Kotak Mahindra Bank Ltd

kotak.com BSE: 500247 NSE : KOTAKBANK
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Kotak Mahindra Bank is a diversified financial services group providing a wide range of banking and financial services including Retail Banking, Treasury and Corporate Banking, Investment Banking, Stock Broking, Vehicle Finance, Advisory services, Asset Management, Life Insurance and General Insurance.(Source : 202003 Annual Report Page No:57)

Website BSE NSE
  • Market Cap ₹ 373,312 Cr.
  • Current Price ₹ 1,887
  • High / Low ₹ 2,027 / 1,000
  • Stock P/E 37.6
  • Book Value ₹ 339
  • Dividend Yield 0.00 %
  • ROCE 7.35 %
  • ROE 13.7 %
  • Face Value ₹ 5.00
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Pros

  • Company has delivered good profit growth of 22.60% CAGR over last 5 years

Cons

  • Stock is trading at 5.57 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.61% for last 3 years.
  • Contingent liabilities of Rs.227745.85 Cr.
  • Earnings include an other income of Rs.16101.87 Cr.
  • Promoter holding has decreased over last 3 years: -4.02%

Peer comparison

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Revenue 6,391 6,732 6,903 7,285 7,719 7,952 8,289 8,419 8,332 8,434 8,422 8,337
Interest 3,205 3,344 3,499 3,773 3,941 3,975 4,155 4,054 3,890 3,801 3,628 3,286
4,391 4,860 3,980 4,351 4,571 6,740 4,943 5,426 6,651 3,578 6,260 6,391
Financing Profit -1,205 -1,471 -575 -838 -793 -2,763 -809 -1,062 -2,209 1,055 -1,466 -1,340
Financing Margin % -19% -22% -8% -12% -10% -35% -10% -13% -27% 13% -17% -16%
Other Income 3,714 4,142 3,000 3,504 3,629 5,871 3,840 4,124 5,210 1,736 3,901 5,254
Depreciation 95 100 109 116 116 118 119 118 112 117 0 0
Profit before tax 2,414 2,570 2,316 2,550 2,719 2,991 2,913 2,945 2,889 2,674 2,435 3,914
Tax % 33% 33% 33% 33% 33% 32% 34% 19% 19% 27% 24% 25%
Net Profit 1,624 1,789 1,574 1,747 1,844 2,038 1,932 2,407 2,349 1,905 1,853 2,947
EPS in Rs 8.53 9.39 8.26 9.16 9.67 10.68 10.12 12.60 12.29 9.96 9.36 14.89
Gross NPA % 2.01% 1.95% 1.93% 1.91% 1.89% 1.94% 2.02% 2.17% 2.33% 2.16% 2.67% 2.55%
Net NPA % 0.94% 0.86% 0.77% 0.73% 0.67% 0.70% 0.71% 0.82% 0.87% 0.70% 0.89% 0.70%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 4,367 4,601 5,973 8,470 10,838 11,986 13,319 20,402 22,324 25,131 29,831 33,474 33,525
Interest 1,992 1,773 2,668 4,542 6,024 6,312 6,966 11,123 11,458 12,467 15,187 15,901 14,605
4,893 6,230 5,995 5,651 6,603 7,053 9,718 11,541 14,832 16,805 19,758 22,578 22,879
Financing Profit -2,519 -3,402 -2,690 -1,722 -1,789 -1,379 -3,366 -2,263 -3,965 -4,141 -5,114 -5,005 -3,959
Financing Margin % -58% -74% -45% -20% -17% -12% -25% -11% -18% -16% -17% -15% -12%
Other Income 3,661 5,448 5,090 4,543 5,112 5,282 8,152 7,631 11,660 13,682 16,148 16,892 16,102
Depreciation 126 143 152 164 179 208 237 345 362 383 458 465 229
Profit before tax 1,016 1,903 2,247 2,656 3,144 3,695 4,550 5,024 7,332 9,158 10,576 11,422 11,914
Tax % 36% 30% 30% 30% 30% 32% 33% 32% 32% 33% 33% 25%
Net Profit 652 1,307 1,567 1,832 2,188 2,465 3,045 3,459 4,940 6,201 7,204 8,593 9,053
EPS in Rs 4.72 9.39 10.63 12.37 14.66 16.00 19.72 18.86 26.84 32.54 37.74 44.92 46.50
Dividend Payout % 4% 2% 2% 2% 2% 2% 2% 3% 2% 2% 2% 0%
Compounded Sales Growth
10 Years:22%
5 Years:20%
3 Years:14%
TTM:4%
Compounded Profit Growth
10 Years:21%
5 Years:23%
3 Years:20%
TTM:38%
Stock Price CAGR
10 Years:25%
5 Years:23%
3 Years:21%
1 Year:17%
Return on Equity
10 Years:14%
5 Years:14%
3 Years:14%
Last Year:14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions
Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
346 348 368 370 373 385 386 917 920 953 1,454 1,457
Reserves 6,177 7,563 10,595 12,531 14,876 18,691 21,767 32,443 37,570 49,533 56,825 65,678
Borrowings 25,801 35,705 49,386 65,655 85,561 85,937 104,258 179,679 205,230 249,840 291,263 325,977
7,896 11,480 13,308 13,766 15,024 17,184 22,052 27,764 32,467 37,395 46,128 50,562
Total Liabilities 40,219 55,096 73,657 92,323 115,835 122,197 148,464 240,804 276,188 337,720 395,171 443,173
342 614 600 615 620 1,264 1,385 1,761 1,759 2,543 2,697 2,675
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 13,313 19,485 26,049 31,658 40,907 38,791 45,589 70,274 68,462 90,977 103,487 111,197
26,565 34,997 47,008 60,049 74,308 82,142 101,490 168,769 205,967 244,201 288,987 329,301
Total Assets 40,219 55,096 73,657 92,323 115,835 122,197 148,464 240,804 276,188 337,720 395,171 443,173

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-114 1,569 -1,739 -1,192 2,878 9,068 2,302 5,025 13,222 -10,392 1,822 46,619
-172 -406 -189 -5,456 -9,035 -1,130 -4,467 -2,353 -5,289 -5,475 -3,323 -13,068
-1,554 -94 2,415 7,229 7,099 -5,814 2,426 2,024 6,055 14,679 8,365 -735
Net Cash Flow -1,840 1,069 487 582 942 2,125 260 4,696 13,989 -1,188 6,864 32,815

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROE % 11% 18% 17% 16% 16% 15% 15% 13% 14% 14% 13% 14%

Shareholding Pattern

Numbers in percentages

Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
30.06 30.04 30.03 30.02 30.01 29.99 29.98 29.97 29.96 29.92 26.07 26.05
39.41 39.56 39.93 39.44 39.36 40.27 40.52 40.15 39.75 39.17 42.15 42.23
8.96 8.98 8.77 8.79 9.63 11.51 11.74 12.26 12.38 12.64 15.27 15.26
21.57 21.42 21.27 21.75 21.00 18.23 17.75 17.62 17.92 18.26 16.51 16.46

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