Price Summary

FinStar

Ownership Below Par

Stock price may face volatility due to ownership structure.

ValuationExpensive

The stock is at a premium valuation at this point.

EfficiencyOptimal

The company could improve upon its asset employment.

FinancialsVery Stable

The company possesses stable growth history and sound margins.

Company Essentials

Market Cap

41396.75 Cr.

No. of Shares

1075.24 Cr.

Net Interest Income

8517.55 Cr.

Your Added Ratios

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 Group Companies

Ratios

ROE%

1 Year4.68%

3 Year-34.57%

5 Year-35.89%

ROA%

1 Year0.45%

3 Year-2.74%

5 Year-2.38%

Net NPA%

1 Year1.97%

3 Year5.42%

5 Year9.23%

 NIM

1 Year3.49%

3 Year2.88%

5 Year2.47%

Cost of Liabilities %

4.62476005004161

Advances Growth %

-1.30300677227192

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 94.71 0
Mar 2021 94.71 0
Dec 2020 94.71 0
Sep 2020 98.11 0
Jun 2020 98.11 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 4896.43 4689.21 4563.98 5781.75 4916.13
Other Income 1004.59 1071.85 1368.27 1180.84 1638.82
Interest Expended 3123.98 2994.08 2754.46 2541.68 2410.4
Operating Expenses 1451.02 1520.78 1538.53 1541.62 1368.48
Total Provisions 888.05 581.15 796.31 2456.65 1751.8
Profit Before Tax 437.97 665.05 842.95 422.64 1024.27
Tax 293.54 340.65 464.53 -89.56 420.97
Net Profit 144.43 324.4 378.42 512.2 603.3
Net NPA % 3.55 2.67 1.94 1.97 1.67
Gross NPA % 26.81 25.08 23.52 22.37 22.71
Return on Assets % 0.2 0.43 0.51 0.7 0.83
NPM % 2.95 6.92 8.29 8.86 12.27

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 27791.37 23026.53 22071.24 20825.11 19931.76
Other Income 4007.83 7013.58 3300.3 4470.36 4625.18
Interest Expended 22039.71 17386.21 16165.62 13847.3 11414.21
Operating Expenses 5140.81 4744.69 5153.79 6336.16 6051.95
Total Provisions 13236.71 20501.75 26879.29 14079.44 4722.16
Profit Before Tax -8618.02 -12592.53 -22827.16 -8967.43 2368.62
Taxes -3459.88 -4354.61 -7710.87 3919.9 1009.16
Net Profit -5158.14 -8237.92 -15116.29 -12887.33 1359.46
Adjusted EPS (Rs.) -25.05 -26.71 -19.54 -12.41 1.26

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 2058.82 3083.86 7736.29 10380.59 10752.4
Total Reserves 20504.83 18125.87 29875.4 23643.77 26058.67
Deposits 268538.1 247931.61 227371.72 222424.13 230898.41
Borrowings 56363.98 63185.53 45287.72 36748.86 15908.05
Other Liabilities 14408.75 17758.85 10013.35 6730.75 14146.55
Total Liabilities 361874.47 350085.72 320284.49 299928.1 297764.08
Assets
Balance with RBI 13346.92 13163.69 12730.47 10538.83 13012.8
Balance with Banks 19337.16 20522.4 8503.23 19891.57 22209.39
Investments 92934.41 91606.06 93072.63 81780.42 81022.56
Advances 190825.93 171739.95 146790.44 129841.79 128149.94
Net Block 6808.94 6269.1 7763.37 7642.15 7357.42
Other Assets 38081.27 46282.64 50956.74 49746.31 45541.97
Total Assets 361874.47 350085.72 320284.49 299928.1 297764.08

Corporate Actions

Super Investors

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 1.74 1.76 2.09 3.58 3.89
iepf 0.04 0.04 0.05 0.05 0.05
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 0.15 0.14 3.2 1.71 1.4
qualified institutional b... 0 0 0.21 0.06 0
qualified institutional b... 0 0 0.21 0.06 0

Company Presentations

IDBI Stock Price Analysis and Quick Research Report. Is IDBI an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how IDBI is performing and if it is the right time to buy the stock of IDBI with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. IDBI has earned Rs 19931.7582 Cr. revenue in the latest financial year. It has posted Poor revenue growth of -4.69714793342598 % in last 3 Years.

  • In terms of advances, the bank reported -1.30300677227192 % YOY,  fall . If you see 3 years advance growth, it stands at -9.2982435303489 %.

  • Currently the company has a CASA ratio of 50.4513073133901 %. It’s overall cost of liability stands at 4.62476005004161 %. Also, the total deposits from these accounts stood at Rs 230898.4076 Cr.

  • The Bank has a Poor ROA track record. The ROA of IDBI is at 0.454904431516426 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 27.53 % and 1.97 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -66.4606265745872 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of IDBI surged and is currently at Rs 4625.1765 Cr.

  • The company has a Good Capital Adequacy Ratio of 15.59 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently IDBI is trading at a P/B of 1.3314 . The historical average PB was 1.10702871245457.

Brief about IDBI

Contact us

Find us at the office

Humble- Micallef street no. 52, 81559 Jakarta, Indonesia

Give us a ring

Arieal Keswick
+27 450 860 545
Mon - Fri, 9:00-18:00

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