Kotak Mahindra Bank Limited Logo

Kotak Mahindra Bank Limited

KOTAKBANK.NS

(3.5)
Stock Price

1.871,95 INR

2.54% ROA

14.83% ROE

21.21x PER

Market Cap.

3.643.639.372.500,00 INR

50.92% DER

0.08% Yield

26.37% NPM

Kotak Mahindra Bank Limited Stock Analysis

Kotak Mahindra 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.

Kotak Mahindra Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.39%) 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 Net Profit Growth

This company has consistently achieved strong net profit growth over the past five years, demonstrating a solid financial performance and making it an appealing investment option.

4 Assets Growth

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

5 ROA

The stock's ROA (2.33%) 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.

6 PBV

The stock's PBV ratio (2.9x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 DER

The stock has a reasonable amount of debt compared to its ownership (51%), suggesting a balanced financial position and a moderate level of risk.

8 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

9 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (7.300) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

Kotak Mahindra 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.

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

Kotak Mahindra 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.

Kotak Mahindra Bank Limited Revenue
Year Revenue Growth
2004 14.342.457.000
2005 25.151.814.000 42.98%
2006 33.752.417.000 25.48%
2007 58.619.905.000 42.42%
2008 52.945.075.000 -10.72%
2009 82.804.430.000 36.06%
2010 83.947.231.000 1.36%
2011 84.718.605.000 0.91%
2012 96.579.351.000 12.28%
2013 105.153.806.000 8.15%
2014 141.681.741.000 25.78%
2015 163.037.890.000 13.1%
2016 217.969.706.000 25.2%
2017 253.367.037.000 13.97%
2018 299.642.850.000 15.44%
2019 333.357.136.000 10.11%
2020 426.142.532.000 21.77%
2021 463.407.885.000 8.04%
2022 522.332.200.000 11.28%
2023 640.960.000.000 18.51%

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.

Kotak Mahindra 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%

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.

Kotak Mahindra Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 15.429.000
2005 22.184.000 30.45%
2006 26.747.000 17.06%
2007 1.607.160.000 98.34%
2008 1.870.317.000 14.07%
2009 1.444.615.000 -29.47%
2010 1.796.162.000 19.57%
2011 2.229.934.000 19.45%
2012 2.690.228.000 17.11%
2013 3.148.228.000 14.55%
2014 4.008.367.000 21.46%
2015 5.640.141.000 28.93%
2016 5.879.784.000 4.08%
2017 8.316.290.000 29.3%
2018 9.303.162.000 10.61%
2019 9.811.768.000 5.18%
2020 8.372.055.000 -17.2%
2021 11.938.671.000 29.87%
2022 14.392.400.000 17.05%
2023 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.

Kotak Mahindra Bank Limited EBITDA
Year EBITDA Growth
2004 6.607.282.000
2005 15.230.300.000 56.62%
2006 18.431.954.000 17.37%
2007 33.555.568.000 45.07%
2008 32.061.624.000 -4.66%
2009 33.647.581.000 4.71%
2010 44.725.901.000 24.77%
2011 66.238.527.000 32.48%
2012 93.319.373.000 29.02%
2013 101.689.267.000 8.23%
2014 117.333.457.000 13.33%
2015 165.189.546.000 28.97%
2016 191.430.077.000 13.71%
2017 220.623.428.000 13.23%
2018 263.051.776.000 16.13%
2019 113.592.610.000 -131.57%
2020 132.151.439.000 14.04%
2021 160.653.215.000 17.74%
2022 197.502.496.000 18.66%
2023 237.060.800.000 16.69%

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.

Kotak Mahindra Bank Limited Gross Profit
Year Gross Profit Growth
2004 14.342.457.000
2005 25.151.814.000 42.98%
2006 33.752.417.000 25.48%
2007 58.619.905.000 42.42%
2008 52.945.075.000 -10.72%
2009 82.804.430.000 36.06%
2010 83.947.231.000 1.36%
2011 84.718.605.000 0.91%
2012 96.579.351.000 12.28%
2013 105.153.806.000 8.15%
2014 141.681.741.000 25.78%
2015 163.037.890.000 13.1%
2016 217.969.706.000 25.2%
2017 253.367.037.000 13.97%
2018 299.642.850.000 15.44%
2019 333.357.136.000 10.11%
2020 426.142.532.000 21.77%
2021 463.407.885.000 8.04%
2022 522.332.200.000 11.28%
2023 640.960.000.000 18.51%

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.

Kotak Mahindra Bank Limited Net Profit
Year Net Profit Growth
2004 1.709.067.000
2005 7.297.490.000 76.58%
2006 5.382.420.000 -35.58%
2007 9.912.266.000 45.7%
2008 6.523.863.000 -51.94%
2009 13.070.005.000 50.09%
2010 15.667.447.000 16.58%
2011 18.322.353.000 14.49%
2012 21.884.624.000 16.28%
2013 24.649.896.000 11.22%
2014 30.454.502.000 19.06%
2015 34.588.488.000 11.95%
2016 49.404.338.000 29.99%
2017 62.009.736.000 20.33%
2018 72.041.305.000 13.92%
2019 85.933.610.000 16.17%
2020 99.902.039.000 13.98%
2021 120.893.915.000 17.36%
2022 149.250.100.000 19%
2023 178.441.600.000 16.36%

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.

Kotak Mahindra Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 6 80%
2006 4 -25%
2007 7 42.86%
2008 5 -75%
2009 9 55.56%
2010 11 10%
2011 12 16.67%
2012 15 14.29%
2013 16 12.5%
2014 20 15.79%
2015 19 -5.56%
2016 27 30.77%
2017 33 18.75%
2018 38 13.51%
2019 45 15.91%
2020 51 12%
2021 61 16.67%
2022 75 18.92%
2023 90 16.85%

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.

Kotak Mahindra Bank Limited Free Cashflow
Year Free Cashflow Growth
2004 -6.657.699.000
2005 -1.497.552.000 -344.57%
2006 9.426.674.000 115.89%
2007 -5.081.074.000 285.53%
2008 -18.181.821.000 72.05%
2009 11.407.301.000 259.39%
2010 -18.841.666.000 160.54%
2011 -13.680.331.000 -37.73%
2012 26.411.102.000 151.8%
2013 65.415.074.000 59.63%
2014 26.685.534.000 -145.13%
2015 46.994.845.000 43.22%
2016 127.974.701.000 63.28%
2017 -108.182.434.000 218.3%
2018 12.974.201.000 933.83%
2019 461.662.071.000 97.19%
2020 45.125.410.000 -923.06%
2021 77.482.239.000 41.76%
2022 -22.291.900.000 447.58%
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.

Kotak Mahindra Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -5.989.192.000
2005 -676.942.000 -784.74%
2006 10.788.525.000 106.27%
2007 -3.075.809.000 450.75%
2008 -16.773.123.000 81.66%
2009 15.688.588.000 206.91%
2010 -17.385.920.000 190.24%
2011 -11.825.924.000 -47.02%
2012 28.633.719.000 141.3%
2013 69.838.355.000 59%
2014 29.604.601.000 -135.9%
2015 50.245.847.000 41.08%
2016 132.019.690.000 61.94%
2017 -103.924.057.000 227.03%
2018 18.223.830.000 670.26%
2019 466.188.289.000 96.09%
2020 48.811.312.000 -855.08%
2021 84.179.934.000 42.02%
2022 -12.424.300.000 777.54%
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.

Kotak Mahindra Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2004 668.507.000
2005 820.610.000 18.54%
2006 1.361.851.000 39.74%
2007 2.005.265.000 32.09%
2008 1.408.698.000 -42.35%
2009 4.281.287.000 67.1%
2010 1.455.746.000 -194.1%
2011 1.854.407.000 21.5%
2012 2.222.617.000 16.57%
2013 4.423.281.000 49.75%
2014 2.919.067.000 -51.53%
2015 3.251.002.000 10.21%
2016 4.044.989.000 19.63%
2017 4.258.377.000 5.01%
2018 5.249.629.000 18.88%
2019 4.526.218.000 -15.98%
2020 3.685.902.000 -22.8%
2021 6.697.695.000 44.97%
2022 9.867.600.000 32.12%
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.

Kotak Mahindra Bank Limited Equity
Year Equity Growth
2004 14.729.095.000
2005 22.589.513.000 34.8%
2006 32.614.411.000 30.74%
2007 58.821.203.000 44.55%
2008 66.144.527.000 11.07%
2009 79.657.458.000 16.96%
2010 109.998.584.000 27.58%
2011 129.358.670.000 14.97%
2012 152.673.323.000 15.27%
2013 190.845.349.000 20%
2014 221.563.119.000 13.86%
2015 333.640.546.000 33.59%
2016 384.927.109.000 13.32%
2017 504.882.345.000 23.76%
2018 582.818.047.000 13.37%
2019 671.369.848.000 13.19%
2020 848.386.033.000 20.87%
2021 971.653.360.000 12.69%
2022 1.123.144.000.000 13.49%
2023 1.208.153.500.000 7.04%

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.

Kotak Mahindra Bank Limited Assets
Year Assets Growth
2004 114.454.549.000
2005 179.673.379.000 36.3%
2006 286.308.094.000 37.24%
2007 405.971.738.000 29.48%
2008 402.338.391.000 -0.9%
2009 551.148.144.000 27%
2010 736.811.272.000 25.2%
2011 923.493.938.000 20.21%
2012 1.158.346.606.000 20.27%
2013 1.222.366.338.000 5.24%
2014 1.485.757.620.000 17.73%
2015 2.408.035.759.000 38.3%
2016 2.761.875.587.000 12.81%
2017 3.377.204.737.000 18.22%
2018 3.951.712.481.000 14.54%
2019 4.431.727.117.000 10.83%
2020 4.788.726.859.000 7.46%
2021 5.464.979.078.000 12.37%
2022 6.204.297.300.000 11.92%
2023 6.780.025.700.000 8.49%

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.

Kotak Mahindra Bank Limited Liabilities
Year Liabilities Growth
2004 96.126.283.000
2005 154.375.216.000 37.73%
2006 253.384.283.000 39.07%
2007 346.638.201.000 26.9%
2008 335.565.262.000 -3.3%
2009 470.682.100.000 28.71%
2010 625.740.576.000 24.78%
2011 792.534.711.000 21.05%
2012 1.003.586.109.000 21.03%
2013 1.028.812.068.000 2.45%
2014 1.260.837.589.000 18.4%
2015 2.070.439.228.000 39.1%
2016 2.372.204.217.000 12.72%
2017 2.872.322.392.000 17.41%
2018 3.368.894.434.000 14.74%
2019 3.760.357.269.000 10.41%
2020 3.940.340.826.000 4.57%
2021 4.493.325.718.000 12.31%
2022 5.081.153.300.000 11.57%
2023 615.241.600.000 -725.88%

Kotak Mahindra Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
313.94
Net Income per Share
86.42
Price to Earning Ratio
21.21x
Price To Sales Ratio
5.84x
POCF Ratio
7981.29
PFCF Ratio
7983.01
Price to Book Ratio
3.02
EV to Sales
6.02
EV Over EBITDA
16.21
EV to Operating CashFlow
8224.93
EV to FreeCashFlow
8224.93
Earnings Yield
0.05
FreeCashFlow Yield
0
Market Cap
3.643,64 Bil.
Enterprise Value
3.754,06 Bil.
Graham Number
1087.31
Graham NetNet
-55.57

Income Statement Metrics

Net Income per Share
86.42
Income Quality
0
ROE
0.15
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.76
EBT Per Ebit
0.99
Ebit per Revenue
0.35
Effective Tax Rate
0.25

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
0.35
Pretax Profit Margin
0.35
Net Profit Margin
0.26

Dividends

Dividend Yield
0
Dividend Yield %
0.08
Payout Ratio
0
Dividend Per Share
1.5

Operating Metrics

Operating Cashflow per Share
0.23
Free CashFlow per Share
0.23
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.09
Return on Tangible Assets
0.03
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
254,05
Book Value per Share
608,00
Tangible Book Value per Share
3098.31
Shareholders Equity per Share
608
Interest Debt per Share
402.23
Debt to Equity
0.51
Debt to Assets
0.09
Net Debt to EBITDA
0.48
Current Ratio
0
Tangible Asset Value
6.156,65 Bil.
Net Current Asset Value
-110,42 Bil.
Invested Capital
0.51
Working Capital
504,82 Bil.
Intangibles to Total Assets
0
Average Receivables
54,68 Bil.
Average Payables
7,78 Bil.
Average Inventory
0
Debt to Market Cap
0.17

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.

Kotak Mahindra Bank Limited Dividends
Year Dividends Growth
2002 4
2003 2 -50%
2004 2 0%
2005 1 -100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2021 1 0%
2022 1 100%
2023 2 0%

Kotak Mahindra Bank Limited Profile

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited, provides banking and financial services to corporate and individual customers in India. It operates through Treasury, BMU, and Corporate Centre; Retail Banking; Corporate/Wholesale Banking; Vehicle Financing; Other Lending Activities; Broking; Advisory and Transactional Services; Asset Management; and Insurance segments. The Treasury, BMU and Corporate Centre segment engages in money market, forex market, derivatives, and investments; and the primary dealership of government securities and balance sheet management unit (BMU) responsible for asset liability management. The Retail Banking segment offers commercial vehicle finance, personal, home, and other loans/services, and agriculture finance services. This segment also provides savings, current, and term deposit accounts; branch banking network and services, including distribution of financial products; and credit cards. The Corporate/Wholesale Banking segment offers wholesale borrowings and lending, and other related services to the corporate sector. The Vehicle Financing segment provides retail vehicle and wholesale trade finance to auto dealers. The Other Lending Activities segment offers financing against securities, securitization, and other loans/services. The Broking segment provides brokerage income on market transactions and delayed payments interest; and distributes financial products. The Advisory and Transactional Services segment offers mergers and acquisition advice, and equity/debt issue management services. The Asset Management segment engages in the management of funds and investments on behalf of clients and funds. The Insurance segment provides life insurance and general insurance products. As of March 31, 2022, it had a network of 1,700 branches and 2,705 ATMs; and branches in GIFT City and DIFC, Dubai. Kotak Mahindra Bank Limited was incorporated in 1985 and is headquartered in Mumbai, India.

CEO
Mr. Ashok Valiram Vaswani
Employee
103.317
Address
Bandra Kurla Complex
Mumbai, 400051

Kotak Mahindra Bank Limited Executives & BODs

Kotak Mahindra Bank Limited Executives & BODs
# Name Age
1 Mr. S. A. Narayan
President of Commercial Banking & Retail Broking and Member of Executive Board
70
2 Mr. Arvind Kathpalia B.A., M.B.A.
President, Group Chief Risk Officer & Member of Executive Board
70
3 Mr. Jaimin Mukund Bhatt
Group President, Group Chief Financial Officer & Member of Executive Board
70
4 Mr. Milind Nagnur
President & Chief Technology Officer
70
5 Mr. Mohan Narayan Shenoi
Member of Executive Board
70
6 Mr. Ashok Valiram Vaswani
MD & Chief Executive Officer
70
7 Ms. Shanti Ekambaram
Group President of Consumer Bank, Member of Executive Board & Whole-Time Director
70
8 Mr. Devarajan Kannan
Group Head of Commercial Banking & Member of Executive Board
70
9 Mr. Venkattu Srinivasan
Group Head of Asset Reconstruction & Structured Credit and Member of Executive Board
70
10 Mr. Krishnan Venkat Subramanian Manian
President of Corporate, Institutional & IB, Member of Executive Board and Whole time Director
70

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