IDBI:NSE-IDBI Bank Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 30.80

Change

+0.55 (+1.82)%

Market Cap

INR 325.80B

Volume

0.01B

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. The company offers savings and current accounts, corporate payroll accounts, and fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; phone, mobile, and Internet banking services; and investment advisory and capital market services, as well as lockers. The company also provides fund based assistance, including term loans; working capital; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines (ATM)/cash dispense vendors; bill discounting; technology upgrading fund scheme for textile and jute industries; and lending to non-banking finance companies/housing finance companies and commercial real estate sector. In addition, it offers bank and performance guarantees, letters of credit, and buyers credit; cash management, treasury, trade finance, and foreign currency services; and debt syndication and advisory services. Further, the company provides finance to micro, small, and medium enterprises; agriculture finance; and products and services for non-resident Indians, as well as equity, debt and gold products. Additionally, it offers information technology and security, and contact center services; and mutual fund, security trusteeship assignments, share pledge trustee, venture capital fund, safe keeping, escrow agency, and other trusteeship services, as well as acts as a trustee to securitization transactions and bond/debentures. As of March 31, 2020, the company operated 1,892 branches, 3,683 ATMs, and 58 e-lounges. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. The company was founded in 1964 and is headquartered in Mumbai, India. IDBI Bank Limited is a subsidiary of Life Insurance Corporation of India.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-02-25 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

-0.05 (0.00%)

INR8,852.86B 28.86 N/A
ICICIBANK:NSE ICICI Bank Limited

-13.10 (-2.04%)

INR4,394.49B 29.02 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

-15.70 (-0.82%)

INR3,854.41B 41.04 N/A
SBIN:NSE State Bank of India

+1.00 (+0.25%)

INR3,625.62B 15.63 N/A
AXISBANK:NSE Axis Bank Limited

+21.25 (+2.84%)

INR2,294.96B 73.11 N/A
INDUSINDBK:NSE IndusInd Bank Limited

+39.75 (+3.71%)

INR827.28B 33.00 N/A
BANDHANBNK:NSE Bandhan Bank Limited

+7.05 (+2.10%)

INR539.45B 20.60 N/A
PNB:NSE Punjab National Bank

+0.10 (+0.24%)

INR443.21B 35.70 N/A
YESBANK:NSE Yes Bank Limited

N/A

INR409.70B 8.90 N/A
BANKBARODA:NSE Bank of Baroda

+1.60 (+1.81%)

INR407.99B 14.85 N/A

ETFs Containing IDBI

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -4.64% 18% F 31% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -4.64% 18% F 31% F
Trailing 12 Months  
Capital Gain -7.09% 27% F 14% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -7.09% 27% F 14% F
Trailing 5 Years  
Capital Gain -44.60% 21% F 24% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -44.60% 18% F 23% F
Average Annual (5 Year Horizon)  
Capital Gain -14.43% 39% F 22% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -14.43% 33% F 20% F
Risk Return Profile  
Volatility (Standard Deviation) 25.27% 67% D+ 78% C+
Risk Adjusted Return -57.09% 24% F 15% F
Market Capitalization 325.80B 65% D 93% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 30.01 42% F 35% F
Price/Book Ratio 0.91 59% F 67% D+
Price / Cash Flow Ratio 6.28 9% F 47% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 2.97% 36% F 42% F
Return on Invested Capital -4.53% 12% F 15% F
Return on Assets 0.35% 53% F 32% F
Debt to Equity Ratio 105.49% 44% F 15% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.09 71% C- 45% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector