ScoreWhy is IDBI Bank Ltd. ?
1
The Bank has a high Capital Adequacy Ratio of 16.38% signifying high buffers against its risk based assets
2
Healthy long term growth as Net profit has grown by an annual rate of 19.09%
3
With a growth in Interest of 5.02%, the company declared Very Positive results in Dec 24
- The company has declared positive results for the last 10 consecutive quarters
- GROSS NPA(Q) Lowest at 3.57%
- CREDIT DEPOSIT RATIO(HY) Highest at 73.22 %
- PBT LESS OI(Q) At Rs 1,886.97 cr has Grown at 49.4 %
4
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 25-Mar-25
- Multiple factors for the stock are Mildly Bearish like MACD, Bollinger Band, KST and DOW
5
With ROA of 2, it has a Very Attractive valuation with a 1.5 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -11.49%, its profits have risen by 38% ; the PEG ratio of the company is 0.3
6
Despite the size of the company, domestic mutual funds hold only 0.82% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IDBI Bank should be less than 10%
- Overall Portfolio exposure to Public Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IDBI Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IDBI Bank
-11.63%
-0.25
46.23%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
12.28%
Net Profit Growth (5y)
19.09%
Advance to Deposit
63.38%
Capital Adequacy Ratio (Tier 1)
16.38%
Gross NPA (latest)
3.57%
Gross NPA (avg)
13.23%
Coverage Ratio (avg)
93.69%
Cost to Income (avg)
46.07%
Net Interest Margin (avg)
4.47%
Operating Profit to Assets (avg)
5.12%
ROA (avg)
1.10%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.53
PEG Ratio
0.31
Dividend Yield
1.91%
ROE (Latest)
12.83%
ROA (Latest)
1.99%
Net NPA to Book Value
0.66
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
GROSS NPA(Q)
Lowest at 3.57%
CREDIT DEPOSIT RATIO(HY)
Highest at 73.22 %
PBT LESS OI(Q)
At Rs 1,886.97 cr has Grown at 49.4 %
PAT(Q)
Highest at Rs 1,908.27 cr.
NII(Q)
Highest at Rs 4,228.22 cr
INTEREST EARNED(Q)
Highest at Rs 7,815.57 cr
PBDIT(Q)
Highest at Rs 2,052.57 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 26.26%
EPS(Q)
Highest at Rs 1.77
NET NPA(Q)
Lowest at 0.18 %
-2What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for IDBI Bank
Gross NPA - Quarterly
Lowest at 3.57% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,886.97 cr has Grown at 49.4 %
over average PBT of the previous four quarters of Rs 1,262.64 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,908.27 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 4,228.22 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 73.22 % and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Interest Earned - Quarterly
Highest at Rs 7,815.57 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,052.57 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 26.26%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,886.97 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.77
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.18 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
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