IndusInd Bank Limited Logo

IndusInd Bank Limited

INDUSINDBK.NS

(3.2)
Stock Price

1.034,45 INR

1.7% ROA

14.7% ROE

11.73x PER

Market Cap.

1.059.079.933.150,00 INR

69.88% DER

1.21% Yield

20.17% NPM

IndusInd Bank Limited Stock Analysis

IndusInd 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.

IndusInd Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.25%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

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

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 ROA

The stock's ROA (1.64%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.99x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 DER

The stock has a reasonable amount of debt compared to its ownership (69%), suggesting a balanced financial position and a moderate level of risk.

7 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

8 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

9 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (6.278), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

IndusInd 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.

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

IndusInd 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.

IndusInd Bank Limited Revenue
Year Revenue Growth
2004 6.725.803.000
2005 5.455.323.000 -23.29%
2006 5.431.904.000 -0.43%
2007 5.983.789.000 9.22%
2008 9.152.865.000 34.62%
2009 14.398.938.000 36.43%
2010 20.901.540.000 31.11%
2011 27.154.348.000 23.03%
2012 35.890.774.000 24.34%
2013 46.935.120.000 23.53%
2014 58.924.933.000 20.35%
2015 77.770.191.000 24.23%
2016 102.309.507.000 23.99%
2017 121.186.709.000 15.58%
2018 143.206.076.000 15.38%
2019 185.451.008.000 22.78%
2020 194.185.844.000 4.5%
2021 220.432.051.000 11.91%
2022 257.648.900.000 14.44%
2023 294.345.200.000 12.47%
2023 551.439.800.000 46.62%
2024 599.535.200.000 8.02%

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.

IndusInd 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%
2024 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.

IndusInd Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 764.915.000
2005 995.258.000 23.14%
2006 122.239.000 -714.19%
2007 141.481.000 13.6%
2008 138.722.000 -1.99%
2009 158.767.000 12.63%
2010 196.735.000 19.3%
2011 279.870.000 29.7%
2012 288.050.000 2.84%
2013 365.396.000 21.17%
2014 389.255.000 6.13%
2015 461.866.000 15.72%
2016 445.117.000 -3.76%
2017 736.501.000 39.56%
2018 698.107.000 -5.5%
2019 722.510.000 3.38%
2020 626.425.000 -15.34%
2021 523.163.000 -19.74%
2022 659.402.000 20.66%
2023 0 0%
2023 4.218.484.999 100%
2024 0 0%

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.

IndusInd Bank Limited EBITDA
Year EBITDA Growth
2004 9.739.072.000
2005 9.459.973.000 -2.95%
2006 13.311.536.000 28.93%
2007 16.589.295.000 19.76%
2008 20.031.972.000 17.19%
2009 22.158.818.000 9.6%
2010 28.583.585.000 22.48%
2011 45.315.028.000 36.92%
2012 64.001.643.000 29.2%
2013 75.892.989.000 15.67%
2014 91.077.036.000 16.67%
2015 106.898.635.000 14.8%
2016 114.019.357.000 6.25%
2017 154.756.218.000 26.32%
2018 49.802.232.000 -210.74%
2019 61.770.406.000 19.38%
2020 29.300.961.000 -110.81%
2021 63.675.680.000 53.98%
2022 99.134.278.000 35.77%
2023 117.401.200.000 15.56%
2023 3.100.000 -3787035.48%
2024 2.800.000 -10.71%

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.

IndusInd Bank Limited Gross Profit
Year Gross Profit Growth
2004 6.725.803.000
2005 5.455.323.000 -23.29%
2006 5.431.904.000 -0.43%
2007 5.983.789.000 9.22%
2008 9.152.865.000 34.62%
2009 14.398.938.000 36.43%
2010 20.901.540.000 31.11%
2011 27.154.348.000 23.03%
2012 35.890.774.000 24.34%
2013 46.935.120.000 23.53%
2014 58.924.933.000 20.35%
2015 77.770.191.000 24.23%
2016 102.309.507.000 23.99%
2017 121.186.709.000 15.58%
2018 143.206.076.000 15.38%
2019 185.451.008.000 22.78%
2020 194.185.844.000 4.5%
2021 220.432.051.000 11.91%
2022 257.648.900.000 14.44%
2023 294.345.200.000 12.47%
2023 551.439.800.000 46.62%
2024 599.535.200.000 8.02%

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.

IndusInd Bank Limited Net Profit
Year Net Profit Growth
2004 2.101.451.000
2005 368.177.000 -470.77%
2006 682.167.000 46.03%
2007 750.538.000 9.11%
2008 1.483.388.000 49.4%
2009 3.503.075.000 57.65%
2010 5.773.253.000 39.32%
2011 8.026.119.000 28.07%
2012 10.611.842.000 24.37%
2013 14.080.193.000 24.63%
2014 17.937.162.000 21.5%
2015 22.864.477.000 21.55%
2016 28.681.708.000 20.28%
2017 36.059.839.000 20.46%
2018 33.007.532.000 -9.25%
2019 44.581.806.000 25.96%
2020 29.300.961.000 -52.15%
2021 48.050.380.000 39.02%
2022 74.434.900.000 35.45%
2023 88.086.400.000 15.5%
2023 89.773.000.000 1.88%
2024 86.831.600.000 -3.39%

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.

IndusInd Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 7
2005 1 -600%
2006 2 50%
2007 2 0%
2008 4 50%
2009 9 55.56%
2010 13 30.77%
2011 17 23.53%
2012 22 19.05%
2013 27 19.23%
2014 34 21.21%
2015 40 15.38%
2016 48 18.75%
2017 60 20%
2018 55 -11.11%
2019 64 15.63%
2020 40 -60%
2021 62 35.48%
2022 96 35.42%
2023 113 15.04%
2023 116 1.74%
2024 112 -3.6%

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.

IndusInd Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 -11.148.600.000
2005 2.025.200.000 650.49%
2006 7.613.200.000 73.4%
2007 -384.090.000 2082.14%
2008 -440.900.000 12.89%
2009 70.531.000 725.12%
2010 5.072.283.000 98.61%
2011 16.980.490.000 70.13%
2012 -6.701.505.000 353.38%
2013 -42.828.131.000 84.35%
2014 -6.000.591.000 -613.73%
2015 -70.569.482.000 91.5%
2016 112.821.160.000 162.55%
2017 -209.362.334.000 153.89%
2018 -70.324.131.000 -197.71%
2019 -133.278.220.000 47.24%
2020 446.345.168.000 129.86%
2021 162.578.884.000 -174.54%
2022 -130.133.800.000 224.93%
2023 0 0%
2023 148.439.000.000 100%
2024 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.

IndusInd Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -10.451.300.000
2005 2.614.500.000 499.74%
2006 8.267.200.000 68.38%
2007 -327.110.000 2627.35%
2008 -389.850.000 16.09%
2009 855.617.000 145.56%
2010 6.090.986.000 85.95%
2011 18.483.558.000 67.05%
2012 -4.857.635.000 480.51%
2013 -41.057.575.000 88.17%
2014 -3.214.327.000 -1177.33%
2015 -67.879.256.000 95.26%
2016 115.693.019.000 158.67%
2017 -207.004.407.000 155.89%
2018 -63.889.487.000 -224%
2019 -129.073.519.000 50.5%
2020 449.757.172.000 128.7%
2021 166.721.876.000 -169.76%
2022 -124.422.900.000 234%
2023 0 0%
2023 155.739.100.000 100%
2024 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.

IndusInd Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 697.300.000
2005 589.300.000 -18.33%
2006 654.000.000 9.89%
2007 56.980.000 -1047.77%
2008 51.050.000 -11.62%
2009 785.086.000 93.5%
2010 1.018.703.000 22.93%
2011 1.503.068.000 32.23%
2012 1.843.870.000 18.48%
2013 1.770.556.000 -4.14%
2014 2.786.264.000 36.45%
2015 2.690.226.000 -3.57%
2016 2.871.859.000 6.32%
2017 2.357.927.000 -21.8%
2018 6.434.644.000 63.36%
2019 4.204.701.000 -53.03%
2020 3.412.004.000 -23.23%
2021 4.142.992.000 17.64%
2022 5.710.900.000 27.45%
2023 0 0%
2023 7.300.100.000 100%
2024 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.

IndusInd Bank Limited Equity
Year Equity Growth
2004 8.292.412.000
2005 8.660.589.000 4.25%
2006 10.567.881.000 18.05%
2007 13.497.134.000 21.7%
2008 16.643.942.000 18.91%
2009 23.972.313.000 30.57%
2010 40.502.118.000 40.81%
2011 47.417.080.000 14.58%
2012 76.302.536.000 37.86%
2013 90.429.624.000 15.62%
2014 106.445.344.000 15.05%
2015 176.959.754.000 39.85%
2016 206.461.209.000 14.29%
2017 238.432.593.000 13.41%
2018 266.872.452.000 10.66%
2019 382.379.317.000 30.21%
2020 469.905.509.000 18.63%
2021 505.162.842.000 6.98%
2022 550.046.200.000 8.16%
2023 632.075.600.000 12.98%
2023 583.940.000.000 -8.24%
2024 632.075.600.000 7.62%

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.

IndusInd Bank Limited Assets
Year Assets Growth
2004 156.220.052.000
2005 176.225.197.000 11.35%
2006 209.271.406.000 15.79%
2007 232.618.819.000 10.04%
2008 276.146.825.000 15.76%
2009 353.695.244.000 21.93%
2010 456.358.414.000 22.5%
2011 575.960.697.000 20.77%
2012 733.065.154.000 21.43%
2013 870.259.306.000 15.76%
2014 1.091.159.187.000 20.24%
2015 1.400.569.928.000 22.09%
2016 1.786.484.138.000 21.6%
2017 2.216.277.770.000 19.39%
2018 2.778.207.000.000 20.23%
2019 3.072.286.047.000 9.57%
2020 3.629.033.004.000 15.34%
2021 4.019.673.756.000 9.72%
2022 4.578.366.300.000 12.2%
2023 5.150.939.700.000 11.12%
2023 4.779.223.700.000 -7.78%
2024 5.301.650.000.000 9.85%

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.

IndusInd Bank Limited Liabilities
Year Liabilities Growth
2004 147.927.640.000
2005 167.564.608.000 11.72%
2006 198.703.525.000 15.67%
2007 219.121.685.000 9.32%
2008 259.502.883.000 15.56%
2009 329.722.931.000 21.3%
2010 415.856.296.000 20.71%
2011 528.543.617.000 21.32%
2012 656.762.618.000 19.52%
2013 779.829.682.000 15.78%
2014 984.713.843.000 20.81%
2015 1.223.610.174.000 19.52%
2016 1.580.022.929.000 22.56%
2017 1.977.845.177.000 20.11%
2018 2.511.334.548.000 21.24%
2019 2.689.906.730.000 6.64%
2020 3.159.127.495.000 14.85%
2021 3.514.510.914.000 10.11%
2022 4.028.320.100.000 12.75%
2023 4.518.864.100.000 10.86%
2023 405.304.500.000 -1014.93%
2024 4.645.870.000.000 91.28%

IndusInd Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
574.88
Net Income per Share
115.93
Price to Earning Ratio
11.73x
Price To Sales Ratio
2.37x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.67
EV to Sales
4.54
EV Over EBITDA
33.81
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
1.059,08 Bil.
Enterprise Value
2.031,54 Bil.
Graham Number
1455.45
Graham NetNet
-6650.87

Income Statement Metrics

Net Income per Share
115.93
Income Quality
0
ROE
0.15
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.75
EBT Per Ebit
1
Ebit per Revenue
0.27
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.27
Pretax Profit Margin
0.27
Net Profit Margin
0.2

Dividends

Dividend Yield
0.01
Dividend Yield %
1.21
Payout Ratio
0
Dividend Per Share
16.5

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
0.08
Return on Tangible Assets
0.02
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
-681,93
Book Value per Share
842,54
Tangible Book Value per Share
842.54
Shareholders Equity per Share
812.08
Interest Debt per Share
906.77
Debt to Equity
0.7
Debt to Assets
0.08
Net Debt to EBITDA
16.19
Current Ratio
0
Tangible Asset Value
655,78 Bil.
Net Current Asset Value
-4.115,10 Bil.
Invested Capital
554540000000
Working Capital
530,77 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.42

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.

IndusInd Bank Limited Dividends
Year Dividends Growth
2002 1
2003 1 0%
2004 2 0%
2005 2 0%
2007 1 0%
2008 1 0%
2009 1 100%
2010 2 0%
2011 2 50%
2012 2 0%
2013 3 33.33%
2014 4 0%
2015 4 25%
2016 5 0%
2017 6 33.33%
2018 15 60%
2019 8 -114.29%
2021 5 -40%
2022 9 37.5%
2023 14 42.86%
2024 17 12.5%

IndusInd Bank Limited Profile

About IndusInd Bank Limited

IndusInd Bank Limited provides various banking products and services to individuals, NRIs, business owners, corporates, and government and financial institutions. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers current, savings, defense, and corporate salary; and fixed and FCNR, sweep in/out deposits, senior citizen schemes, young saver deposits, and recurring and RFC deposits, as well as Rupee multiplier products. It also provides home, personal, car, two wheeler, gold, agricultural, and medical equipment loans, as well as loans against property and securities; micro-finance loans; MSME loans; business loans; loans to merchants and retailers; personal and professional loans; and loan on credit cards. In addition, the company offers transaction banking services, including letters of credit/guarantees, structured trade and export finance, and import finance solutions, as well as cash management and remittance services; investment products, such as demat account, mutual fund, gold bond, national pension system, and equity trading; project finance, supply chain financing; investment advisory, strategic M&A, and other advisory services; and health, general, life, and card protection insurance. Further, it provides debit, credit, forex, and commercial cards; individual outward remittances, foreign currency bank notes and demand drafts, and travelers cheques; financial inclusion products; trade and foreign exchange accounts; real estate developer financing and bullion services; correspondent banking services; and forex and derivative desk, information and advisory, and remittances through forex channel services. As of March 31, 2022, the company had 2,265 branches and 2,767 ATMs in India; and 5,876 distribution points, as well as representative offices in London, Dubai, and Abu Dhabi. IndusInd Bank Limited was incorporated in 1994 and is based in Mumbai, India. IndusInd Bank Limited was incorporated in 1994 and is based in Mumbai, India.

CEO
Mr. Sumant Kathpalia
Employee
45.637
Address
One World Centre
Mumbai, 400013

IndusInd Bank Limited Executives & BODs

IndusInd Bank Limited Executives & BODs
# Name Age
1 Mr. Sachin Shamkant Patange
Chief Compliance Officer
70
2 Mr. Siddharth Banerjee
Head of Investment Banking, Global Markets & Financial Institutions Group
70
3 Mr. Anil M. Rao
Chief Administrative Officer
70
4 Mr. Soumitra Sen
Head of Consumer Bank & Marketing
70
5 Mr. Sumant Kathpalia
MD, Chief Executive Officer & Additional Director
70
6 Mr. Arun Khurana
Deputy Chief Executive Officer & Whole time Executive Director and Head of Gems,Jewellery business
70
7 Mr. K. S. Sridhar
President
70
8 Mr. Indrajit Yadav
Head of Investor Relations & Strategy
70
9 Mr. Gobind Jain
Chief Financial Officer
70
10 Mr. Bhavesh Lakhani
Chief Technology Officer
70

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