IndusInd Bank Ltd

IndusInd Bank is engaged in Business of Banking Services.(Source : 201903 Annual Report Page No: 120)

Pros:
Company is expected to give good quarter
Cons:
Stock is trading at 3.76 times its book value
Company has low interest coverage ratio.
Promoter's stake has decreased
Promoter holding is low: 13.04%
Contingent liabilities of Rs.985639.95 Cr.
Promoters have pledged 26.33% of their holding
Earnings include an other income of Rs.6417.75 Cr.
Dividend payout has been low at 12.90% of profits over last 3 years

Peer Comparison Sector: Banks // Industry: Banks - Private Sector

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Quarterly Results Standalone Figures in Rs. Crores / View Consolidated

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019
Revenue 3,699 3,830 4,136 4,208 4,287 4,650 5,068 5,438 5,763 5,991 6,961 7,150
Interest 2,121 2,163 2,361 2,387 2,392 2,643 2,946 3,235 3,475 3,759 4,117 4,241
1,449 1,737 1,663 1,669 1,653 1,782 1,863 2,118 2,247 3,284 2,347 2,774
Financing Profit 130 -69 111 152 242 225 260 85 41 -1,052 497 136
Financing Margin % 4% -2% 3% 4% 6% 5% 5% 2% 1% -18% 7% 2%
Other Income 1,017 1,211 1,167 1,188 1,187 1,209 1,302 1,317 1,469 1,559 1,663 1,727
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,146 1,142 1,279 1,340 1,429 1,434 1,561 1,402 1,510 507 2,160 1,862
Tax % 35% 34% 35% 34% 34% 34% 34% 34% 35% 29% 34% 26%
Net Profit 751 752 837 880 936 953 1,036 920 985 360 1,432 1,383
EPS in Rs 12.57 12.57 13.98 14.70 15.62 15.88 17.25 15.32 16.37 5.98 20.68 19.97
Gross NPA % 0.94% 0.93% 1.09% 1.08% 1.16% 1.17% 1.15% 1.09% 1.13% 2.10% 2.15% 2.19%
Net NPA % 0.39% 0.39% 0.44% 0.44% 0.46% 0.51% 0.51% 0.48% 0.59% 1.21% 1.23% 1.12%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
Revenue 1,881 2,309 2,707 3,589 5,359 6,983 8,254 9,692 11,872 14,406 17,281 22,261 25,867
Interest 1,580 1,850 1,821 2,213 3,655 4,750 5,363 6,272 7,355 8,343 9,783 13,415 15,593
444 647 828 1,147 1,449 1,947 2,555 3,131 4,188 5,684 6,555 9,282 10,652
Financing Profit -143 -188 58 229 255 286 335 289 329 379 942 -436 -378
Financing Margin % -8% -8% 2% 6% 5% 4% 4% 3% 3% 3% 5% -2% -1%
Other Income 298 459 519 711 1,012 1,363 1,891 2,546 3,297 4,171 4,750 5,646 6,418
Depreciation 40 44 45 61 75 73 98 127 157 191 212 229 0
Profit before tax 114 227 533 879 1,192 1,576 2,128 2,709 3,469 4,360 5,481 4,981 6,040
Tax % 34% 35% 34% 34% 33% 33% 34% 34% 34% 34% 34% 34%
Net Profit 75 148 350 577 803 1,061 1,408 1,794 2,286 2,868 3,606 3,301 4,161
EPS in Rs 2.24 3.96 8.23 12.07 16.80 19.78 26.19 33.06 38.43 47.95 60.08 54.77 63.00
Dividend Payout % 26% 29% 21% 16% 13% 15% 13% 12% 12% 13% 12% 14%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:25.43%
5 Years:21.95%
3 Years:23.31%
TTM:33.04%
Compounded Profit Growth
10 Years:34.64%
5 Years:18.59%
3 Years:13.10%
TTM:8.21%
Stock Price CAGR
10 Years:28.02%
5 Years:15.15%
3 Years:10.51%
1 Year:-5.41%
Return on Equity
10 Years:15.74%
5 Years:15.28%
3 Years:14.66%
Last Year:13.08%

Balance Sheet Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
320 355 411 466 468 523 526 529 595 598 600 603
Reserves 1,030 1,309 1,984 3,576 4,263 7,097 8,506 10,101 17,087 20,033 23,227 26,072
Borrowings 20,133 24,927 31,644 39,891 51,044 63,576 75,264 94,752 117,996 149,026 189,928 242,189
1,837 1,023 1,391 1,758 1,898 2,229 2,893 6,606 7,390 9,203 8,140 9,317
Total Liabilities 23,319 27,615 35,430 45,691 57,672 73,424 87,190 111,988 143,068 178,860 221,896 278,181
616 609 627 572 614 741 991 1,120 1,218 1,307 1,313 1,688
CWIP 10 14 18 24 43 16 25 38 37 28 25 22
Investments 6,630 8,083 10,402 13,551 14,572 19,654 21,563 22,878 34,054 36,702 50,077 59,266
16,064 18,908 24,383 31,543 42,444 53,014 64,610 87,953 107,758 140,822 170,480 217,204
Total Assets 23,319 27,615 35,430 45,691 57,672 73,424 87,190 111,988 143,068 178,860 221,896 278,181

Cash Flows Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-327 -390 86 609 -840 -486 -4,106 -1,421 -2,927 11,569 -20,700 -6,389
-41 -49 -75 -21 -141 -174 -174 -276 -258 -285 -217 -633
-49 184 668 834 2,496 1,969 4,200 5,707 2,517 -2,768 15,505 8,590
Net Cash Flow -417 -254 679 1,421 1,515 1,309 -79 4,010 -667 8,516 -5,412 1,568

Ratios Standalone Figures in Rs. Crores / View Consolidated

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 6% 11% 18% 18% 18% 17% 17% 18% 16% 15% 16% 13%