Idbi Bank Limited, Fundamental analysis

Idbi Bank Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	21
Equity Latest Equity	10752.4
Face Value Latest Face Value	10
Reserves Total Reserve	49795.59
Dividend Full Year Dividend %	0
Sales Turnover Full Year Net Sales	35656.35
Net Profit Full Year Net Profit	9203.81
Full Year CPS Full Year Cash Per Share	9.1
Earning Per Share Full Year Earning Per Share	8.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	8633.28
Previous EPS Previous earnings per share	0
Book Value Book value	56.3
Networth Full Year Return on Networth	16.54
Price/Book Value Price to Book value	1.509769
Yearly PE ratio Full Year Price to Earning per share	9.9
Yearly PC ratio Full Year Price to Cash Per Share	9.3
Bse value BSE Value in lakhs	514.68
Nse value NSE Value in lakhs	6294.6
High 52 week high	118
Low 52 week low	61
Price NSE Current market price	85
CPM Current market price	85

Market cap BSE / NSE Market Cap	91352.41
Net profit Latest Quarter Net Profit	2127.14
Net profit variance Latest Quarter Net Profit variance	5
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	31875.81
TTM OP Trailing Twelve 12 month Operating Profit	22532.66
TTM OPM Trailing Twelve 12 month Operating Profit Margin	70.69
TTM GP Trailing Twelve 12 month Gross Profit	11930.71
TTM GPM Trailing Twelve 12 month Gross Profit Margin	33.36
TTM NP Trailing Twelve 12 month Net Profit	6768.57
TTM NPV Trailing Twelve 12 month Net Profit Variane	17.72
TTM EPS Trailing Twelve 12 month EPS	8.67
TTM PE Trailing Twelve 12 month PE	9.8
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	10752.4
LTP Latest Price (BSE/NSE)	85
Gross block Latest Gross Block	13060.06
Loans Total loans	346776.14
Advances Latest Advances for Banks	253623.57
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	71
Year GPM Full Year Gross Profit Margin	27.6
Quarter OPM Latest quater Operation Profit Margin	79.7

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	7,445	7,819	6,983	7,027	7,109	7,080	7,804	7,549
YOY Sales Growth %	23%	19%	-0%	5%	-5%	-9%	12%	7%
Gross Sales	7,445	7,819	6,983	7,027	7,109	7,080	7,804	7,549
+ Expenses	2,781	2,382	2,415	2,091	1,651	2,000	2,757	1,751
Manufacturing Cost %	15%	14%	16%	16%	18%	18%	17%	16%
Employee Cost %	15%	14%	15%	16%	15%	17%	15%	16%
Other Cost %	7%	2%	3%	-3%	-9%	-8%	4%	-8%
Other Manufacturing Expenses %	15%	14%	16%	16%	18%	18%	17%	16%
Provisions & Contingencies %	7%	2%	3%	-3%	-9%	-8%	4%	-8%
Operating Profit	4,664	5,437	4,568	4,936	5,458	5,080	5,046	5,798
OPM %	63%	70%	65%	70%	77%	72%	65%	77%
+ Other Income	1,368	810	2,107	1,472	2,155	1,271	1,714	1,084
Miscellaneous Income	1,368	810	2,107	1,472	2,155	1,271	1,714	1,084
Interest / Discount on Advances or Bills	5,257	4,824	4,720	4,771	4,780	4,813	5,039	5,231
Interest on Investments	2,027	2,067	2,081	2,038	2,068	1,964	2,144	2,029
Interest on Balances with RBI	119	78	138	188	233	262	282	257
Other Interest	42	851	44	30	29	41	339	32
Interest	3,562	3,583	3,683	3,851	3,816	3,862	3,944	4,053
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	2,470	2,664	2,991	2,557	3,797	2,489	2,816	2,829
+ Tax %	25%	28%	31%	21%	15%	21%	29%	25%
Current Tax	621	734	919	533	556	530	828	699
+ Net Profit	1,869	1,954	2,094	2,024	3,241	1,959	2,013	2,131
Profit / Loss of Associates	21	25	22	0	0	0	25	0
Minority Interest (After Tax)	-8	-6	-7	-5	-11	-5	-5	-3
Net Profit After Minority Interest	1,861	1,948	2,087	2,019	3,230	1,954	2,007	2,127
EPS in Rs	1.73	1.81	1.94	1.88	3.00	1.82	1.87	1.98

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	27,805	23,046	22,102	20,854	19,956	18,316	20,592	26,446	28,917	29,020
Sales Growth %		-17%	-4%	-6%	-4%	-8%	12%	28%	9%	0%
Gross Sales	27,791	23,027	22,102	20,854	19,962	18,316	20,592	26,446	28,917	29,020
+ Expenses	18,591	25,501	32,165	20,541	10,912	10,432	10,772	9,827	9,199	8,524
Manufacturing Cost %	0%	0%	0%	0%	0%	1%	0%	0%	0%	1%
Employee Cost %	8%	8%	10%	16%	16%	18%	18%	17%	15%	16%
Other Cost %	58%	102%	135%	82%	38%	39%	34%	20%	17%	13%
Other Manufacturing Expenses %	0%	0%	0%	0%	0%	1%	0%	0%	0%	1%
Selling & Administration %	7%	9%	10%	10%	10%	12%	12%	10%	10%	11%
Miscellaneous Expenses %	49%	72%	89%	70%	26%	24%	20%	8%	16%	9%
Provisions & Contingencies %	46%	89%	122%	68%	23%	21%	17%	5%	2%	-4%
Operating Profit	9,214	-2,454	-10,063	313	9,044	7,884	9,819	16,618	19,718	20,496
OPM %	33%	-11%	-46%	2%	45%	43%	48%	63%	68%	71%
+ Other Income	4,207	7,248	3,535	4,631	4,848	4,959	4,617	3,975	5,209	6,637
Miscellaneous Income	3,623	7,013	3,538	4,631	4,654	4,919	4,575	3,925	5,142	6,612
Interest / Discount on Advances or Bills	19,310	15,694	14,382	13,095	11,819	11,990	13,336	17,968	19,224	19,403
Interest on Investments	6,575	5,899	6,447	5,788	5,169	4,631	5,959	7,755	8,274	8,213
Interest on Balances with RBI	457	233	193	454	649	715	561	337	414	965
Other Interest	1,449	1,201	1,080	1,517	2,325	980	736	386	1,006	439
Interest	22,019	17,376	16,162	13,841	11,408	9,122	9,130	12,226	14,257	15,474
Depreciation	362	377	370	394	397	417	499	543	538	617
Profit before tax	-8,618	-12,593	-22,690	-8,897	2,484	3,720	5,305	8,367	10,670	11,658
+ Tax %	40%	-0%	-0%	-44%	42%	32%	30%	31%	0%	0%
Current Tax	-3,429	0	0	3,951	1,036	1,203	1,618	2,604	0	0
+ Net Profit	-5,086	-8,197	-14,974	-12,819	1,532	2,518	3,687	5,763	7,589	9,211
Profit Growth %		60%	82%	-14%	-111%	74%	46%	56%	32%	21%
Profit / Loss of Associates	73	41	43	28	83	0	0	0	0	0
Minority Interest (After Tax)	-19	-17	-17	-16	-18	-23	-22	-26	-26	-27
Net Profit After Minority Interest	-5,016	-8,132	-14,987	-12,835	1,514	2,534	3,706	5,788	7,631	9,210
EPS in Rs	0.00	0.00	0.00	-12.38	1.35	2.38	3.47	5.41	7.12	8.59

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	2,059	3,084	7,736	10,381	10,752	10,752	10,752	10,752	10,752	10,752
Reserves	21,204	18,824	30,610	24,455	26,876	31,819	35,567	40,321	50,868	57,812
+ Borrowings	324,580	310,962	272,478	258,963	246,615	247,195	267,951	294,448	329,825	374,880
Secured Borrowings	56,364	63,186	45,288	36,749	15,908	14,345	12,638	17,083	19,932	28,104
Unsecured Borrowings	268,216	247,777	227,190	222,214	230,707	232,850	255,313	277,366	309,893	346,776
Deferred Credit	22,256	18,249	11,640	8,534	1,119	629	559	1,439	7,771	10,820
+ Other Liabilities	14,646	18,039	10,287	6,901	14,410	12,773	17,227	19,138	21,562	23,942
Current Liabilities	15,074	18,461	10,654	7,113	14,607	12,954	17,398	19,294	21,668	26,353
Provisions	12	0	0	0	0	0	0	0	0	0
Minority Interest	71	86	97	104	113	128	138	153	165	178
Total Liabilities	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	413,008	467,386
+ Fixed Assets	6,893	6,350	7,842	7,719	7,402	9,587	9,303	9,435	12,120	9,685
Gross Block	8,909	9,263	10,830	10,123	10,166	12,054	12,176	12,821	15,052	13,060
Accumulated Depreciation	2,016	2,913	2,988	2,403	2,764	2,467	2,873	3,386	2,933	3,375
CWIP	541	502	468	488	471	400	477	108	80	90
Investments	93,075	91,848	93,328	81,996	81,471	83,475	100,409	115,719	118,453	128,440
+ Other Assets	261,980	252,208	219,474	210,496	209,309	209,078	221,309	239,398	282,355	329,171
Cash Equivalents	32,732	33,781	21,304	30,495	35,308	35,800	29,247	26,009	44,477	56,915
Loans n Advances	229,746	218,935	198,634	180,318	174,311	173,586	192,370	213,698	238,149	274,845
Other asset items	-499	-508	-464	-316	-310	-309	-309	-309	-270	-2,589
Total Assets	362,488	350,909	321,111	300,699	298,653	302,540	331,498	364,659	413,008	467,386

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	8,000	-12,514	-34,215	208	10,214	5,068	-2,701	-1,252	25,796	16,762
Profit from Operations	5,302	7,885	4,274	5,198	9,014	9,477	10,139	11,112	12,518	10,055
Working Capital Changes	2,698	-20,399	-38,489	-4,990	1,199	-4,410	-12,840	-12,030	11,542	6,363
Profit Before Tax & Extraordinary Items	-8,498	-12,495	-22,691	-8,897	2,485	3,720	5,305	8,367	10,670	11,657
Depreciation	362	377	370	394	397	490	499	543	538	617
Interest (Net)	0	0	0	0	1,398	1,163	855	707	592	209
Profit / Loss on Sale of Assets	1	-517	73	5	0	-1	2	-83	2	-6
Profit / Loss on Sale of Investments	38	3	-1	-3	54	-16	-103	-3	87	-1,482
Provisions & Write-offs (Net)	13,209	20,517	26,524	13,699	4,779	4,135	3,727	1,580	628	-939
Profit / Loss in Forex	0	0	0	0	-99	-14	-146	0	0	0
Loans & Advances	13,122	-284	945	4,895	1,332	-10,327	-24,359	-27,043	-27,514	-35,365
Change in Borrowing	-14,228	6,822	-17,898	-8,539	-15,605	1,571	902	4,445	7,594	11,374
Change in Deposits	3,128	-20,439	-20,586	-4,976	8,446	2,189	22,464	22,052	32,528	36,883
Direct Taxes Paid	0	0	0	0	0	0	0	-334	1,735	344
+ Cash from Investing Activity	-464	720	116	-296	-59	-192	-283	-217	-338	1,441
Purchase of Fixed Assets	-464	0	0	-296	-59	-195	-294	-312	-350	-327
Sale of Fixed Assets	0	720	116	0	0	0	0	90	6	19
Sale of Investments	0	0	0	0	0	0	0	0	0	1,730
Others	0	0	0	0	0	2	11	5	5	19
+ Cash from Financing Activity	1,889	12,843	21,622	9,279	-5,342	-4,383	-3,569	-1,768	-6,990	-5,765
Proceeds from Issue of Shares	0	0	0	9,300	1,435	0	0	0	0	0
Proceeds from Issue of Debentures	0	0	0	0	745	0	0	0	0	0
Share Application Money	1,900	7,881	0	0	0	0	0	0	0	0
Redemption of Debentures	0	0	0	0	-5,981	-3,134	-2,609	0	-4,745	-3,202
Dividend Paid	-11	-22	-2	-21	-7	-8	-12	-1,086	-1,625	-2,270
Interest Paid	0	0	0	0	-1,534	-1,240	-948	-707	-646	-319
Others	0	4,984	21,624	0	0	0	0	26	26	27
Net Cash Flow	9,424	1,049	-12,477	9,191	4,813	492	-6,554	-3,237	18,467	12,438