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Indian Bank INDIANB NIFTY_MIDNSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://indianbank.bank.in
Company Profile ↓
₹846.40
+36.94% 1Y
Mkt Cap₹1.14 L Cr
P/E9.74
P/B1.42
Div. Yield2.10%
52W High₹970.87
52W Low₹601.78
Book Value₹594.25
EPS (TTM)₹86.89

Company Overview

Indian Bank provides various banking products and services. It offers deposit products, including savings bank and current accounts, term deposits, and non-resident Indian (NRI) accounts. The company also provides agriculture, MSME, corporate, online, home, mortgage, vehicle, personal, educational, and jewel loans; supply chain finance; 59 minutes loans; loan/OD against deposits, NSC/KVP/ relief bonds of RBI/LIC policies; and other retail/personal loans. In addition, it offers digital products, including IndOASIS, internet and SMS banking, debit and credit cards, national common mobility cards, prepaid card, mutual funds, IPO, demat, and trading services; point of sale systems; online collection products; cash management services; and other products, services, and schemes. The company operates through multiple branches in India and overseas; as well as ATMs and BNAs. Indian Bank was incorporated in 1907 and is based in Chennai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 28.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 10.4% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.7, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 31.0%.

Dividend Income

Offers a dividend yield of 2.10%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹37,793.78 Cr (+7.3% YoY); net profit ₹11,704.28 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +7.3%, earnings +3.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 10.4%, profit CAGR 28.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:10.42%
1 Year:7.30%

Compounded Profit Growth

5 Years:28.07%
1 Year:3.93%

Stock Price Performance

1 Year:+36.94%
6 Months:+4.57%
3 Months:-7.99%
1 Month:-0.81%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 66% of range
₹601.78 ₹970.87
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Death Cross10d ago
  • RSI (14)54.81 · Neutral
Price Performance
1M-0.81%
3M-7.99%
6M+4.57%
1Y+36.94%
Valuation vs Sector

P/E of 9.74 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.0%.
  • Compounding revenue at 10.4% over 5 years.
  • Profit CAGR of 28.1% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.74
Industry PE
19.81
Forward P/E
7.74
PEG Ratio
-
Book Value
₹594.25
Price to Book
1.42
P/S
3.23
EV/EBITDA
-
Dividend Yield
2.10%

Growth (CAGR)

Revenue 5Y
10.42%
Profit 5Y
28.07%
Revenue (YoY)
7.30%
Earnings (YoY)
3.93%

Profitability & Returns

ROCE
-
ROE
14.62%
ROA
1.18%
Profit Margin
30.97%
Op Margin
48.04%
Gross Margin
0.00%
EPS (Latest Qtr)
₹24.92
EPS (TTM)
₹86.89

Balance Sheet & Liquidity

Debt/Equity
0.46
Quick Ratio
-
Current Ratio
-
Debt
₹36,806.57 Cr
Total Assets
₹9.92 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
76.41%
Chg in Prom Hold
0.48%
FII / Inst Holding
16.82%
Chg in FII Hold
-0.33%

Financial Snapshot

Enterprise Value
₹1.14 L Cr
Total Revenue (TTM)
₹37,793.78 Cr
EBITDA
-
Free Cash Flow
₹18,361.36 Cr
Operating Cash Flow
₹18,815.48 Cr
Shares Outstanding
₹134.70 Cr
Gross Margin
0.00%
Payout Ratio
19.23%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 INDIANB Indian Bank NIFTY_MIDNSEFINANCIALPSU 846.40 9.74 ₹1.14 L Cr 2.10% - 14.62% 10.42% 28.07%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 12,255.00 Cr13,050.00 Cr13,764.00 Cr14,203.00 Cr14,633.00 Cr15,041.00 Cr15,369.00 Cr8,822.36 Cr9,327.30 Cr8,981.51 Cr16,628.00 Cr9,691.88 Cr9,889.27 Cr10,340.52 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 6,202.00 Cr5,161.00 Cr5,150.00 Cr5,158.00 Cr5,378.00 Cr4,994.00 Cr5,144.00 Cr4,490.48 Cr3,997.74 Cr4,492.91 Cr5,108.00 Cr5,177.03 Cr5,063.77 Cr5,570.44 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 6,736.00 Cr7,346.00 Cr8,003.00 Cr8,383.00 Cr8,609.00 Cr8,861.00 Cr9,154.00 Cr9,345.18 Cr9,467.06 Cr9,924.09 Cr10,040.00 Cr10,202.90 Cr10,371.96 Cr10,656.86 Cr
Pretax Income 1,477.00 Cr2,415.00 Cr2,777.00 Cr2,774.00 Cr3,078.00 Cr3,263.00 Cr3,674.00 Cr3,720.65 Cr4,229.81 Cr3,334.77 Cr4,123.00 Cr4,199.38 Cr4,077.81 Cr4,394.46 Cr
Tax Provision 14.77 Cr700.35 Cr777.56 Cr638.02 Cr831.06 Cr848.38 Cr918.50 Cr844.50 Cr1,268.42 Cr1,116.26 Cr1,071.98 Cr1,113.22 Cr962.61 Cr1,094.98 Cr
Net Income 1,520.00 Cr1,850.00 Cr2,069.00 Cr2,207.00 Cr2,296.00 Cr2,571.00 Cr2,801.00 Cr2,909.73 Cr2,981.64 Cr2,276.37 Cr3,109.00 Cr3,146.88 Cr3,173.05 Cr3,356.63 Cr
Diluted EPS 12.2014.8516.6116.3717.0419.0820.7921.6022.1416.9023.0723.3623.5624.92

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 15,853.00 Cr16,244.00 Cr16,039.00 Cr17,115.00 Cr19,182.00 Cr21,401.00 Cr39,108.00 Cr-28,072.20 Cr31,892.83 Cr35,222.93 Cr37,793.78 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 4,219.00 Cr5,128.00 Cr6,144.00 Cr6,998.00 Cr8,289.00 Cr9,238.00 Cr18,029.00 Cr-12,724.76 Cr14,952.80 Cr16,123.15 Cr17,777.86 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 11,390.00 Cr11,795.00 Cr10,891.00 Cr10,851.00 Cr12,167.00 Cr13,798.00 Cr23,439.00 Cr-24,717.29 Cr32,340.76 Cr36,826.25 Cr40,538.66 Cr
Pretax Income 1,478.00 Cr958.00 Cr1,060.00 Cr1,445.00 Cr359.00 Cr1,377.00 Cr3,115.00 Cr-5,330.48 Cr8,129.15 Cr10,994.87 Cr12,226.99 Cr
Tax Provision 458.18 Cr239.50 Cr-349.80 Cr187.85 Cr39.49 Cr619.65 Cr93.45 Cr-659.47 Cr2,914.51 Cr3,892.51 Cr4,274.55 Cr
Net Income 1,051.00 Cr752.00 Cr1,455.00 Cr1,311.00 Cr381.00 Cr862.00 Cr3,151.00 Cr-5,572.31 Cr8,419.41 Cr11,261.47 Cr11,704.28 Cr
Diluted EPS 21.8415.6430.2527.297.9114.1527.8833.9944.7466.0383.6186.89

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1.93 L Cr2.04 L Cr2.19 L Cr2.53 L Cr2.80 L Cr3.10 L Cr6.26 L Cr6.74 L Cr7.13 L Cr7.96 L Cr8.77 L Cr9.92 L Cr
Current Assets ------------
Cash & Equivalents --------50,216.83 Cr42,176.91 Cr54,961.40 Cr65,699.69 Cr
Inventory ------------
Receivables --------5,878.65 Cr10,172.29 Cr9,005.03 Cr11,433.87 Cr
Total Liabilities --------6.64 L Cr7.35 L Cr8.05 L Cr9.11 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------22,092.42 Cr23,142.88 Cr33,374.30 Cr36,806.57 Cr
Total Equity 15,029.00 Cr16,490.00 Cr17,434.00 Cr18,715.00 Cr19,715.00 Cr22,768.00 Cr39,458.00 Cr44,951.00 Cr49,506.82 Cr60,248.20 Cr71,512.91 Cr80,042.87 Cr
Shares Outstanding --------124.54 Cr134.70 Cr134.70 Cr134.70 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 5,136.00 Cr-931.00 Cr-10,814.00 Cr-3,676.00 Cr6,270.00 Cr-8,396.00 Cr17,065.00 Cr--27,893.99 Cr-8,617.26 Cr17,396.40 Cr18,815.48 Cr
Investing Cash Flow -236.00 Cr-772.00 Cr-179.00 Cr-214.00 Cr-176.00 Cr-247.00 Cr21,233.00 Cr--313.98 Cr-617.70 Cr-348.40 Cr-428.07 Cr
Financing Cash Flow -2,312.00 Cr620.00 Cr9,041.00 Cr6,776.00 Cr1,000.00 Cr2,552.00 Cr1,866.00 Cr--1,543.42 Cr1,195.04 Cr-4,263.51 Cr-7,649.12 Cr
Capital Expenditure -237.00 Cr-771.00 Cr-179.00 Cr-214.00 Cr-249.00 Cr-248.00 Cr-545.00 Cr--334.36 Cr-626.58 Cr-539.94 Cr-454.12 Cr
Free Cash Flow 4,899.00 Cr-1,702.00 Cr-10,993.00 Cr-3,890.00 Cr6,021.00 Cr-8,644.00 Cr16,520.00 Cr--28,228.35 Cr-9,243.84 Cr16,856.46 Cr18,361.36 Cr
Net Change in Cash 2,588.00 Cr-1,082.00 Cr-1,952.00 Cr2,886.00 Cr7,094.00 Cr-6,091.00 Cr40,163.00 Cr--29,751.39 Cr-8,039.92 Cr12,784.49 Cr10,738.29 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 6.6%4.6%9.1%7.7%2.0%4.0%8.1%-19.8%26.4%32.0%31.0%
ROE % 7.0%4.6%8.3%7.0%1.9%3.8%8.0%-11.3%14.0%15.7%14.6%
ROCE % ------------

Shareholding Pattern

Insiders
76.41%
Institutions
16.82%
Public Float
71.29%

Analyst View

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Latest News

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INDIANB — Frequently Asked Questions

What is the current share price of Indian Bank (INDIANB)?

As of 2026-07-15 09:52 IST, Indian Bank (INDIANB) trades at ₹846.40 on NSE. Its 52-week range is ₹601.78 to ₹970.87.

What is the market capitalisation of INDIANB?

Indian Bank (INDIANB) has a market capitalisation of ₹1.14 L Cr on NSE.

What is the P/E ratio of INDIANB?

INDIANB trades at a trailing price-to-earnings (P/E) ratio of 9.74. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.42.

Does INDIANB pay a dividend?

Indian Bank (INDIANB) currently offers a dividend yield of 2.10%.

What is the return on equity (ROE) of INDIANB?

INDIANB has a return on equity (ROE) of 14.62%.

Is INDIANB a good stock to buy?

This page provides a data-driven analysis of Indian Bank (INDIANB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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