.9%||-25.2%||-33.2%||6.8%||8.8%||11.8%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||0.4||0.3||-1||-1.4||-2.3||-4.5||-4.1||0.5||0.8||1.2||1.2|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||2.5||2.9||0||13.2||16.7||10.1||4.2||2||1.3||0.9||-|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||7.4%||15.1%||17.8%||24.7%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||Mar'23||TTM|
|Interest Earned / Total Income||89.53||87.05||88.86||86.86||76.07||86.21||81.83||80.68||78.83||81.82||84.2|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||5.6||4.3||-16.1||-25.2||-47||-61.9||-42.9||4.9||7.7||10.2||10.6|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 10.80%
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
Total Income has declined 26.34 CAGR in last 3 years
Net Profit has declined 0.00 CAGR in last 3 years
|TTM EPS (₹)||3.8||3.9|
|TTM Sales (₹ Cr.)||22,796||22,817|
|BVPS (₹.) ⓘ||35.7||36.6|
|Reserves (₹ Cr.) ⓘ||27,587||28,608|
|From the Market|
|52 Week Low / High (₹)||36.60 / 74.75|
|All Time Low / High (₹)||13.95 / 202.25|
|Market Cap (₹ Cr.)||76,493|
|Equity (₹ Cr.)||10,752.4|
|Face Value (₹)||10|
|Industry PE ⓘ||21.8|
IDBI Bank Ltd. is operating as a full service universal bank that serves the customers from all segments. IDBI Bank has inherited a rich legacy from its predecessor entity - Industrial Development Bank of India - which was an apex Development Financial Institution (DFI) in the realm of industry from July 1, 1964 to September 30, 2004. As a DFI, the erstwhile IDBI stretched its canvas beyond mere project financing to cover an array of services that contributed towards balanced geographical spread of industries, development of identified backward areas, emergence of a new spirit of enterprise and evolution of a deep and vibrant capital market. As an universal bank, IDBI Bank touches the lives of millions of Indians through a wide array of banking products and services. Besides, the Bank has an established presence in associated financial sector businesses including capital market, investment banking and mutual fund business. The Bank’s very business philosophy is characterised by the commitment to provide relevant financial solutions, ensure maximum customer convenience through easy access to branches and ATMs as well as digital offerings and excellence in customer service.
Business area of the bank
IDBI Bank provides a wide gamut of financial products and services encompassing deposits, loans, payment services and investment solutions. It is committed to understanding its customers’ needs and aim at consistently delivering relevant financial solutions and excellent customer service. The bank provides different types of services. Retail banking: It provides a wide range of products and services like deposits, loans, NRI services, demat, pension account, mobile banking, internet banking, investment schemes such as mutual fund, insurance products, bonds, debentures etc. Corporate banking: It provides corporates project finance, film finance, foreign currency loan, working capital finance, treasury products, etc. Agri business and microfinance: It provides finance to agri businesses in the form of dairy loans, farm mechanization loans, financing for fisheries, poultry, piggery, warehouse receipt finance, etc. SME: IDBI Bank also offers products and services to SME sector.
Products/Services of the Bank
Awards and Accolades