ScoreWhy is IndusInd Bank Ltd. ?
1
The company has declared negative results for the last 2 consecutive quarters
- PAT(Q) At Rs 1,401.28 cr has Fallen at -39.0 %
- PBDIT(Q) Lowest at Rs 1,248.67 cr.
- OPERATING PROFIT TO NET SALES(Q) Lowest at 9.75%
2
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 11-Mar-25 and has generated 4.09% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band, KST and OBV
3
50.86% of Promoter Shares are Pledged
- In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
- The proportion of pledged holdings has increased by 5.38% over the last quarter
4
Below par performance in long term as well as near term
- Along with generating -56.02% returns in the last 1 year, the stock has also underperformed BSE 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is IndusInd Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IndusInd Bank
-56.1%
-1.31
42.80%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
11.62%
Net Profit Growth (5y)
10.05%
Advance to Deposit
86.69%
Capital Adequacy Ratio (Tier 1)
16.02%
Gross NPA (latest)
2.25%
Gross NPA (avg)
2.09%
Coverage Ratio (avg)
74.08%
Cost to Income (avg)
45.15%
Net Interest Margin (avg)
4.49%
Operating Profit to Assets (avg)
6.18%
ROA (avg)
1.29%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
0.81
PEG Ratio
NA
Dividend Yield
2.43%
ROE (Latest)
11.09%
ROA (Latest)
1.45%
Net NPA to Book Value
3.83
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 12,800.77 cr
-23What is not working for the Company
PAT(Q)
At Rs 1,401.28 cr has Fallen at -39.0 %
PBDIT(Q)
Lowest at Rs 1,248.67 cr.
OPERATING PROFIT TO NET SALES(Q)
Lowest at 9.75%
PBT LESS OI(Q)
Lowest at Rs -494.96 cr.
GROSS NPA(Q)
Highest at 2.25 %
NII(Q)
Lowest at Rs 5,228.09 cr
NON-OPERATING INCOME(Q)
is 126.68 % of Profit Before Tax (PBT
NET NPA(Q)
Highest at 0.68 %
Loading Valuation Snapshot...
Here's what is working for IndusInd Bank
Interest Earned - Quarterly
Highest at Rs 12,800.77 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Here's what is not working for IndusInd Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -494.96 cr has Fallen at -173.64 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,401.28 cr has Fallen at -39.0 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 1,248.67 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 9.75% and Fallen
each quarter in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -494.96 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Highest at 2.25 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Net Interest Income (Quarterly)
Lowest at Rs 5,228.09 cr
in the last five quartersMOJO Watch
The bank's income from core business is falling
Net Interest Income (Rs Cr)
Non Operating Income - Quarterly
is 126.68 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Net NPA - Quarterly
Highest at 0.68 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
CAR - Quarterly
Lowest at 16.46 %
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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