IDBI Bank Ltd - Stock Valuation and Financial Performance

BSE: 500116 | NSE: IDBI | Bank - Private | Large Cap

IDBI Share Price

85.94 0.08 0.09%
as on 12-Jul'24 16:01

DeciZen - make an informed investing decision on IDBI

Overall Rating
Bole Toh

1. Quality

2. Valuation


3. Price Trend

Semi Strong

IDBI Bank stock performance -

mw4me loader
P/E Ratio (CD):
Market Cap:
92,406.1 Cr.
52-wk low:
52-wk high:

Is IDBI Bank Ltd an attractive stock to invest in?

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 Semi Strong which suggest that the price of IDBI Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of IDBI:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IDBI Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Net Interest Income (₹ Cr.)5,7776,1275,7865,6705,9407,0138,5549,19411,46114,21914,219
YoY Gr. Rt. %-6.1%-5.6%-2%4.8%18.1%22%7.5%24.7%24.1%-
Total Income32,35431,57632,01330,29425,63725,48524,74423,23525,16730,37030,370
YoY Gr. Rt. %--2.4%1.4%-5.4%-15.4%-0.6%-2.9%-6.1%8.3%20.7%-
Adj EPS (₹ ) 5.9-17.4-24.4-26.4-19.4-
YoY Gr. Rt. %--397.1%NANANANANA67.4%46.2%55.9%-
BVPS (₹ )141.6109.186.754.740.927.329.231.735.540.140.1
YoY Gr. Rt. %--23%-20.5%-36.9%-25.2%-33.2%6.8%8.8%11.8%13.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.3-1-1.4-2.3-4.5-
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)2.9013.216.710.
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 Income10.5%19.1%18.5%24.1%
Total Income-0.7%3.5%7.1%20.7%
Adj EPS-1%NA56.3%55.9%
Share Price -0.3% 19.7% 30.6% 50.4%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Interest Earned / Total Income87.0588.8686.8676.0786.2181.8380.6878.8381.8287.0887.1
Margins To view Margins Colour Rating Guide click here
NIM (%)
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)4.3-16.1-25.2-47-61.9-
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)25.125.931.537.142.547.850.556.85350.4-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.40%

Total Income has increased 7.07 CAGR in last 3 years

Net Profit has increased 56.26 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - IDBI Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 5.2 5.4
TTM Sales (₹ Cr.) 26,426 26,446
BVPS (₹.) 39 40.1
Reserves (₹ Cr.) 31,196 32,387
P/BV 2.20 2.14
PE 16.40 15.96
From the Market
52 Week Low / High (₹) 56.61 / 98.70
All Time Low / High (₹) 13.95 / 202.25
Market Cap (₹ Cr.) 92,406
Equity (₹ Cr.) 10,752.4
Face Value (₹) 10
Industry PE 19.2

Management X-Ray of IDBI:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of IDBI

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
Income 32,35431,57632,01330,29425,63725,48524,74423,23525,16730,370
Interest Income 28,16428,05827,80523,04622,10220,85419,96218,31620,59226,446
Other Income 4,1893,5184,2077,2483,5354,6314,7824,9194,5753,925
Expenditure 31,39635,20037,08238,45140,65038,33323,29520,71721,48024,607
Interest Expense 22,38721,93122,01917,37616,16213,84111,4089,1229,13012,226
Operating Expenses 4,1054,2065,2434,8925,2586,4476,1726,5037,2338,370
Profit Before Tax1,371-4,930-8,529-12,512-22,724-8,9282,4592,5185,2798,324
Taxes 414-1,306-3,460-4,355-7,7113,9201,01001,5922,561
Profit After Tax 957-3,624-5,069-8,157-15,013-12,8471,4492,5183,6875,763
Adjusted EPS (₹)5.87-17.44-24.36-26.37-19.37-12.361.412.363.455.38
Dividend Payout Ratio (%)13%0%0%0%0%0%0%0%29%28%

Balance Sheet

(All Figures are in Crores.)

Equity and Liabilities

Share Capital 1,6042,0592,0593,0847,73610,38110,75210,75210,75210,752
Total Reserves 22,77126,00021,20318,82430,61024,45526,87631,81935,56740,321
Minority Interest5161718697104113128138153
Borrowings 61,83270,59256,36463,18645,28836,74915,90814,34512,63817,083
Other Liabilities 10,26311,47614,57517,95310,1906,79714,34412,64517,08918,597
Total Liabilities 3,56,0443,75,2753,62,4883,50,9093,21,1113,00,6992,98,6533,02,5403,31,4983,64,272


Balance with RBI 13,15713,82713,35013,16912,73210,53913,01327,79616,63913,991
Balance with Banks1,4869,48119,38320,6128,57219,95622,2958,00512,60812,018
Investments 97,34792,81093,07591,84893,32881,99681,47183,4751,00,4091,15,719
Advances 2,08,3772,15,8931,90,8261,71,7401,46,7901,29,8451,28,1521,36,9591,62,5461,88,576
Net Block 3,0277,0436,8946,3527,8437,7217,4049,5889,3059,436
Other Assets32,59835,74138,42246,68751,37950,15645,84936,31829,51624,426
Total Assets 3,56,0443,75,2753,62,4883,50,9093,21,1113,00,6992,98,6533,02,5403,31,4983,64,272

Cash Flow

(All Figures are in Crores.)
Cash Flow From Operating Activity -1,991-5678,000-12,514-34,21520810,2145,068-2,701-1,226
Cash Flow From Investing Activity -272-715-464720116-296-59-195-294-222
Cash Flow From Financing Activity -612,9271,88912,84321,6229,279-5,342-4,383-3,569-1,794
Net Cash Flow -2,3231,6459,4241,049-12,4779,1914,813490-6,565-3,242

Operational & Financial Ratios

EPS (₹)6-17-24-26-19-121235
DPS (₹)1000000012
BVPS (₹)1421098755412729323540

Margin Ratios

Yield on Advances (%)13.513.014.613.415.116.115.613.412.714.0
Yield on Investments (%)
Cost of Liabilities (%)
NIM (%)
Interest Spread (%)

Performance Ratios

ROA (%)0.3-1.0-1.4-2.3-4.5-
ROE (%)4.3-16.1-25.2-47.0-61.9-
ROCE (%)7.20.1-4.1-10.1-22.6-

Efficiency Ratios

Cost to Income Ratio (%)41.243.652.537.955.555.446.346.145.146.1
Operating Costs to Assets (%)

Valuation Parameters


IDBI Bank Ltd Stock News

IDBI Bank Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of IDBI on 12-Jul-2024 16:01 is ₹85.94.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Jul-2024 16:01 the market cap of IDBI stood at ₹92,406.1.
The latest P/E ratio of IDBI as of 12-Jul-2024 16:01 is 16.40.
The latest P/B ratio of IDBI as of 12-Jul-2024 16:01 is 2.20.
The 52-week high of IDBI is ₹98.70 and the 52-week low is ₹56.61.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IDBI is ₹26,426 ( Cr.) .

About IDBI Bank Ltd

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

  • Preferred Banking
  • Savings Account
  • Kutumb - Family Banking
  • Flexi Current Account
  • Corporate Payroll Account
  • Fixed Deposit & Lockers
  • Loans
  • Pradhanmantri Social Security Scheme
  • Cards
  • PayApt-Mobile Wallet
  • 24 Hours Banking
  • FASTag
  • JusTab
  • Trusteeship through ITSL
  • Sukanya Samriddhi Account

Awards and Accolades

  • IDBI Bank received prestigious awards under APY Prime Championship Cup & APY Formation Day organised by Pension Fund Regulatory & Development Authority (PFRDA).
  • Ranked 13th amongst 51 banks/ financial institutions, with respect to progress made under digital banking, as per a report by the Ministry of Electronics and Information Technology (MeitY), GoI.
  • Ranked 3rd in the NSDL Star Performer Awards - 2019 in New Demat Accounts opened under the PSU-Bank Category at NSDL’s 34th DP Conference held in Mumbai.
  • Conferred BFSI Award under Digital Financial Inclusion category at 4th India Banking Reforms Conclave held at Mumbai for undertaking excellent steps to spread digital financial inclusion in remote areas.
  • Awarded National Award for its outstanding performance in SHG Bank Linkages 2018-19 (Private Sector Banks Category) under Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY – NRLM).
  • Rajbhasha Award conferred on the Bank’s Zonal Office, New Delhi and Regional Office, Ludhiana by the respective Town Official Language Implementation Committee (TOLIC) for commendable performance in Rajbhasha implementation.
  • The Bank’s in-house Hindi Magazine ‘Vikas Prabha’ conferred the Best In-House Magazine citation from ‘Ashirvad’ - a renowned literary and cultural organisation.
  • Officials from the Department of Official Language, Ministry of Home Affairs, GoI, appreciated the inclusive implementation of Hindi in Bank’s working during their inspections.



  • IDBI Bank launched Portfolio Investment Scheme.


  • IDBI Bank Launched ‘Urban Financial Inclusion Programme’ at Dhobi Ghat.
  • IDBI Bank Launched 24*7 Loan Monitoring System for its Retail and Corporate Clients. 
  • IDBI Bank Launched MSE Focused Branch in Jalandhar.
  • IDBI Bank launched India's first online Retail G-Sec Portal.


  • IDBI Bank Introduced Digital Signature based authentication for Corporate Inet Banking Channel  IDBI Bank introduces online PPF Subscription Facility IDBI Bank establishes inland Letter of Credits (LCs) through Structured Financial Messaging System (SFMS) and introduces issuance of BRC in electronic form.
  • IDBI inked MoC with Exim Bank to co-finance export oriented companies. 
  • IDBI Bank introduced online PPF Subscription Facility.


  • IDBI Bank has amongst other parties entered Share Purchase Agreement (SPA) with Muthoot Finance (Buyer).


  • IDBI Bank has become the first lender to enable document embedding feature on a structured financial messaging system (SFMS) managed by Indian Financial Technology and Allied Services (IFTAS).
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