IndusInd Bank Ltd

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

  • Market Cap: 37,401 Cr.
  • Current Price: 539.25
  • 52 weeks High / Low 1596.55 / 235.55
  • Book Value: 384.60
  • Stock P/E: 8.47
  • Dividend Yield: 1.39 %
  • ROCE: 7.62 %
  • ROE: 13.08 %
  • Sales Growth (3Yrs): 23.31 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 10.00
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Pros:
Cons:
Company has low interest coverage ratio.
Promoter holding is low: 14.35%
Contingent liabilities of Rs.985639.95 Cr.
Promoters have pledged 26.33% of their holding.
Earnings include an other income of Rs.6951.31 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

Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
Revenue 4,136 4,208 4,287 4,650 5,068 5,438 5,763 5,991 6,961 7,150 7,285 7,387
Interest 2,361 2,387 2,392 2,643 2,946 3,235 3,475 3,759 4,117 4,241 4,211 4,155
1,663 1,669 1,653 1,782 1,863 2,118 2,247 3,284 2,347 2,774 3,161 4,607
Financing Profit 111 152 242 225 260 85 41 -1,052 497 136 -87 -1,376
Financing Margin % 3% 4% 6% 5% 5% 2% 1% -18% 7% 2% -1% -19%
Other Income 1,167 1,188 1,187 1,209 1,302 1,317 1,469 1,559 1,663 1,727 1,789 1,772
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,279 1,340 1,429 1,434 1,561 1,402 1,510 507 2,160 1,862 1,702 396
Tax % 35% 34% 34% 34% 34% 34% 35% 29% 34% 26% 24% 24%
Net Profit 837 880 936 953 1,036 920 985 360 1,432 1,383 1,300 302
EPS in Rs 13.98 14.70 15.62 15.88 17.25 15.32 16.37 5.98 20.68 19.97 18.76 4.35
Gross NPA % 1.09% 1.08% 1.16% 1.17% 1.15% 1.09% 1.13% 2.10% 2.15% 2.19% 2.18% 2.45%
Net NPA % 0.44% 0.44% 0.46% 0.51% 0.51% 0.48% 0.59% 1.21% 1.23% 1.12% 1.05% 0.91%
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 28,783
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 16,724
444 647 828 1,147 1,449 1,947 2,555 3,131 4,188 5,684 6,555 9,282 12,889
Financing Profit -143 -188 58 229 255 286 335 289 329 379 942 -436 -831
Financing Margin % -8% -8% 2% 6% 5% 4% 4% 3% 3% 3% 5% -2% -3%
Other Income 298 459 519 711 1,012 1,363 1,891 2,546 3,297 4,171 4,750 5,646 6,951
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 6,121
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 4,418
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 63.76
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:29.30%
Compounded Profit Growth
10 Years:34.64%
5 Years:18.59%
3 Years:13.10%
TTM:33.83%
Stock Price CAGR
10 Years:9.99%
5 Years:-10.21%
3 Years:-30.11%
1 Year:-64.28%
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
1,779 967 1,330 1,703 1,822 2,111 2,730 6,404 7,219 8,992 7,871 8,956
Total Liabilities 23,262 27,559 35,370 45,636 57,596 73,307 87,026 111,787 142,897 178,648 221,626 277,819
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
16,007 18,852 24,323 31,489 42,367 52,896 64,447 87,751 107,587 140,611 170,211 216,843
Total Assets 23,262 27,559 35,370 45,636 57,596 73,307 87,026 111,787 142,897 178,648 221,626 277,819

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%

Shareholding pattern in percentages

Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
16.78 16.77 16.79 16.77 16.77 16.74 16.79 16.80 16.78 14.38 14.38 14.34
48.32 48.26 49.93 52.06 52.64 52.20 53.65 53.53 51.47 52.10 55.22 53.58
14.22 14.10 12.92 11.17 10.57 10.21 10.03 9.75 10.85 17.22 14.95 15.50
0.00 0.00 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20.68 20.87 20.17 20.00 20.02 20.85 19.53 19.92 20.89 16.29 15.45 16.58