Kotak Mahindra Bank Ltd

Kotak Mah. Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Kotak Mahindra Bank Ltd

₹ 2,108 0.09%
16 May - close price
kotak.com BSE: 500247 NSE: KOTAKBANK
About

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.[1]

Key Points

Market Share
The company ranks 4th in both deposit and gross advances market share. Its securities broking business held an 11.8% market share in FY24, while the asset management business had a 6.5% market share. [1]

Website BSE NSE
  • Market Cap ₹ 4,19,163 Cr.
  • Current Price ₹ 2,108
  • High / Low ₹ 2,302 / 1,602
  • Stock P/E 21.8
  • Book Value ₹ 792
  • Dividend Yield 0.09 %
  • ROCE 7.64 %
  • ROE 13.4 %
  • Face Value ₹ 5.00
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Pros

Cons

  • Stock is trading at 2.66 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.7,77,539 Cr.
  • Earnings include an other income of Rs.41,211 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
8,838 9,164 9,994 11,011 11,982 12,869 13,717 14,495 15,156 15,837 16,427 16,633 16,772
Interest 2,904 3,004 3,375 3,802 4,230 4,834 5,536 5,985 6,212 6,805 7,139 7,171 7,160
8,555 4,879 9,313 9,345 10,548 10,303 10,136 12,484 14,920 12,263 13,094 10,595 13,664
Financing Profit -2,620 1,281 -2,694 -2,136 -2,796 -2,269 -1,955 -3,975 -5,976 -3,231 -3,806 -1,133 -4,051
Financing Margin % -30% 14% -27% -19% -23% -18% -14% -27% -39% -20% -23% -7% -24%
7,838 2,405 7,441 7,360 8,785 7,855 7,843 9,588 12,751 13,042 10,453 7,313 10,402
Depreciation 131 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 5,087 3,686 4,747 5,224 5,989 5,586 5,888 5,614 6,775 9,811 6,647 6,180 6,351
Tax % 24% 26% 25% 24% 24% 26% 25% 25% 23% 25% 25% 25% 23%
3,892 2,755 3,608 3,995 4,566 4,150 4,461 4,265 5,337 7,448 5,044 4,701 4,933
EPS in Rs 19.61 13.88 18.17 20.12 22.99 20.88 22.45 21.46 26.85 37.47 25.37 23.64 24.81
Gross NPA % 2.37% 2.27% 2.09% 1.91% 1.76% 1.75% 1.69% 1.68% 1.38% 1.39% 1.48% 1.51% 1.45%
Net NPA % 0.71% 0.69% 0.60% 0.48% 0.41% 0.43% 0.39% 0.36% 0.36% 0.38% 0.45% 0.44% 0.36%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
11,986 13,319 20,402 22,324 25,131 29,831 33,474 32,820 33,741 42,151 56,237 65,669
Interest 6,312 6,966 11,123 11,458 12,467 15,187 15,901 12,967 11,554 14,411 22,567 28,275
7,053 9,718 11,541 14,832 16,805 19,758 22,578 29,812 30,699 33,485 47,052 49,616
Financing Profit -1,379 -3,366 -2,263 -3,965 -4,141 -5,114 -5,005 -9,958 -8,512 -5,746 -13,382 -12,222
Financing Margin % -12% -25% -11% -18% -16% -17% -15% -30% -25% -14% -24% -19%
5,282 8,152 7,631 11,660 13,682 16,148 16,892 23,588 24,941 25,991 38,037 41,211
Depreciation 208 237 345 362 383 458 465 461 480 599 792 0
Profit before tax 3,695 4,550 5,024 7,332 9,158 10,576 11,422 13,168 15,948 19,646 23,863 28,989
Tax % 32% 33% 32% 32% 33% 33% 25% 25% 25% 25% 25% 24%
2,527 3,105 3,524 5,019 6,258 7,204 8,593 9,990 12,089 14,925 18,213 22,126
EPS in Rs 16.00 19.72 18.86 26.84 32.54 37.74 44.92 50.41 60.91 75.13 91.62 111.29
Dividend Payout % 2% 2% 3% 2% 2% 2% 0% 2% 2% 2% 2% 0%
Compounded Sales Growth
10 Years: 17%
5 Years: 14%
3 Years: 25%
TTM: 17%
Compounded Profit Growth
10 Years: 20%
5 Years: 18%
3 Years: 17%
TTM: 6%
Stock Price CAGR
10 Years: 12%
5 Years: 14%
3 Years: 5%
1 Year: 24%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 14%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 385 386 917 920 953 954 957 991 992 993 994 994
Reserves 18,699 21,770 32,447 37,572 49,535 56,827 65,680 83,348 95,673 110,821 128,978 156,401
Deposits 56,930 72,843 135,949 155,540 191,236 224,824 260,400 278,871 310,087 361,273 445,269 494,707
Borrowing 29,007 31,415 43,730 49,690 58,604 66,939 66,077 48,239 55,660 57,534 75,106 97,622
17,176 22,049 27,761 32,465 37,392 45,626 50,059 67,405 84,086 89,809 117,321 130,050
Total Liabilities 122,197 148,464 240,804 276,188 337,720 395,171 443,173 478,854 546,498 620,430 767,667 879,774
1,264 1,385 1,761 1,759 2,543 2,697 2,675 2,554 2,723 3,075 3,510 2,811
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 38,791 45,589 70,274 68,462 90,977 103,487 111,197 156,946 164,529 195,338 246,446 284,255
82,142 101,490 168,769 205,967 244,201 288,987 329,301 319,355 379,245 422,017 517,711 592,709
Total Assets 122,197 148,464 240,804 276,188 337,720 395,171 443,173 478,854 546,498 620,430 767,667 879,774

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
9,068 2,302 5,025 13,222 -10,392 1,822 46,619 4,881 8,308 -1,242 15,685 16,916
-1,130 -4,467 -2,353 -5,289 -5,475 -3,323 -13,068 -11,172 -10,903 -10,381 -8,919 -25,272
-5,814 2,426 2,024 6,055 14,679 8,365 -735 -10,072 7,543 1,883 15,515 22,165
Net Cash Flow 2,125 260 4,696 13,989 -1,188 6,864 32,815 -16,363 4,949 -9,740 22,281 13,809

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 14% 15% 12% 14% 14% 13% 14% 13% 13% 14% 15% 13%

Shareholding Pattern

Numbers in percentages

22 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
25.97% 25.96% 25.95% 25.95% 25.94% 25.92% 25.91% 25.90% 25.89% 25.88% 25.88% 25.88%
40.55% 40.92% 40.90% 39.42% 41.54% 40.97% 39.74% 37.59% 33.16% 33.39% 32.48% 32.65%
17.29% 19.96% 20.09% 21.31% 19.57% 20.00% 21.38% 23.40% 27.69% 27.88% 28.79% 29.13%
16.20% 13.16% 13.05% 13.30% 12.92% 13.11% 12.98% 13.11% 13.26% 12.84% 12.83% 12.34%
No. of Shareholders 5,64,7895,54,7795,43,7365,82,7335,60,8256,35,2996,34,6986,81,3017,82,6807,39,7557,46,6027,05,616

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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