ScoreWhy is IndusInd Bank Ltd. ?
1
High Profitability with a Net Interest Margin of 4.64%
2
The Bank has a high Capital Adequacy Ratio of 16.06% signifying high buffers against its risk based assets
3
Poor long term growth as Net profit has grown by an annual rate of -19.93%
4
Flat results in Mar 26
- PAT(9M) At Rs 249.08 cr has Grown at -49.24%
- CREDIT DEPOSIT RATIO(HY) Lowest at 78.93%
- NON-OPERATING INCOME(Q) is 233.44 % of Profit Before Tax (PBT)
5
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 21-May-26 and has generated 3.06% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band and OBV
6
With ROA of 0.2, it has a Expensive valuation with a 1.1 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.87%, its profits have fallen by -64.7%
7
42.78% of Promoter Shares are Pledged
- In falling markets, high promoter pledged shares puts additional downward pressure on the stock prices
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to IndusInd 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 IndusInd Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
IndusInd Bank
30.35%
0.56
29.90%
Sensex
-1.65%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
3.90%
Net Profit Growth (5y)
-17.88%
Advance to Deposit
84.74%
Capital Adequacy Ratio (Tier 1)
16.23%
Gross NPA (latest)
3.25%
Gross NPA (avg)
2.64%
Coverage Ratio (avg)
70.96%
Cost to Income (avg)
52.60%
Net Interest Margin (avg)
4.19%
Operating Profit to Assets (avg)
5.65%
ROA (avg)
1.36%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
60
Price to Book Value
1.22
PEG Ratio
9.76
Dividend Yield
0.15%
ROE (Latest)
1.92%
ROA (Latest)
0.23%
Net NPA to Book Value
4.75
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
GROSS NPA(Q)
Lowest at 3.25%
NII(Q)
Highest at Rs 4,684.72 cr
PBDIT(Q)
Highest at Rs 897.80 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.94%
PBT LESS OI(Q)
Highest at Rs -442.12 cr.
PAT(Q)
Highest at Rs 1,002.50 cr.
EPS(Q)
Highest at Rs 12.87
NET NPA(Q)
Lowest at 0.95%
-5What is not working for the Company
INTEREST EARNED(Q)
At Rs 11,309.94 cr has Grown at -7.78%
NON-OPERATING INCOME(Q)
is 132.91 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IndusInd Bank
Gross NPA - Quarterly
Lowest at 3.25% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
At Rs 1,002.50 cr has Grown at 46.5%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 4,684.72 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 897.80 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.94%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -442.12 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,002.50 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 12.87
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.95%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for IndusInd Bank
Interest Earned - Quarterly
At Rs 11,309.94 cr has Grown at -7.78%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Non Operating Income - Quarterly
is 132.91 % 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
