IDBI Bank Limited Logo

IDBI Bank Limited

IDBI.NS

(3.0)
Stock Price

88,65 INR

1.42% ROA

11.17% ROE

15.46x PER

Market Cap.

739.227.500.000,00 INR

43.11% DER

1.45% Yield

29.38% NPM

IDBI Bank Limited Stock Analysis

IDBI Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

IDBI Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (43%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

4 ROE

ROE in an average range (9.45%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (1.29%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.4x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Buffet Intrinsic Value

The company's stock seems undervalued (266) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

IDBI Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

IDBI Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

IDBI Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

IDBI Bank Limited Revenue
Year Revenue Growth
2004 8.427.209.000
2005 16.996.592.000 50.42%
2006 16.864.549.000 -0.78%
2007 24.165.747.000 30.21%
2008 29.086.498.000 16.92%
2009 46.717.648.000 37.74%
2010 65.679.575.000 28.87%
2011 65.854.508.000 0.27%
2012 84.277.798.000 21.86%
2013 89.998.620.000 6.36%
2014 98.583.280.000 8.71%
2015 94.690.549.000 -4.11%
2016 97.864.840.000 3.24%
2017 121.695.100.000 19.58%
2018 90.772.428.000 -34.07%
2019 108.202.232.000 16.11%
2020 128.482.756.000 15.78%
2021 132.673.386.000 3.16%
2022 160.364.600.000 17.27%
2023 163.903.200.000 2.16%
2023 181.440.600.000 9.67%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

IDBI Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

IDBI Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 4.519.865.000 100%
2009 0 0%
2010 0 0%
2011 160.017.000 100%
2012 239.972.000 33.32%
2013 207.801.000 -15.48%
2014 260.254.000 20.15%
2015 276.513.000 5.88%
2016 308.169.000 10.27%
2017 431.876.000 28.64%
2018 850.696.000 49.23%
2019 389.844.000 -118.21%
2020 529.894.000 26.43%
2021 467.263.000 -13.4%
2022 522.493.000 10.57%
2023 0 0%
2023 632.080.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

IDBI Bank Limited EBITDA
Year EBITDA Growth
2004 29.123.150.000
2005 58.025.186.000 49.81%
2006 65.477.406.000 11.38%
2007 83.845.503.000 21.91%
2008 112.671.823.000 25.58%
2009 142.607.154.000 20.99%
2010 159.642.463.000 10.67%
2011 209.409.856.000 23.77%
2012 216.913.478.000 3.46%
2013 218.264.843.000 0.62%
2014 234.697.602.000 7%
2015 185.579.780.000 -26.47%
2016 173.657.632.000 -6.87%
2017 96.206.116.000 -80.51%
2018 -149.867.554.000 164.19%
2019 -128.352.369.000 -16.76%
2020 15.139.686.000 947.79%
2021 25.336.670.000 40.25%
2022 37.060.593.000 31.63%
2023 95.564.400.000 61.22%
2023 89.354.700.000 -6.95%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

IDBI Bank Limited Gross Profit
Year Gross Profit Growth
2004 8.427.209.000
2005 16.996.592.000 50.42%
2006 16.864.549.000 -0.78%
2007 24.165.747.000 30.21%
2008 29.086.498.000 16.92%
2009 46.717.648.000 37.74%
2010 65.679.575.000 28.87%
2011 65.854.508.000 0.27%
2012 84.277.798.000 21.86%
2013 89.998.620.000 6.36%
2014 98.583.280.000 8.71%
2015 94.690.549.000 -4.11%
2016 97.864.840.000 3.24%
2017 121.695.100.000 19.58%
2018 90.772.428.000 -34.07%
2019 108.202.232.000 16.11%
2020 128.482.756.000 15.78%
2021 132.673.386.000 3.16%
2022 160.364.600.000 17.27%
2023 163.903.200.000 2.16%
2023 181.440.600.000 9.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

IDBI Bank Limited Net Profit
Year Net Profit Growth
2004 3.185.742.000
2005 5.439.163.000 41.43%
2006 5.883.149.000 7.55%
2007 7.465.915.000 21.2%
2008 7.665.359.000 2.6%
2009 10.205.254.000 24.89%
2010 15.635.098.000 34.73%
2011 20.024.982.000 21.92%
2012 18.889.048.000 -6.01%
2013 11.517.351.000 -64.01%
2014 9.417.988.000 -22.29%
2015 -35.908.153.000 126.23%
2016 -50.159.048.000 28.41%
2017 -81.323.999.000 38.32%
2018 -149.867.554.000 45.74%
2019 -128.352.369.000 -16.76%
2020 15.139.686.000 947.79%
2021 25.336.670.000 40.25%
2022 37.060.593.000 31.63%
2023 55.416.000.000 33.12%
2023 57.881.117.000 4.26%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

IDBI Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 4
2005 8 42.86%
2006 8 12.5%
2007 10 20%
2008 11 0%
2009 14 28.57%
2010 17 17.65%
2011 20 15%
2012 15 -42.86%
2013 8 -75%
2014 6 -60%
2015 -3 266.67%
2016 -5 25%
2017 -8 42.86%
2018 -14 50%
2019 -12 -16.67%
2020 1 1300%
2021 2 50%
2022 3 33.33%
2023 5 40%
2023 5 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

IDBI Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 25.076.455.000
2005 -1.639.205.000 1629.79%
2006 4.797.060.000 134.17%
2007 16.465.444.000 70.87%
2008 27.968.536.000 41.13%
2009 35.278.577.000 20.72%
2010 32.884.773.000 -7.28%
2011 -34.044.813.000 196.59%
2012 -4.216.757.000 -707.37%
2013 -22.205.972.000 81.01%
2014 -22.622.054.000 1.84%
2015 -12.816.263.000 -76.51%
2016 75.357.556.000 117.01%
2017 -121.504.402.000 162.02%
2018 -342.147.968.000 64.49%
2019 -874.913.000 -39006.51%
2020 33.847.941.000 102.58%
2021 -41.268.688.000 182.02%
2022 -28.954.000.000 -42.53%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

IDBI Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 25.076.455.000
2005 -1.052.389.000 2482.81%
2006 4.797.060.000 121.94%
2007 17.649.682.000 72.82%
2008 29.486.082.000 40.14%
2009 38.444.737.000 23.3%
2010 35.097.569.000 -9.54%
2011 -32.448.960.000 208.16%
2012 -2.989.695.000 -985.36%
2013 -19.980.616.000 85.04%
2014 -19.905.804.000 -0.38%
2015 -5.667.730.000 -251.21%
2016 79.998.952.000 107.08%
2017 -121.504.402.000 165.84%
2018 -342.147.968.000 64.49%
2019 2.084.819.000 16511.4%
2020 34.434.540.000 93.95%
2021 -39.322.142.000 187.57%
2022 -26.009.500.000 -51.18%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

IDBI Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 0
2005 586.816.000 100%
2006 0 0%
2007 1.184.238.000 100%
2008 1.517.546.000 21.96%
2009 3.166.160.000 52.07%
2010 2.212.796.000 -43.08%
2011 1.595.853.000 -38.66%
2012 1.227.062.000 -30.05%
2013 2.225.356.000 44.86%
2014 2.716.250.000 18.07%
2015 7.148.533.000 62%
2016 4.641.396.000 -54.02%
2017 0 0%
2018 0 0%
2019 2.959.732.000 100%
2020 586.599.000 -404.56%
2021 1.946.546.000 69.86%
2022 2.944.500.000 33.89%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

IDBI Bank Limited Equity
Year Equity Growth
2004 62.362.022.000
2005 66.590.079.000 6.35%
2006 85.263.592.000 21.9%
2007 90.597.683.000 5.89%
2008 9.561.857.000 -847.49%
2009 102.910.500.000 90.71%
2010 145.689.774.000 29.36%
2011 193.911.968.000 24.87%
2012 212.020.245.000 8.54%
2013 236.321.847.000 10.28%
2014 243.748.950.000 3.05%
2015 280.584.353.000 13.13%
2016 232.623.110.000 -20.62%
2017 219.079.562.000 -6.18%
2018 384.436.873.000 43.01%
2019 349.393.041.000 -10.03%
2020 377.410.208.000 7.42%
2021 426.998.932.000 11.61%
2022 464.577.200.000 8.09%
2023 480.434.300.000 3.3%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

IDBI Bank Limited Assets
Year Assets Growth
2004 829.994.411.000
2005 903.022.435.000 8.09%
2006 1.059.404.909.000 14.76%
2007 1.325.468.908.000 20.07%
2008 1.740.719.855.000 23.86%
2009 2.361.021.752.000 26.27%
2010 2.535.576.031.000 6.88%
2011 2.906.966.816.000 12.78%
2012 3.226.661.965.000 9.91%
2013 3.289.582.303.000 1.91%
2014 3.559.308.964.000 7.58%
2015 3.742.570.183.000 4.9%
2016 3.623.813.865.000 -3.28%
2017 3.511.367.775.000 -3.2%
2018 3.211.113.980.000 -9.35%
2019 3.007.133.325.000 -6.78%
2020 2.986.528.360.000 -0.69%
2021 3.023.562.566.000 1.22%
2022 3.314.977.000.000 8.79%
2023 3.352.496.000.000 1.12%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

IDBI Bank Limited Liabilities
Year Liabilities Growth
2004 767.632.389.000
2005 836.432.356.000 8.23%
2006 974.141.317.000 14.14%
2007 1.234.871.225.000 21.11%
2008 1.731.157.998.000 28.67%
2009 2.258.111.252.000 23.34%
2010 2.389.886.257.000 5.51%
2011 2.712.756.409.000 11.9%
2012 3.014.277.797.000 10%
2013 3.052.824.068.000 1.26%
2014 3.315.048.049.000 7.91%
2015 3.461.371.268.000 4.23%
2016 3.390.485.078.000 -2.09%
2017 3.291.428.644.000 -3.01%
2018 2.826.677.107.000 -16.44%
2019 2.657.740.284.000 -6.36%
2020 2.609.118.152.000 -1.86%
2021 2.596.563.634.000 -0.48%
2022 2.850.399.800.000 8.91%
2023 206.508.500.000 -1280.28%

IDBI Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.34
Net Income per Share
4.45
Price to Earning Ratio
15.46x
Price To Sales Ratio
4.21x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.54
EV to Sales
4.39
EV Over EBITDA
10.92
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
739,23 Bil.
Enterprise Value
769,61 Bil.
Graham Number
66.81
Graham NetNet
-2.83

Income Statement Metrics

Net Income per Share
4.45
Income Quality
0
ROE
0.1
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.68
EBT Per Ebit
1
Ebit per Revenue
0.43
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.43
Pretax Profit Margin
0.43
Net Profit Margin
0.29

Dividends

Dividend Yield
0.01
Dividend Yield %
1.45
Payout Ratio
0
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
16,40
Book Value per Share
44,61
Tangible Book Value per Share
292.94
Shareholders Equity per Share
44.61
Interest Debt per Share
29.08
Debt to Equity
0.43
Debt to Assets
0.06
Net Debt to EBITDA
0.43
Current Ratio
0
Tangible Asset Value
3.145,99 Bil.
Net Current Asset Value
-30,38 Bil.
Invested Capital
0.43
Working Capital
176,13 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.28

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

IDBI Bank Limited Dividends
Year Dividends Growth
1998 5
1999 5 0%
2000 5 0%
2001 5 0%
2002 2 -300%
2003 2 0%
2005 2 50%
2006 2 -100%
2007 2 0%
2008 2 50%
2009 3 0%
2010 3 33.33%
2011 4 0%
2012 4 0%
2013 4 0%
2014 1 -200%
2015 1 0%
2023 1 100%

IDBI Bank Limited Profile

About IDBI Bank Limited

IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, current, and salary accounts, and fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; phone, mobile, and Internet banking services; and investment advisory and capital market services. It also provides fund and non-fund-based assistance; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines (ATMs)/cash dispense vendors; technology upgrading fund scheme for textile and jute industries; and lending to non-banking finance companies/housing finance companies and commercial real estate sector. In addition, the company offers bank guarantees, letters of credit, documentary collection, bill discounting, and foreign currency; cash management, treasury, trade finance, and remittance services; and debt syndication and advisory services. Further, it provides finance to micro, small, and medium enterprises; agriculture finance; and products and services for non-resident Indians. Additionally, the company offers information technology and security, and contact center services; merchant banking, stock broking, portfolio management of pension/PF funds; and mutual fund, security trusteeship assignments, share pledge trustee, venture capital fund, safe keeping, escrow agency, and other trusteeship services, as well as acts as a trustee to securitization transactions and bond/debentures. As of March 31, 2022, it operated 1,886 branches, 3,403 ATMs, and 58 e-lounges. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. The company was founded in 1964 and is headquartered in Mumbai, India.

CEO
Mr. Rakesh Kumar Sharma
Employee
16.254
Address
IDBI Tower
Mumbai, 400005

IDBI Bank Limited Executives & BODs

IDBI Bank Limited Executives & BODs
# Name Age
1 Ms. Padma Vinod Betai
Chief General Manager
70
2 Mr. Sunit Sarkar
Executive Director & Chief Audit Officer
70
3 Mr. Aloke Sengupta
Chief General Manager
70
4 Mr. Ajoy Nath Jha
Chief General Manager
70
5 Mr. Subrat Kumar Mohapatra
Chief General Manager
70
6 Ms. Jyothi Biju Nair
Deputy GM, Company Secretary & Compliance Officer
70
7 Mr. Badri Srinivasa Rao
Chief General Manager
70
8 Mr. Rakesh Kumar Sharma
MD, Chief Executive Officer & Executive Director
70
9 Ms. Smita Harish Kuber
Chief Financial Officer
70
10 Mr. Padmabhushan Bahadure
Chief Technology Officer
70

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