ScoreWhy is Kotak Mahindra Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 2.09%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 18.67% and Net profit at 18.70%
- The Bank has a high Capital Adequacy Ratio of 20.78% signifying high buffers against its risk based assets
2
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 22-Jan-25 and has generated 10.45% returns since then
- The stocks MACD and KST technical factors are also Bullish
3
High Institutional Holdings at 61.27%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 12 across all Large Cap and 31 across the entire market
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Kotak Mah. Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Kotak Mah. Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Kotak Mah. Bank
16.18%
0.62
25.69%
SENSEX
0.45%
0.02
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
18.67%
Net Profit Growth (5y)
18.70%
Advance to Deposit
85.53%
Capital Adequacy Ratio (Tier 1)
20.78%
Gross NPA (latest)
1.50%
Gross NPA (avg)
2.02%
Coverage Ratio (avg)
76.20%
Cost to Income (avg)
45.52%
Net Interest Margin (avg)
4.82%
Operating Profit to Assets (avg)
6.55%
ROA (avg)
2.09%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Price to Book Value
3.69
PEG Ratio
3.12
Dividend Yield
0.10%
ROE (Latest)
12.97%
ROA (Latest)
2.43%
Net NPA to Book Value
1.52
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
PAT(9M)
At Rs 12,898.34 cr has Grown at 33.69 %
INTEREST EARNED(Q)
Highest at Rs 13,427.58 cr
NII(Q)
Highest at Rs 7,196.25 cr
PBDIT(Q)
Highest at Rs 2,558.21 cr.
-6What is not working for the Company
PAT(Q)
At Rs 3,304.80 cr has Fallen at -21.0 %
NON-OPERATING INCOME(Q)
is 59.79 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Kotak Mah. Bank
Interest Earned - Quarterly
Highest at Rs 13,427.58 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 7,196.25 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,558.21 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
CAR - Quarterly
Highest at 22.79 %
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Kotak Mah. Bank
Profit After Tax (PAT) - Quarterly
At Rs 3,304.80 cr has Fallen at -21.0 %
over average PAT of the previous four quarters of Rs 4,182.96 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 59.79 % 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
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