ScoreWhy is IDBI Bank Ltd. ?
1
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 07-May-26 and has generated -3.59% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
2
Despite the size of the company, domestic mutual funds hold only 1.04% of the company
- Domestic mutual funds have capability to do in-depth on-the-ground research on companies- their small stake may signify either they are not comfortable at the price or the business
3
Below par performance in long term as well as near term
- Along with generating -22.20% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IDBI Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IDBI Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
IDBI Bank
-7.97%
-0.52
43.00%
Sensex
-4.95%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.35%
Net Profit Growth (5y)
47.57%
Advance to Deposit
66.75%
Capital Adequacy Ratio (Tier 1)
20.79%
Gross NPA (latest)
2.32%
Gross NPA (avg)
7.27%
Coverage Ratio (avg)
92.47%
Cost to Income (avg)
45.47%
Net Interest Margin (avg)
4.30%
Operating Profit to Assets (avg)
5.21%
ROA (avg)
1.47%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Price to Book Value
1.44
PEG Ratio
0.38
Dividend Yield
2.32%
ROE (Latest)
14.07%
ROA (Latest)
2.04%
Net NPA to Book Value
0.56
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
GROSS NPA(Q)
Lowest at 2.32%
PAT(9M)
At Rs 7,505.98 cr has Grown at 29.50%
NII(Q)
Highest at Rs 3,851.42 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 33,230.37 cr
INTEREST EARNED(Q)
Highest at Rs 7,798.47 cr
PBDIT(Q)
Highest at Rs 1,432.40 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 18.37%
NET NPA(Q)
Lowest at 0.15%
-4What is not working for the Company
PAT(Q)
At Rs 1,943.17 cr has Fallen at -19.2% (vs previous 4Q average
PBT LESS OI(Q)
At Rs 1,147.09 cr has Fallen at -7.1% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 58.41 % of Profit Before Tax (PBT
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Here's what is working for IDBI Bank
Gross NPA - Quarterly
Lowest at 2.32% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 3,851.42 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 7,798.47 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,432.40 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 18.37%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Net NPA - Quarterly
Lowest at 0.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 33,230.37 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CAR - Quarterly
Highest at 26.65%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for IDBI Bank
Profit After Tax (PAT) - Quarterly
At Rs 1,943.17 cr has Fallen at -19.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 2,405.34 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,147.09 cr has Fallen at -7.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,234.40 CrMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 58.41 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
