IDBI Bank
IDBI Bank
BanksKey Fundamentals
MidcapPrivate BankBanksPrice-based figures as of 8 Oct 2026, 3:59 pm IST · EPS basis: Consolidated · TTM
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Company has delivered good profit growth of 43.5% CAGR over last 5 years
Weaknesses
5- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 7.78% over past five years.
- Company has a low return on equity of 13.2% over last 3 years.
- Contingent liabilities of Rs.2,89,480 Cr.
- Company might be capitalizing the interest cost
Growth Rate
AI Analysis — Bull vs Bear
As of the 2026-10-01 close, IDBI Bank trades at Rs 86.57 with a market capitalisation of Rs 93,083.55 Cr, a TTM P/E of 9.99, a P/B of 1.54 and a dividend yield of 2.55%. Profit has grown at a 43% CAGR over 5 years and 18% on a TTM basis, but sales growth has been modest at 8% over 5 years and 1% TTM. ROE is 13.44%, compared with a 10-year average of -3%. The stock is down 7% over 1 year and sits about 27% below its 52-week high of Rs 118.38.
- Profit has compounded at 43% over 5 years and 35% over 3 years. This marks a sharp earnings recovery from the bank's earlier stressed-asset phase.
- Profit growth is still positive at 18% TTM, so earnings momentum continues even after a high base. TTM EPS stands at Rs 8.67.
- At a TTM P/E of 9.99, the implied earnings yield is about 10%. That multiple is in single-to-low-double digits on current earnings.
- ROE has improved from a 10-year average of -3% to 11% over 5 years, 13% over 3 years and 14% in the last year. The current ROE is 13.44%.
- The dividend yield is 2.55%, which works out to roughly Rs 2.2 per share at Rs 86.57. That is a payout of about 25% of TTM EPS of Rs 8.67, leaving most earnings retained for capital.
- The stock trades about 27% below its 52-week high of Rs 118.38. This gives a lower entry multiple than earlier in the year while profit growth stays positive.
- Over the longer term, the stock has compounded at 13% over 5 years and 8% over 3 years. This tracks the improvement in fundamentals.
- Sales growth is only 1% TTM and 8% over 5 years, while profit grew 18% TTM. Profit growth that outpaces revenue may depend on lower provisions or costs rather than core business expansion, and that gap may not last.
- The 10-year record is weak: ROE averages -3%, sales growth is 0% and the stock has compounded at only 2%. Asset-quality problems have hurt shareholders in the past.
- A P/B of 1.54 implies a book value of about Rs 56 per share. For a bank with a 3-year average ROE of 13%, that premium to book leaves less margin of safety than the P/E alone suggests.
- Contingent liabilities are reported at Rs 2,89,480 Cr, about 3.1x the market cap of Rs 93,083.55 Cr. For banks, much of this is usually guarantees, letters of credit and derivative notionals, but it is still off-balance-sheet exposure.
- The 3-year average ROE of 13.2% is respectable but not top-tier among Indian banks. ROCE is low at 5.29%, though that metric reflects a bank's leveraged balance sheet and means less for lenders.
- The stock fell 7% over 1 year, and the 52-week range of Rs 61.01 to Rs 118.38 is wide. Swings of that size point to high volatility and sensitivity to sentiment and news.
- Screening flags include low interest coverage and possible capitalised interest cost. These are generic metrics that mostly don't apply to banks, where interest expense is the core cost of doing business. They add little information and should not be read as company-specific red flags.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- AIBOA takes sale fight to Parliament Sep 23
AIBOA wrote to LoPs Rahul Gandhi and Mallikarjun Kharge, citing the Dec 8, 2003 parliamentary assurance and Clause 4 of the Articles of Association, which require the government to keep at least 51% of the issued capital. The union argues that selling more than 60% of the equity breaks this commitment, which could create political friction before the deal closes.
- 3-day strike Sep 28-30 Sep 25
UFBU and AIBOA served notice of a bank strike from September 28 to September 30, 2026, three weeks after the Sep 11 strike call. Branch operations and customer service could be disrupted, and labour resistance to privatisation is getting stronger.
- 60.72% stake sale nears close Sep 9
The strategic sale of a 60.72% combined government and LIC stake is reported to be in its final stages, about 4 years after bids were invited in Oct 2022. Completing it would move IDBI under private ownership, a likely re-rating trigger for the stock.
- Courts declined to block sale Sep 23
The Delhi High Court and the Supreme Court both refused to step in on AIBOA's challenge and said Parliament is the right forum. That removes a major legal hurdle, and AIBOA itself calls its parliamentary push a 'last ditch effort'.
- One-day strike notice Sep 11 Sep 10
IDBI Bank told exchanges about a UFBU/AIBOA strike call for September 11, 2026, in support of union demands. It was a routine regulatory disclosure, and a single-day strike has limited direct financial impact.
TL;DR: IDBI Bank's main catalyst is the 60.72% strategic sale, which is reported to be in its final stages after courts declined to intervene. The risks come from growing union opposition: two strike calls in September (Sep 11 and Sep 28-30) and AIBOA's push to raise the 51% ownership assurance in Parliament. The trend leans positive because the legal route against the sale has been exhausted, but political noise could delay the timeline. The stock's next big move depends on whether the government announces a winning bidder or the opposition takes up the issue in Parliament.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,864 | 6,038 | 6,549 | 6,995 | 6,670 | 7,445 | 7,819 | 6,983 | 7,027 | 7,109 | 7,080 | 7,804 | 7,549 |
| Expenses | 3,067 | 1,701 | 2,444 | 2,565 | 1,553 | 2,781 | 2,382 | 2,415 | 2,091 | 1,651 | 2,000 | 2,757 | 1,751 |
| Financing Profit | 936 | 1,372 | 1,003 | 1,132 | 1,688 | 1,102 | 1,854 | 885 | 1,085 | 1,642 | 1,218 | 1,102 | 1,745 |
| Fin. Margin % | 14% | 23% | 15% | 16% | 25% | 15% | 24% | 13% | 15% | 23% | 17% | 14% | 23% |
| Other Income | 907 | 1,025 | 1,031 | 961 | 857 | 1,368 | 810 | 2,107 | 1,472 | 2,155 | 1,271 | 1,714 | 1,084 |
| Interest | 2,861 | 2,966 | 3,102 | 3,298 | 3,428 | 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 | 0 | 0 | 0 | 0 | 0 |
| PBT | 1,843 | 2,397 | 2,034 | 2,093 | 2,546 | 2,470 | 2,664 | 2,991 | 2,557 | 3,797 | 2,489 | 2,816 | 2,829 |
| Tax % | 33% | 42% | 27% | 21% | 32% | 25% | 28% | 31% | 21% | 15% | 21% | 29% | 25% |
| Net Profit | 1,234 | 1,393 | 1,515 | 1,672 | 1,739 | 1,869 | 1,954 | 2,094 | 2,024 | 3,241 | 1,959 | 2,013 | 2,131 |
| EPS in Rs | 1.14 | 1.29 | 1.4 | 1.55 | 1.61 | 1.73 | 1.81 | 1.94 | 1.88 | 3 | 1.82 | 1.87 | 1.98 |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28,164 | 28,058 | 27,805 | 23,046 | 22,102 | 20,854 | 19,956 | 18,316 | 20,592 | 26,446 | 28,917 | 29,020 | 29,542 |
| Expenses | 8,424 | 14,339 | 18,130 | 20,698 | 24,118 | 20,146 | 10,515 | 9,975 | 10,232 | 9,233 | 11,675 | 10,328 | 8,159 |
| Financing Profit | -2,647 | -8,212 | -12,344 | -15,028 | -18,178 | -13,133 | -1,967 | -781 | 1,229 | 4,986 | 2,985 | 3,217 | 5,707 |
| Fin. Margin % | -9% | -29% | -44% | -65% | -82% | -63% | -10% | -4% | 6% | 19% | 10% | 11% | 19% |
| Other Income | 4,189 | 3,518 | 4,207 | 7,248 | 3,535 | 4,631 | 4,848 | 4,959 | 4,617 | 3,975 | 5,209 | 6,637 | 6,224 |
| Interest | 22,387 | 21,931 | 22,019 | 17,376 | 16,162 | 13,841 | 11,408 | 9,122 | 9,130 | 12,226 | 14,257 | 15,474 | 15,676 |
| Depreciation | 141 | 218 | 362 | 377 | 370 | 394 | 397 | 417 | 499 | 543 | 538 | 617 | 0 |
| PBT | 1,401 | -4,912 | -8,498 | -8,157 | -15,013 | -8,896 | 2,484 | 3,760 | 5,346 | 8,418 | 7,656 | 9,237 | 11,931 |
| Tax % | 32% | -26% | -40% | 0% | 0% | 44% | 42% | 32% | 30% | 31% | 0% | 0% | — |
| Net Profit | 957 | -3,574 | -4,997 | -8,116 | -14,970 | -12,819 | 1,532 | 2,557 | 3,728 | 5,814 | 7,656 | 9,237 | 9,343 |
| EPS in Rs | 5.87 | -17.44 | -24.36 | -26.37 | -19.37 | -12.36 | 1.41 | 2.36 | 3.45 | 5.38 | 7.1 | 8.57 | 8.67 |
| Div. Payout % | 13% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 29% | 28% | 30% | 0% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,604 | 2,059 | 2,059 | 3,084 | 7,736 | 10,381 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 |
| Reserves | 22,771 | 26,000 | 21,204 | 18,824 | 30,610 | 24,455 | 26,876 | 31,819 | 35,567 | 40,321 | 50,868 | 57,812 |
| Borrowing | 45,838 | 70,592 | 56,364 | 63,186 | 45,288 | 36,749 | 15,908 | 14,345 | 12,638 | 17,083 | 19,932 | 28,104 |
| Deposits | 2,75,518 | 2,65,087 | 2,68,216 | 2,47,777 | 2,27,190 | 2,22,214 | 2,30,707 | 2,32,850 | 2,55,313 | 2,77,366 | 3,09,893 | 3,46,776 |
| Other Liabilities | 10,314 | 11,537 | 14,646 | 18,039 | 10,287 | 6,901 | 14,410 | 12,773 | 17,227 | 19,138 | 21,562 | 23,942 |
| Total Liabilities | 3,56,044 | 3,75,275 | 3,62,488 | 3,50,909 | 3,21,111 | 3,00,699 | 2,98,653 | 3,02,540 | 3,31,498 | 3,64,659 | 4,13,008 | 4,67,386 |
| Fixed Assets | 3,026 | 7,041 | 6,893 | 6,350 | 7,842 | 7,719 | 7,402 | 9,587 | 9,303 | 9,435 | 12,120 | 9,685 |
| CWIP | 54 | 481 | 541 | 502 | 468 | 488 | 471 | 400 | 477 | 108 | 80 | 90 |
| Investments | 97,347 | 92,810 | 93,075 | 91,848 | 93,328 | 81,996 | 81,471 | 83,475 | 1,00,409 | 1,15,719 | 1,18,453 | 1,28,440 |
| Other Assets | 2,55,617 | 2,74,943 | 2,61,980 | 2,52,208 | 2,19,474 | 2,10,496 | 2,09,309 | 2,09,078 | 2,21,309 | 2,39,398 | 2,82,355 | 3,29,171 |
| Total Assets | 3,56,044 | 3,75,275 | 3,62,488 | 3,50,909 | 3,21,111 | 3,00,699 | 2,98,653 | 3,02,540 | 3,31,498 | 3,64,659 | 4,13,008 | 4,67,386 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,991 | -567 | 8,000 | -12,514 | -34,215 | 208 | 10,214 | 5,068 | -2,701 | -1,252 | 25,796 | 16,762 |
| Investing | -272 | -715 | -464 | 720 | 116 | -296 | -59 | -192 | -283 | -217 | -338 | 1,441 |
| Financing | -61 | 2,927 | 1,889 | 12,843 | 21,622 | 9,279 | -5,342 | -4,383 | -3,569 | -1,768 | -6,990 | -5,765 |
| Net Cash Flow | -2,323 | 1,645 | 9,424 | 1,049 | -12,477 | 9,191 | 4,813 | 492 | -6,554 | -3,237 | 18,467 | 12,438 |
| Free Cash Flow | -2,262 | -1,282 | 7,536 | -11,794 | -34,099 | -87 | 10,155 | 4,873 | -2,996 | -1,474 | 25,452 | 16,454 |
| CFO/OP | -10 | -4 | 83 | -533 | 1,697 | 29 | 108 | 61 | -26 | -5 | 140 | 88 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | -14% | -20% | -38% | -50% | -35% | 4% | 6% | 8% | 12% | 14% | 14% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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Documents
Frequently Asked Questions about IDBI Bank
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Company Information
IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.
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