Is IDBI Bank a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that IDBI Bank Ltd is a below average quality company .

Is IDBI Bank undervalued or overvalued?

The key valuation ratios of IDBI Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is IDBI Bank share price return in the past 10 years?

IDBI Bank Ltd share price has appreciated 0.4% annually (CAGR) over the past ten years.

Is IDBI Bank a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of IDBI Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of IDBI Bank?

The latest standalone P/E ratio of IDBI Bank as of 30-Dec-2024 is 12.39.

What is the P/B ratio of IDBI Bank?

The latest standalone P/B ratio of IDBI Bank as of 30-Dec-2024 is 1.81.

What is the 52-week high and low of IDBI Bank?

The 52-week high of IDBI Bank is Rs. 107.98 and the 52-week low is Rs. 65.89.

IDBI Bank Ltd - Stock Valuation and Financial Performance

Name: IDBI Bank
Brand: IDBI Bank

BSE: 500116 | NSE: IDBI | Bank - Private | Mid Cap

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IDBI Share Price

₹75.85 -0.66 -0.86%
as on 30-Dec'24 16:59

10 Year X-Ray of IDBI:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Net Interest Income (₹ Cr.)	5,777	6,127	5,786	5,670	5,940	7,013	8,554	9,194	11,461	14,219	14,268
YoY Gr. Rt. %	-	6.1%	-5.6%	-2%	4.8%	18.1%	22%	7.5%	24.7%	24.1%	-
Total Income	32,354	31,576	32,013	30,294	25,637	25,485	24,744	23,235	25,167	30,370	31,876
YoY Gr. Rt. %	-	-2.4%	1.4%	-5.4%	-15.4%	-0.6%	-2.9%	-6.1%	8.3%	20.7%	-
Adj EPS (₹ )	5.9	-17.4	-24.4	-26.4	-19.4	-12.4	1.4	2.4	3.5	5.4	6.3
YoY Gr. Rt. %	-	-397.1%	NA	NA	NA	NA	NA	67.4%	46.2%	55.9%	-
BVPS (₹ )	141.6	109.1	86.7	54.7	40.9	27.3	29.2	31.7	35.5	40.1	43.5
YoY Gr. Rt. %	-	-23%	-20.5%	-36.9%	-25.2%	-33.2%	6.8%	8.8%	11.8%	13.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.3	-1	-1.4	-2.3	-4.5	-4.1	0.5	0.8	1.2	1.7	1.8
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	2.9	0	13.2	16.7	10.1	4.2	2	1.3	0.9	0.3	-
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

CAGR Colour Code Guide ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	10.5%	19.1%	18.5%	24.1%
Total Income	-0.7%	3.5%	7.1%	20.7%
Adj EPS	-1%	NA	56.3%	55.9%
BVPS	-13.1%	-0.4%	11.2%	13.2%
Share Price	0.4%	15.4%	18.1%	12.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Interest Earned / Total Income	87.05	88.86	86.86	76.07	86.21	81.83	80.68	78.83	81.82	87.08	86.8
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	1.8	1.9	1.8	1.9	2.3	2.9	3.5	3.6	3.9	4.3	3.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	4.3	-16.1	-25.2	-47	-61.9	-42.9	4.9	7.7	10.2	14.2	14.5
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	25.1	25.9	31.5	37.1	42.5	47.8	50.5	56.8	53	50.4	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 15.00%

Total Income has increased 7.07 CAGR in last 3 years

Net Profit has increased 56.26 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - IDBI Bank Ltd.

	Standalone	Consolidated
TTM EPS (₹)	6.2	6.3
TTM Sales (₹ Cr.)	27,639	27,659
BVPS (₹.) ⓘ	42.3	43.5
Reserves (₹ Cr.) ⓘ	34,746	35,992
P/BV ⓘ	1.81	1.76
PE ⓘ	12.39	12.15

From the Market
52 Week Low / High (₹)	65.89 / 107.98
All Time Low / High (₹)	13.95 / 202.25
Market Cap (₹ Cr.)	82,267
Equity (₹ Cr.)	10,752.4
Face Value (₹)	10
Industry PE ⓘ	17.9

Management X-Ray of IDBI:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of IDBI

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of IDBI

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	32,354	31,576	32,013	30,294	25,637	25,485	24,744	23,235	25,167	30,370
Interest Income	28,164	28,058	27,805	23,046	22,102	20,854	19,962	18,316	20,592	26,446
Other Income ⓘ	4,189	3,518	4,207	7,248	3,535	4,631	4,782	4,919	4,575	3,925
Expenditure	31,396	35,200	37,082	38,451	40,650	38,333	23,295	20,717	21,480	24,607
Interest Expense	22,387	21,931	22,019	17,376	16,162	13,841	11,408	9,122	9,130	12,226
Operating Expenses	4,105	4,206	5,243	4,892	5,258	6,447	6,172	6,503	7,233	8,370
Provisions	4,904	9,063	9,820	16,183	19,229	18,045	5,716	5,093	5,117	4,010
Profit Before Tax	1,371	-4,930	-8,529	-12,512	-22,724	-8,928	2,459	2,518	5,279	8,324
Taxes	414	-1,306	-3,460	-4,355	-7,711	3,920	1,010	0	1,592	2,561
Profit After Tax	957	-3,624	-5,069	-8,157	-15,013	-12,847	1,449	2,518	3,687	5,763
Adjusted EPS (₹)	5.87	-17.44	-24.36	-26.37	-19.37	-12.36	1.41	2.36	3.45	5.38
Dividend Payout Ratio (%)	13%	0%	0%	0%	0%	0%	0%	0%	29%	28%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Share Capital ⓘ	1,604	2,059	2,059	3,084	7,736	10,381	10,752	10,752	10,752	10,752
Total Reserves ⓘ	22,771	26,000	21,203	18,824	30,610	24,455	26,876	31,819	35,567	40,321
Minority Interest	51	61	71	86	97	104	113	128	138	153
Deposits	2,59,523	2,65,087	2,68,216	2,47,777	2,27,190	2,22,214	2,30,660	2,32,850	2,55,313	2,77,366
Borrowings ⓘ	61,832	70,592	56,364	63,186	45,288	36,749	15,908	14,345	12,638	17,083
Other Liabilities	10,263	11,476	14,575	17,953	10,190	6,797	14,344	12,645	17,089	18,597
Total Liabilities ⓘ	3,56,044	3,75,275	3,62,488	3,50,909	3,21,111	3,00,699	2,98,653	3,02,540	3,31,498	3,64,272
Assets
Balance with RBI	13,157	13,827	13,350	13,169	12,732	10,539	13,013	27,796	16,639	13,991
Balance with Banks	1,486	9,481	19,383	20,612	8,572	19,956	22,295	8,005	12,608	12,018
Investments ⓘ	97,347	92,810	93,075	91,848	93,328	81,996	81,471	83,475	1,00,409	1,15,719
Advances	2,08,377	2,15,893	1,90,826	1,71,740	1,46,790	1,29,845	1,28,152	1,36,959	1,62,546	1,88,576
Net Block ⓘ	3,027	7,043	6,894	6,352	7,843	7,721	7,404	9,588	9,305	9,436
Other Assets	32,598	35,741	38,422	46,687	51,379	50,156	45,849	36,318	29,516	24,426
Total Assets ⓘ	3,56,044	3,75,275	3,62,488	3,50,909	3,21,111	3,00,699	2,98,653	3,02,540	3,31,498	3,64,272

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-1,991	-567	8,000	-12,514	-34,215	208	10,214	5,068	-2,701	-1,226
Cash Flow From Investing Activity ⓘ	-272	-715	-464	720	116	-296	-59	-195	-294	-222
Cash Flow From Financing Activity ⓘ	-61	2,927	1,889	12,843	21,622	9,279	-5,342	-4,383	-3,569	-1,794
Net Cash Flow ⓘ	-2,323	1,645	9,424	1,049	-12,477	9,191	4,813	490	-6,565	-3,242

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	6	-17	-24	-26	-19	-12	1	2	3	5
DPS (₹)	1	0	0	0	0	0	0	0	1	2
BVPS (₹)	142	109	87	55	41	27	29	32	35	40
Margin Ratios
Yield on Advances (%)	13.5	13.0	14.6	13.4	15.1	16.1	15.6	13.4	12.7	14.0
Yield on Investments (%)	8.1	7.4	8.4	10.7	7.3	8.2	8.5	6.8	6.8	7.3
Cost of Liabilities (%)	7.0	6.5	6.8	5.6	5.9	5.3	4.6	3.7	3.4	4.2
NIM (%)	1.8	1.9	1.8	1.9	2.3	2.9	3.5	3.6	3.9	4.3
Interest Spread (%)	6.6	6.5	7.8	7.8	9.1	10.7	11.0	9.7	9.3	9.9
Performance Ratios
ROA (%)	0.3	-1.0	-1.4	-2.3	-4.5	-4.1	0.5	0.8	1.2	1.7
ROE (%)	4.3	-16.1	-25.2	-47.0	-61.9	-42.9	4.9	7.7	10.2	14.2
ROCE (%)	7.2	0.1	-4.1	-10.1	-22.6	-8.0	7.4	7.0	11.4	15.7
Efficiency Ratios
Cost to Income Ratio (%)	41.2	43.6	52.5	37.9	55.5	55.4	46.3	46.1	45.1	46.1
Operating Costs to Assets (%)	1.2	1.1	1.5	1.4	1.6	2.1	2.1	2.2	2.2	2.3
Valuation Parameters
Price/Book(x)	0.5	0.6	0.9	1.3	1.1	0.7	1.3	1.4	1.3	2.0

IDBI Bank Ltd Stock News

IDBI Bank Ltd FAQs

What is the share price of IDBI?

Company share prices are keep on changing according to the market conditions. The closing price of IDBI on 30-Dec-2024 16:59 is ₹75.85.

What is the market cap of IDBI?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 30-Dec-2024 16:59 the market cap of IDBI stood at ₹82,266.6.

What is the P/E ratio of IDBI?

The latest P/E ratio of IDBI as of 30-Dec-2024 16:59 is 12.39.

What is the P/B ratio of IDBI?

The latest P/B ratio of IDBI as of 30-Dec-2024 16:59 is 1.81.

What is the 52-week high and low of IDBI?

The 52-week high of IDBI is ₹108.0 and the 52-week low is ₹65.89.

What is the TTM revenue of IDBI?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IDBI is ₹27,639 ( Cr.) .

About IDBI Bank Ltd

IDBI Bank Ltd. is operating as a full service universal bank that serves the customers from all segments. IDBI Bank has inherited a rich legacy from its predecessor entity - Industrial Development Bank of India - which was an apex Development Financial Institution (DFI) in the realm of industry from July 1, 1964 to September 30, 2004. As a DFI, the erstwhile IDBI stretched its canvas beyond mere project financing to cover an array of services that contributed towards balanced geographical spread of industries, development of identified backward areas, emergence of a new spirit of enterprise and evolution of a deep and vibrant capital market. As an universal bank, IDBI Bank touches the lives of millions of Indians through a wide array of banking products and services. Besides, the Bank has an established presence in associated financial sector businesses including capital market, investment banking and mutual fund business. The Bank’s very business philosophy is characterised by the commitment to provide relevant financial solutions, ensure maximum customer convenience through easy access to branches and ATMs as well as digital offerings and excellence in customer service.

Business area of the bank

IDBI Bank provides a wide gamut of financial products and services encompassing deposits, loans, payment services and investment solutions. It is committed to understanding its customers’ needs and aim at consistently delivering relevant financial solutions and excellent customer service. The bank provides different types of services. Retail banking: It provides a wide range of products and services like deposits, loans, NRI services, demat, pension account, mobile banking, internet banking, investment schemes such as mutual fund, insurance products, bonds, debentures etc. Corporate banking: It provides corporates project finance, film finance, foreign currency loan, working capital finance, treasury products, etc. Agri business and microfinance: It provides finance to agri businesses in the form of dairy loans, farm mechanization loans, financing for fisheries, poultry, piggery, warehouse receipt finance, etc. SME: IDBI Bank also offers products and services to SME sector.

Products/Services of the Bank

Preferred Banking
Savings Account
Kutumb - Family Banking
Flexi Current Account
Corporate Payroll Account
Fixed Deposit & Lockers
Loans
Pradhanmantri Social Security Scheme
Cards
PayApt-Mobile Wallet
24 Hours Banking
FASTag
JusTab
Trusteeship through ITSL
Sukanya Samriddhi Account

Awards and Accolades

IDBI Bank received prestigious awards under APY Prime Championship Cup & APY Formation Day organised by Pension Fund Regulatory & Development Authority (PFRDA).
Ranked 13th amongst 51 banks/ financial institutions, with respect to progress made under digital banking, as per a report by the Ministry of Electronics and Information Technology (MeitY), GoI.
Ranked 3rd in the NSDL Star Performer Awards - 2019 in New Demat Accounts opened under the PSU-Bank Category at NSDL’s 34th DP Conference held in Mumbai.
Conferred BFSI Award under Digital Financial Inclusion category at 4th India Banking Reforms Conclave held at Mumbai for undertaking excellent steps to spread digital financial inclusion in remote areas.
Awarded National Award for its outstanding performance in SHG Bank Linkages 2018-19 (Private Sector Banks Category) under Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY – NRLM).
Rajbhasha Award conferred on the Bank’s Zonal Office, New Delhi and Regional Office, Ludhiana by the respective Town Official Language Implementation Committee (TOLIC) for commendable performance in Rajbhasha implementation.
The Bank’s in-house Hindi Magazine ‘Vikas Prabha’ conferred the Best In-House Magazine citation from ‘Ashirvad’ - a renowned literary and cultural organisation.
Officials from the Department of Official Language, Ministry of Home Affairs, GoI, appreciated the inclusive implementation of Hindi in Bank’s working during their inspections.

Milestones

2010

IDBI Bank launched Portfolio Investment Scheme.

2012

IDBI Bank Launched ‘Urban Financial Inclusion Programme’ at Dhobi Ghat.
IDBI Bank Launched 24*7 Loan Monitoring System for its Retail and Corporate Clients.
IDBI Bank Launched MSE Focused Branch in Jalandhar.
IDBI Bank launched India's first online Retail G-Sec Portal.

2013

IDBI Bank Introduced Digital Signature based authentication for Corporate Inet Banking Channel IDBI Bank introduces online PPF Subscription Facility IDBI Bank establishes inland Letter of Credits (LCs) through Structured Financial Messaging System (SFMS) and introduces issuance of BRC in electronic form.
IDBI inked MoC with Exim Bank to co-finance export oriented companies.
IDBI Bank introduced online PPF Subscription Facility.

2019

IDBI Bank has amongst other parties entered Share Purchase Agreement (SPA) with Muthoot Finance (Buyer).

2020

IDBI Bank has become the first lender to enable document embedding feature on a structured financial messaging system (SFMS) managed by Indian Financial Technology and Allied Services (IFTAS).