IndusInd Bank Ltd’s fundamental analysis shows a market capitalization of ₹1,05,113.84 crore, a PE ratio of 11.65, a debt-to-equity ratio of 6.89, and a return on equity (ROE) of 15.2%. The company demonstrates strong financial performance and moderate leverage, reflecting its robust market position.
Content:
- IndusInd Bank Ltd Overview
- IndusInd Bank Financial Results
- IndusInd Bank Financial Analysis
- IndusInd Bank Company Metrics
- IndusInd Bank Stock Performance
- IndusInd Bank Peer Comparison
- IndusInd Bank Shareholding Pattern
- IndusInd Bank History
- How To Invest In IndusInd Bank Ltd Share?
- IndusInd Bank Limited Fundamental Analysis – FAQs
IndusInd Bank Ltd Overview
IndusInd Bank Ltd is a prominent Indian private sector bank specializing in retail and corporate banking services. It is renowned for its innovative banking solutions, customer-centric approach, and significant contributions to the Indian banking industry.
The company has a market capitalization of ₹1,05,113.84 crore and is listed on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Currently, the stock is trading 21.6% below its 52-week high of ₹1,694 and 0.7% above its 52-week low of ₹1,329. The all-time high of the stock is ₹2,038, while the all-time low is ₹26.2.
IndusInd Bank Financial Results
IndusInd Bank’s financial performance shows growth, with total income increasing from ₹38,230 crore in FY 22 to ₹55,144 crore in FY 24. Profitability also improved, with EPS rising from ₹62.07 to ₹115.54 and net profit from ₹4,805 crore to ₹8,977 crore.
- Revenue Trend: Total income increased from ₹38,230 crore in FY 22 to ₹44,541 crore in FY 23, and further to ₹55,144 crore in FY 24, indicating strong revenue growth.
- Equity and Liabilities: IndusInd Bank’s equity and liabilities structure reflects financial stability and strategic management. The bank maintains a balance between equity financing and manageable debt levels, ensuring sustainability and flexibility in capital allocation for growth initiatives.
- Profitability: Pre-Provision Operating Profit (PPOP) Margin decreased from 34.26% in FY 22 to 32.37% in FY 23, and further to 28.77% in FY 24, indicating a slight decline in operational efficiency.
- Earnings per Share (EPS): EPS increased from ₹62.07 in FY 22 to ₹96.01 in FY 23, and further to ₹115.54 in FY 24, indicating strong profit growth per share.
- Return on Net Worth (RoNW): RoNW has shown an improving trend over the last three years, rising from 9.73% in FY 22 to 13.60% in FY 23, and further to 14.31% in FY 24, indicating better equity utilization efficiency and profitability.
- Financial Position: The bank’s financial position strengthened with net profit increasing from ₹4,805 crore in FY 22 to ₹7,443 crore in FY 23, and further to ₹8,977 crore in FY 24, showcasing robust financial health and effective management.
IndusInd Bank Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Total Income | 55,144 | 44,541 | 38,230 |
| Total Expenses | 39,280 | 30,122 | 25,132 |
| Pre-Provisioning Operating Profit | 15,864 | 14,419 | 13,098 |
| PPOP Margin (%) | 28.77 | 32.37 | 34.26 |
| Provisions and Contingencies | 3,885 | 4,487 | 6,665 |
| Profit Before Tax | 11,979 | 9,932 | 6,433 |
| Tax % | 25.06 | 25.06 | 25.31 |
| Net Profit | 8,977 | 7,443 | 4,805 |
| EPS | 115.54 | 96.01 | 62.07 |
| Net Interest Income | 20,616 | 17,592 | 15,001 |
All values in ₹ Crores.
IndusInd Bank Company Metrics
IndusInd Bank Ltd’s market cap is ₹1,05,113.84 crore, with a book value of ₹807 per share and a face value of ₹10. It has a significant debt of ₹4,32,404 crore, an asset turnover of 0.09, a net profit of ₹8,977 crore, a dividend yield of 1.22%, and an EPS of ₹115.
Market Capitalization: IndusInd Bank Ltd’s market capitalization represents the total market value of its outstanding shares, amounting to ₹1,05,113.84 crore.
Book Value: IndusInd Bank Ltd has a book value of ₹807 per share, representing the net asset value of the company divided by the number of outstanding shares.
Face Value: The face value of IndusInd Bank Ltd’s shares is ₹10.00, which is the nominal value of each share as stated on the share certificate.
Asset Turnover: IndusInd Bank Ltd has an asset turnover ratio of 0.09, indicating the company’s efficiency in using its assets to generate revenue.
Total Debt: IndusInd Bank Ltd has a significant debt of ₹4,32,404 crore, reflecting its financial leverage and obligations.
Net Profit: The company’s net profit is ₹8,977 crore, indicating its profitability over the financial year.
Dividend Yield: IndusInd Bank Ltd has a dividend yield of 1.22%, reflecting the annual dividend income relative to its current share price.
Earnings per Share (EPS): IndusInd Bank Ltd has an EPS of ₹115, indicating the amount of profit attributed to each outstanding share of common stock, reflecting the company’s profitability for its shareholders.
IndusInd Bank Stock Performance
IndusInd Bank delivered varied returns on investment with -3.32% over 1 year, 9.67% over 3 years, and -0.72% over 5 years. This indicates mixed performance and overall profitability for investors over different periods.
| Period | Return on Investment (%) |
| 1 Year | -3.32 |
| 3 Years | 9.67 |
| 5 Years | -0.72 |
Example: If an investor had invested ₹1,000 in IndusInd Bank’s stock:
1 year ago, their investment would be worth ₹967.
3 years ago, their investment would have grown to ₹1,097.
5 years ago, their investment would have slightly decreased to approximately ₹993.
This highlights mixed performance and overall profitability for investors over different periods.
IndusInd Bank Peer Comparison
IndusInd Bank has a CMP of ₹1350.85, a market cap of ₹1,05,162.9 crore, a P/E of 11.65, an ROE of 15.25%, and a dividend yield of 1.22%. Comparatively, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDBI Bank, and Yes Bank show varied performance metrics with different market caps, P/E ratios, and returns.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| HDFC Bank | 1660.1 | 1265116.72 | 18.56 | 17.14 | 89.75 | 2.55 | 7.67 | 1.17 |
| ICICI Bank | 1172.8 | 825206.08 | 18.21 | 18.8 | 64.56 | 23.08 | 7.6 | 0.85 |
| Axis Bank | 1164.3 | 359615.93 | 13.45 | 18.4 | 86.63 | 24.23 | 7.06 | 0.09 |
| Kotak Mah. Bank | 1772.55 | 352444.01 | 18.91 | 15.06 | 108.22 | -1.06 | 7.86 | 0.11 |
| IndusInd Bank | 1350.85 | 105162.9 | 11.65 | 15.25 | 115.41 | -3.32 | 7.93 | 1.22 |
| IDBI Bank | 95.79 | 103018.25 | 16.37 | 11.77 | 5.85 | 48.74 | 6.23 | 1.57 |
| Yes Bank | 24.42 | 76553.66 | 52.63 | 3.18 | 0.49 | 43.23 | 5.83 | 0 |
IndusInd Bank Shareholding Pattern
IndusInd Bank’s shareholding pattern from FY 2023 to FY 2024 shows promoters’ holdings slightly decreasing from 16.5% to 16.4%. FIIs decreased from 42.16% to 40.25%, DIIs increased from 27.03% to 28.58%, and retail and others’ holdings rose from 14.33% to 14.78%.
| FY 2024 | FY 2023 | FY 2022 | |
| Promoters | 16.4 | 16.5 | 16.52 |
| FII | 40.25 | 42.16 | 46.33 |
| DII | 28.58 | 27.03 | 21.84 |
| Retail & others | 14.78 | 14.33 | 15.29 |
All values in %
IndusInd Bank History
IndusInd Bank was established in 1994 as a new-generation private sector bank in India. It was the first bank to be set up under the liberalization policies of the Indian government, aimed at fostering private sector participation in banking.
The bank was named after the Indus Valley Civilization, symbolizing a rich heritage of banking and commerce. IndusInd Bank was inaugurated by then Union Finance Minister Dr. Manmohan Singh, marking a significant step towards the modernization of the Indian banking sector.
IndusInd Bank focused on both corporate and retail banking, offering a wide range of financial products and services. Its innovative approach and customer-centric philosophy helped it gain a strong foothold in the competitive banking industry, attracting a diverse clientele.
In the 2000s, IndusInd Bank expanded rapidly, increasing its branch network and incorporating advanced technology to enhance customer experience. The bank’s strategic mergers and acquisitions further solidified its market position, enabling it to offer comprehensive banking solutions.
Today, IndusInd Bank is one of India’s leading private sector banks, known for its robust financial performance and innovative services. It continues to evolve with a focus on digital banking, sustainability, and inclusive growth, contributing significantly to India’s financial ecosystem.
How To Invest In IndusInd Bank Ltd Share?
Investing in IndusInd Bank Ltd shares is a straightforward process:
- Open a Demat Account: Start by opening a Demat and trading account with a reliable brokerage firm like Alice Blue.
- Complete KYC: Submit necessary documents for KYC verification.
- Fund Your Account: Deposit funds into your trading account.
- Buy Shares: Search for IndusInd Bank Ltd shares and place your buy order.
IndusInd Bank Limited Fundamental Analysis – FAQs
IndusInd Bank’s fundamental analysis shows a market capitalization of ₹1,05,113.84 crore, a PE ratio of 11.65, a debt-to-equity ratio of 6.89, and an ROE of 15.2%, indicating strong financial performance and moderate leverage.
IndusInd Bank Ltd has a market capitalization of ₹1,05,113.84 crore, reflecting its substantial market value and strong position in the banking sector.
IndusInd Bank Limited is a private sector bank in India, offering a wide range of banking products and financial services to corporate and retail customers, known for its innovative banking solutions.
IndusInd Bank is publicly owned, with major shareholders including institutional investors, individual shareholders, and corporate bodies. The Hinduja Group is a significant promoter of the bank.
The main shareholders of IndusInd Bank include promoters holding 16.4%, FIIs with 40.25%, DIIs with 28.58%, and retail and others holding 14.78%.
IndusInd Bank operates in the banking and financial services industry, providing a range of banking products, financial services, and solutions to corporate, commercial, and retail customers.
To invest in IndusInd Bank shares, open a brokerage account, complete KYC, deposit funds, and purchase shares through the stock exchange using your broker’s platform or app.
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