Indian Bank

BSE

INDIANB

Stock

Yield per half year: +15.42%
Dividend yield: 4.52%
Sector: Financials

Reporting Indian Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹												345.92
Выручка, млрд ₹			41.61	51.29	86.83	89.08	109.29	222.1	241.36	280.72	318.93	318.93	234.48	23.89
Чистая прибыль, млрд ₹			7.51	14.53	13.11	3.8	8.61	31.49	41.42	55.72	84.19	84.19	44.29	57.78
Баланс стоимость, млрд ₹			164.9	174.34	187.15	197.15	227.68	394.58	449.52	495.07	602.48	602.48	433.87	21.49
FCF, млрд ₹					-38.99	147.09	-89.89	165.04	284.27	-282.28	-92.44	-92.44	-3.0600	0.56
Операционный денежный поток, млрд ₹			-9.31	-150.35	-294.58	-275.09	-265.4	-322.95	-267.91	-554.46	-86.17	-86.17	-299.3780	-20.15
Операционная прибыль, млрд ₹	14.76	14.78	9.58	17.65									14.19	4.57
Операционные расходы, млрд ₹	28.38	28.25	32.02	33.63									30.57	4.33
CAPEX, млрд ₹			7.83	1.84	2.23	2.56	2.59	5.6	3.23	3.34	6.27	6.27	4.21	19.34

	2006Q2	2006Q3	2006Q4	2007Q1	2019Q1	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹														66.88	74.27	76.8	75.76	79.27	79.32	84.58	82.57	88.18	88.22	84.57	2.15
Чистая прибыль, млрд ₹														12.87	14.54	15.2	18.5	20.68	22.06	22.96	25.7	28	29.1	25.56	5.70
Баланс стоимость, млрд ₹								227.68		374.67	394.58	434.91	449.52	475.75		495.07		533.87		602.48		662.22		553.88	6.84
Операционный денежный поток, млрд ₹							-39.24	-87.3	-39.24	273.38	388.42	210.38	287.5	-263.98		-278.94		-79.85						-24.9780	-182.39
Операционная прибыль, млрд ₹	1.74	1.74	2.97	2.97																				2.35	14.30
Операционные расходы, млрд ₹	3.1	3.1	3.16	3.16																				3.13	0.48
CAPEX, млрд ₹					2.56	1.53		2.59		2.12	5.6	1.63	3.23	1.33		3.34		3.24						2.55	14.73

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			33.62	46.21	129.34	200.28	139.36	541	799.68	502.17	421.77	421.77	480.80	24.79
Long term investments ₹	469.35	460.6	532.83	677.81	716.19	652.72	818.71	1 782.92	1 765.02	1 883.66			1380.61	23.61
Total Current Assets ₹		162.43	156.95	142.79	179.02	253.25	196.16	623.54	894.6	589.93		589.93	511.50	18.43
Чистые активы, млрд ₹		29.74	35.16	34.47	34.22	39.65	38.99	73.93	76.99	74.81		74.81	60.87	13.54
Активы, млрд ₹			2 039.41	2 185.07	2 529.81	2 803.88	3 101.41	6 255.35	6 740.96	7 133.34	7 957.09	7 957.09	6237.63	20.74
Short Term Debt ₹	49.64	26.46	35.09	126.37									59.39	26.31
Long Term Debt ₹		26.46	35.09	126.37	197.6	121.38	208.3	247.63	171.53	220.92		220.92	193.95	12.72
Задолженность, млрд ₹			1 874.51	2 010.74	2 342.66	2 606.73	2 873.73	5 860.77	6 291.45	6 638.27	7 354.31	7 354.31	5803.71	20.68
Долг, млрд ₹	99.28	52.92	70.19	252.74		121.38	208.3	262.03				220.92	182.93	30.14
Interest income ₹				160.39	171.15	191.82	214.01	391.08	388.62	449.85			327.08	18.59
Расходы на обслуживание долга ₹						121.67	137.98	234.39	221.29	247.17	323.41	323.41	232.85	18.57
Чист. проц. доходы, млрд ₹			44.49	51.48	62.64	70.15	76.04	156.69	167.32	202.68	556.5	449.85	231.85	48.90
Товарно материальные запасы ₹		0.2026	0.2026	0.2026	0.2026	0.2026	0.2026	0.5138	0.5138	0.5138		0.5138	0.3893	20.46

	2006Q2	2006Q3	2006Q4	2007Q1	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹							139.36	397.89	541	761.09		799.68		526.38		502.17		408.45		421.77		403.15		452.38	-5.19
Long term investments ₹				208.92		761.11	818.71	1 797.33	1 782.92	1 827.74		1 765.02		1 842.62		1 883.66		2 041.14						1872.04	2.23
Total Receivables ₹						0.0725																		0.0725	0.00
Total Current Assets ₹	31.29	31.29	54.08	54.08		197.71	196.16	397.89						526.38		589.93								381.61	24.44
Чистые активы, млрд ₹					39.65	39.58	38.99	73.83	73.93	72.43		76.99		75.51		74.81		74.99						74.95	0.70
Активы, млрд ₹							3 101.41	5 868.54	6 281.14	6 444.14		6 740.96		6 757.91		7 133.34		7 417.27		7 957.09		8 160.85		7485.29	3.84
Short Term Debt ₹	22.61	22.61	19.36	19.36																				20.98	-3.81
Long Term Debt ₹					121.38	156.76	208.3	313.28	262.03	189.47		171.53		220.7		220.92		249.39						210.40	5.65
Задолженность, млрд ₹							2 873.73	5 493.87	5 886.55	6 009.23		6 291.45		6 282.17		6 638.27		6 883.4		7 354.31		7 498.32		6931.29	3.60
Долг, млрд ₹	45.23	45.23	26.84	38.73					262.03	209.96														116.56	35.94
Interest income ₹										94.76	99.27	98.35	101.66	107.28	118.36	122.55	130.5	137.64	142.03					130.22	3.71
Расходы на обслуживание долга ₹														60.26	63.35	67.36	73.46	80.03	83.83	86.09	88.61	91.54	93.45	88.70	2.20
Чист. проц. доходы, млрд ₹												42.57	45.46	47.02	55.01	55.19	57.04	57.61	58.19	146.33	150.41			93.92	21.40
Себестоимость, млрд ₹	0.0545	0.0545	0.0681	0.0681																				0.0613	5.73
Товарно материальные запасы ₹			0.0024	0.0024			0.2026									0.5138								0.1803	282.51

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	6.66	34.45	7.12	18.38	27.89	33.26	44.74	62.51		62.51	37.36	27.74
Цена акции ао	376.65	243.8	100.85	85.55	139.5	284.75	420.8	530.95	624.95	624.95	400.19	34.98
Число акций ао, млн			480.29	608.8	1129.37	1245.44	1245.44	1346.96		1346.96	1115.20	17.21
FCF/акцию			306.25	-147.65	146.14	228.25	-226.65	-68.63		-68.63	-13.7080	-14.21

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	8.22	10.53	10.34	11.68	12.2	14.85	16.61	17.46	17.04	20.79			17.35	6.96
Цена акции ао	148.56	157.92	182.5	257.19	283.73	292.26	369.38	422.7			542.05	624.95	450.27	16.42

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			4.56	8.33	7	1.93	3.78	7.98	9.81	11.8	15.34		15.34	13.90	9.74	32.33
ROA, %			0.3684	0.665	0.518	0.1356	0.2777	0.5034	0.6374	0.8033	1.12		1.12	2.81	0.6684	32.17
ROIC, %	6.3	6.31	4.05	3.57			3.43	6.37						5.22	4.75	0.19
ROS, %				28.33	15.09	4.27	7.88	14.18	17.16	19.85	26.4	26.4	26.4	59.46	20.80	13.24
ROCE, %												0	0	2.58
Ebit margin, %												0	0
Рентаб EBITDA, %												0	0	10.96
Чистая рентаб, %			18.06	28.33	15.09	4.27	7.88	14.18	17.16	19.85	26.4		26.4	59.46	17.09	27.35
Operation Margin, %	34.22	34.35	23.04	34.42						0	0	0	0	14.46	31.51	0.15

	2006Q2	2006Q3	2006Q4	2007Q1	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					-1.17	1.22	4.37	2.59	2.28	2.71		3.96		5.07		5.18		5.71			13.90	4.53	16.07
ROA, %					-0.0862	0.078	0.2747	0.1747	0.152	0.1905		0.4261		0.2843		0.2986		0.3474			2.81	0.3094	12.77
ROIC, %	3.21	3.21																			5.22	3.21	0.00
ROS, %											19.58	19.79	24.42	26.09	27.81	27.14	31.13	31.75	32.98	26.4	59.46	29.88	-0.55
Чистая рентаб, %										19.25	19.58	19.79	24.42	26.09	27.81	27.14	31.13	31.75	32.98		59.46	30.16	3.47
Operation Margin, %	35.9	35.9	48.45	48.46																	14.46	42.18	7.79

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					35.19	3.16	4.24	4.82	6.06	7.82		7.82	29.44	5.22	19.87
P/BV					0.6785	0.1195	0.3382	0.4437	0.6819	1.09		1.09	3.11	0.5347	55.60
P/S					1.5	0.249	0.6008	0.8264	1.2	2.06		2.06	12.17	0.9872	52.59
P/FCF									-1.23	-3.74	-3.74	-3.74	5.03	-2.9033	44.87
E/P									0.1611	0.2434	0.2434	0.2434	0.10	0.2160	14.75
EV/EBIT										0	0	0
EV/S									0	0	0	0	8.39
EV/FCF										0	0	0	-4.06
Debt/EBITDA									0	0	0	0	1.02
Netdebt/Ebitda									0	0	0	0	0.86
Debt/Ratio	0.053	0.0274	0.0344	0.1157		0.0672	0.0419		0.031	0.0278	0.0278	0.0278	0.24	0.0391	-16.18
Debt/Equity	0.7079	0.3521	0.4256	1.45		0.9149	0.6641		2.95	2.95	12.2	12.2	7.38	3.94	67.88
Debt/Net Income	8.35	5.05	9.34	17.39		24.18	8.32		3.96	2.62	2.62	2.62	12.45	8.34	-35.88
PEG											0.313	0.313		0.3130	0.00
Бета									0.2722	-0.8226	3.69	3.69	1.15	1.05	138.44
Индекс Альтмана									0.1085	0.1071	0.1071	0.1071	1.07	0.1076	-0.43

	2006Q2	2006Q3	2006Q4	2007Q1	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					7.73	5.82	4.92	10.02	12.03	11.03	10.66	7.84			29.44	10.32	-4.79
P/BV					0.3382	0.4055	0.4437	0.4867	0.6819	1.01	1.09	1.06			3.11	0.8657	16.84
P/S					2.59	1.49	1.12	1.83	2.35	2.41	2.6	2.06			12.17	2.25	2.40
P/FCF														-3.74	5.03	-3.7400	0.00
E/P														0.2434	0.10	0.2434	0.00
Debt/Ratio	0.0886	0.0886	0.0478	0.0689										0.0278	0.24	0.0643	-20.69
Debt/Equity	1.85	1.85	0.7675	1.11										12.2	7.38	3.56	45.83
Debt/Net Income	26.1	26.1	11.58	16.71										2.62	12.45	16.62	-36.86
PEG														0.313		0.3130	0.00
Бета													0.814	3.69	1.15	2.25	112.91
Индекс Альтмана													0.1071	0.1071	1.07	0.1071	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		2.34	2.02	0.7204	2.88	2.77	2.77	6.32	15.43	10.71			10.71		7.60	31.06
Дивиденд	4.7	4.2	1.5	6				2	6.5	8.6	12	16.25	16.25		9.07	52.04
Див доход, ао, %		2.77	0.9658	1.96	1.75			1.51	1.22	2.37	1.52	4.52	4.52	1.58	2.23	24.52
Дивиденды / прибыль, %		22.33	26.85	4.96	21.99		32.17	20.07	24.91	27.7	12.72		12.72	17.85	23.51	-16.94
Dividend Coverage Ratio												7.86	7.86		7.86	0.00

	2006Q2	2006Q3	2012Q2	2013Q2	2014Q1	2014Q2	2015Q2	2016Q2	2017Q2	2021Q3	2022Q1	2022Q2	2022Q3	2023Q1	2023Q2	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.505	0.505								2.49	2.49		8.1	8.1		10.71			6.38	33.88
Дивиденд			7.5	6.6	3	1.7	4.2	1.5	6	2		6.5			8.6				4.92	41.80
Див доход, ао, %			3.88	4.38	2.94	1.12	2.72	1.45	1.95	1.51		4.12			2.94			1.58	2.39	15.18
Дивиденды / прибыль, %	29.14	29.14								22.12	24.32		62.88	53.27		51.78		17.85	42.87	18.54
Dividend Coverage Ratio																	7.86		7.86	0.00

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	2.37	2.52	1.34	1.19	1.96	1.96	-3.73
Персонал, чел				41 699	41 699		0.00

	CAGR 5

	CAGR 5