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| 02 December, 2020, 02:06 AM IST | E-Paper
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Indian Bank

  • 69.151.70 (2.52%)
  • Volume: 35,30,904
  • Closed
  • Last Updated On: 01 Dec, 2020, 03:59 PM IST
  • Overview
  • News
  • Financials
  • Technicals
  • Peers
  • Shareholdings
  • MF
  • Corporate Actions
  • About

Insights

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  • The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 6.87% and 3.13%, respectively. (Source: Standalone Financials)

  • Company's annual revenue growth of 17.34% outperformed its 3 year CAGR of 10.52%. (Source: Consolidated Financials)

  • In last 15 years, 43.53% of trading sessions had closing price higher than open price.

InsightsIndian Bank

  • Falling Gross NPA and Net NPA

    The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 6.87% and 3.13%, respectively. (Source: Standalone Financials)

  • Beating 3 Yr Revenue CAGR

    Company's annual revenue growth of 17.34% outperformed its 3 year CAGR of 10.52%. (Source: Consolidated Financials)

  • Intraday fact check

    In last 15 years, 43.53% of trading sessions had closing price higher than open price.

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Key Metrics

  • PE Ratio

    PE Ratio

    This is a ratio arrived at by dividing the current market price of a stock by its latest (annual or annualized) earnings per share. Here we have taken the TTM (trailing twelve months) adjusted earnings per share.

    (x)
    8.56
  • EPS - TTM

    EPS - TTM

    Earnings per share (TTM) tells the profit after tax earned on a per share basis by a stock over the last twelve months or four quarters.

    (₹)
    8.08
  • MCap

    MCap

    MCap or Market capitalization of a stock is calculated by multiplying the total number of shares outstanding of that particular stock with its current market price.

    (₹ Cr.)
    7,781.34
  • Sectoral MCap Rank

    Sectoral MCap Rank

    This is the ranking of a company within its sector based on MCap or Market capitalization. Higher the market capitalization of a company, higher the rank it is assigned.

    24
  • PB Ratio

    PB Ratio

    Price to Book represents the ratio of current market price of a stock to its book value per share. The book value itself is arrived at by dividing the net worth of a company by the total number of shares outstanding of the company at that time.

    (x)
    0.18
  • Div Yield

    Dividend Yield

    Dividend Yield calculates the amount of full year dividend declared by a company as a percentage of the current market price of a stock. All other things being equal, higher the dividend yield of the stock, the better it is for investors.

    (%)
    0.00
  • Face Value

    Face Value

    Face value of a stock is the value ascribed to the stock as per the balance sheet of the company. The dividend declared by a company is usually declared as a percentage of face value.

    (₹)
    10.00
  • Beta

    Beta

    1 Month1.68
    3 Months1.91
    6 Months2.14
    1 Year1.94
    3 Years2.08

    1.68
  • VWAP

    VWAP

    Volume Weighted Average Price represents the average price of a security over a particular time period (example one trading day) weighted by the volume traded at each price point.

    (₹)
    68.82
  • 52W H/L

    52W H/L

    This represents the 52 week high and low price of the security. It is also the 1 year high and low of the security. This represents the highest and lowest price touched by the security during the past 52 weeks or 1 year including today.

    (₹)
    134.50 / 41.55

Returns

  • 1 Day2.52%
  • 1 Week6.06%
  • 1 Month19.43%
  • 3 Months6.8%
  • 1 Year-46.35%
  • 3 Years-82.34%
  • 5 Years-47.13%

Financials

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Insights

    • Beating 3 Yr Revenue CAGR

      Company's annual revenue growth of 17.34% outperformed its 3 year CAGR of 10.52%. (Source: Consolidated Financials)
    Quarterly | AnnualSep 2020Jun 2020Mar 2020Dec 2019Sep 2019
    Total Income11,796.5811,556.096,340.346,504.466,047.14
    Total Income Growth (%)2.0882.26-2.527.563.64
    Provisions & Contingencies2,284.252,139.051,888.481,525.53909.40
    Provisions & Contingencies Growth (%)6.7913.2723.7967.7514.41
    Profit after Tax (PAT)457.90430.97-267.20291.03442.88
    PAT Growth (%)6.25--191.81-34.2912.18
    Gross NPA (%)9.9010.906.887.217.21
    Net NPA (%)2.963.763.133.503.54
    Net Profit Margin (%)3.883.73-4.214.477.32
    Basic EPS (₹)4.053.82-4.395.629.01
    Quarterly | AnnualSep 2020Jun 2020Mar 2020Dec 2019Sep 2019
    Total Income11,669.1211,446.716,334.376,505.626,045.32
    Total Income Growth (%)1.9480.71-2.637.613.66
    Provisions & Contingencies2,284.122,139.121,891.861,529.27909.37
    Provisions & Contingencies Growth (%)6.7813.0723.7168.1714.41
    Profit after Tax (PAT)412.28369.26-217.74247.16358.56
    PAT Growth (%)11.65--188.09-31.07-1.86
    Gross NPA (%)9.8910.906.877.207.20
    Net NPA (%)2.963.763.133.503.54
    Net Profit Margin (%)3.533.23-3.443.805.93
    Basic EPS (₹)3.653.27-3.584.777.29
    Quarterly | Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Total Income24,726.7821,073.5019,531.9118,261.6218,033.20
    Total Income Growth (%)17.347.896.961.274.69
    Provisions & Contingencies5,738.494,557.483,744.392,593.792,321.18
    Provisions & Contingencies Growth (%)25.9121.7144.3611.7416.24
    Profit after Tax (PAT)861.34380.131,310.541,453.06751.28
    PAT Growth (%)136.21-74.59-10.6297.74-29.50
    Net Interest Margin (%)2.452.502.472.352.18
    Net Profit Margin (%)4.021.987.659.054.62
    Basic EPS (₹)16.387.9127.2930.2515.64
    Quarterly | Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Total Income24,717.4321,067.7019,519.4818,251.1218,025.20
    Total Income Growth (%)17.327.936.951.254.70
    Provisions & Contingencies5,744.684,558.663,742.002,595.032,320.71
    Provisions & Contingencies Growth (%)26.0221.8244.2011.8215.54
    Profit after Tax (PAT)753.36321.951,258.991,405.68711.38
    PAT Growth (%)134.00-74.43-10.4497.60-29.23
    Net Interest Margin (%)2.452.502.472.352.18
    Net Profit Margin (%)3.511.677.358.764.37
    Basic EPS (₹)14.336.7026.2129.2714.81

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Falling Gross NPA and Net NPA

      The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 6.87% and 3.13%, respectively. (Source: Standalone Financials)
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Advances1,97,887.011,81,261.911,56,568.931,27,707.711,29,055.44
    Advances Growth (%)9.1715.7722.60-1.042.53
    Deposits2,60,184.402,42,040.802,08,261.811,82,480.041,78,258.92
    Deposits Growth (%)7.5016.2214.132.375.35
    Total Equity22,788.7519,735.9218,735.3117,452.9616,507.08
    Total Equity Growth (%)15.475.347.355.739.72
    Gross NPA (%)-----
    Net NPA (%)-----
    Capital Adequacy Ratios (%)-----
    Contingent Liabilities42,601.7136,219.0033,728.7529,385.5624,589.29
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Advances1,97,887.011,81,261.911,56,568.931,27,699.281,29,049.08
    Advances Growth (%)9.1715.7722.61-1.052.53
    Deposits2,60,225.902,42,075.952,08,294.221,82,509.281,78,285.84
    Deposits Growth (%)7.5016.2214.132.375.35
    Total Equity22,089.2719,388.6918,448.4217,162.0116,259.78
    Total Equity Growth (%)13.935.107.505.559.62
    Gross NPA (%)6.877.117.377.476.66
    Net NPA (%)3.133.753.814.394.20
    Capital Adequacy Ratios (%)14.1213.2112.5513.6413.20
    Contingent Liabilities42,576.8636,194.1133,703.8629,362.3024,566.03

    All figures in Rs Cr, unless mentioned otherwise

  • Insights

    • Decrease in Cash from Investing

      Company has used Rs 247.37 cr for investing activities which is an YoY decrease of 0.48%. (Source: Consolidated Financials)
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Net Cash flow from Operating Activities-8,729.916,269.85-3,675.80-10,813.85-930.72
    Net Cash used in Investing Activities-247.37-248.56-214.38-179.38-771.72
    Net Cash flow from Financing Activities2,829.491,000.006,776.449,040.86620.21
    Net Cash Flow-6,091.127,094.122,886.26-1,952.37-1,082.23
    Closing Cash & Cash Equivalent13,936.4820,027.6112,933.5010,047.2411,999.61
    Closing Cash & Cash Equivalent Growth (%)-30.4154.8528.73-16.27-8.27
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Net Cash flow from Operating Activities-8,734.6214,963.61-3,676.10-10,819.15-930.58
    Net Cash used in Investing Activities-247.24-248.39-214.28-179.28-771.51
    Net Cash flow from Financing Activities2,829.49-7,622.636,776.449,040.86620.21
    Net Cash Flow-6,095.707,092.592,886.07-1,957.57-1,081.88
    Closing Cash & Cash Equivalent13,924.6820,020.3812,927.7910,041.7211,999.29
    Closing Cash & Cash Equivalent Growth (%)-30.4554.8628.74-16.31-8.27

    All figures in Rs Cr, unless mentioned otherwise

  • Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Return on Equity (%)4.352.288.149.865.48
    Return on Assets (%)0.270.130.510.660.36
    Cost to Income (%)41.1340.7437.9732.6230.62
    Interest income to Earning assets (%)6.906.846.767.347.96
    Interest Expense to Earning assets (%)4.444.334.284.985.78
    Price to Earnings (x)3.0535.2110.989.246.70
    Price to Book (x)0.130.800.890.910.37
    Price to Sales (x)0.120.700.840.840.31
    Operating Profit Margin (%)-11.99-8.18-6.74-5.04-6.61
    Annual FY 2020 FY 2019 FY 2018 FY 2017 FY 2016
    Return on Equity (%)3.941.977.959.725.27
    Return on Assets (%)0.240.110.490.640.34
    Cost to Income (%)41.1240.7237.9632.6130.60
    Interest income to Earning assets (%)6.916.856.777.347.97
    Interest Expense to Earning assets (%)4.454.344.294.995.79
    Price to Earnings (x)3.4841.6711.439.557.07
    Price to Book (x)0.140.820.910.930.37
    Price to Sales (x)0.120.700.840.840.31
    Operating Profit Margin (%)-11.95-8.13-6.70-5.02-6.58

Financial InsightsIndian Bank

  • Income (P&L)
  • Balance Sheet
  • Cash Flow
    • Beating 3 Yr Revenue CAGR

      Company's annual revenue growth of 17.34% outperformed its 3 year CAGR of 10.52%. (Source: Consolidated Financials)

    • Falling Gross NPA and Net NPA

      The bank's gross NPA% and Net NPA% have fallen continuously over the past 4-years to 6.87% and 3.13%, respectively. (Source: Standalone Financials)

    • Decrease in Cash from Investing

      Company has used Rs 247.37 cr for investing activities which is an YoY decrease of 0.48%. (Source: Consolidated Financials)

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Technicals

  • Buy / Sell Signals
  • Price Analysis
  • Pivot Levels & ATR
  • Chart
  • Stock doesn't have any Buy/Sell Signals.

  • 44%
    Positive Movement since
    1st Jan 2005 on basis
    56%
    Negative Movement since
    1st Jan 2005 on basis
    Exclude
  • Pivot Levels

    R1R2R3PIVOTS1S2S3
    Classic68.9069.5070.8068.2067.6066.9065.60

    Average True Range

    5 DAYS14 DAYS28 DAYS
    ATR2.092.152.20

Peer Comparison

  • Stock Performance
  • Ratio Performance
    • 1D
    • 1W
    • 1M
    • 3M
    • 6M
    • 1Y
    • 5Y
  • Ratio Performance

    NAMEP/E (x)P/B (x)ROE %ROA %Rev CAGR [3Yr]OPMNPM
    Indian Bank8.560.134.350.2710.52-11.994.02
    PNB-354.000.370.740.053.92-16.430.79
    Bank of Baroda74.610.331.210.0720.01-14.251.17
    Union Bank India-14.420.32-10.16-0.564.15-23.55-8.32
    IOB-3.150.72-52.78-3.27-3.44-68.29-48.99
    Add More
    Annual Ratios (%)

    Choose from Peers

    • Canara Bank
    • Bank of India
    • UCO Bank
    • Bank of Maha
    • Central Bank Ind

    Choose from Stocks

    Peers InsightsIndian Bank

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      Shareholding Pattern

      • QOQ Change
      • Total Shareholdings
      • Showing Shareholding as on 30 Sep 2020
        Category31 Dec 201931 Mar 202030 Jun 202030 Sep 2020
        Promoters83.4683.4688.0688.06
        Pledge0.000.000.000.00
        FII3.122.740.990.82
        DII7.386.294.063.95
        Mutual Funds5.794.702.102.03
        Others6.047.516.897.17
      • Showing Shareholding as on 30 Sep 2020
        CategoryNo. of SharesPercentage% Change QoQ
        Promoters99,45,49,60088.06 %0.00
        Pledge00.00 %0.00
        FII93,34,7250.82 %-0.17
        DII4,45,78,0823.95 %-0.11
        MF2,29,22,8192.03 %-0.07
        Others8,09,04,1637.17 %0.28

      MF Ownership

      MF Ownership as on 30 September 2020

      Corporate Actions

      • Board Meeting/AGM
      • Dividends
      • Others
      • Meeting DateAnnounced onPurposeDetails
        Nov 30, 2020Oct 28, 2020EGM-
        Oct 22, 2020Oct 15, 2020Board MeetingQuarterly Results
        Aug 14, 2020Aug 07, 2020Board MeetingQuarterly Results
        Aug 07, 2020Jul 09, 2020AGMBook closure from Aug 4, 2020 to Aug 7, 2020
        Jul 17, 2020Jul 14, 2020Board MeetingOthers
      • TypeDividendDividend per ShareEx-Dividend DateAnnounced on
        Final60%6.0Jun 21, 2018May 10, 2018
        Final60%6.0Jun 02, 2017Apr 25, 2017
        Final15%1.5Jun 23, 2016May 11, 2016
        Final42%4.2Jun 23, 2015May 14, 2015
        Final40%4.0May 22, 2008Apr 23, 2008
      • No other corporate actions details are available.

      About Indian Bank

      Indian Bank, incorporated in the year 1907, is a banking company (having a market cap of Rs 7809.57 Crore).Indian Bank key Products/Revenue Segments include Interest & Discount on Advances & Bills which contributed Rs 15933.04 Crore to Sales Value (74.43 % of Total Sales), Income From Investment which contributed Rs 5278.82 Crore to Sales Value (24.66 % of Total Sales), Interest On Balances with RBI and Other Inter-Bank Funds which contributed Rs 177.43 Crore to Sales Value (0.82 % of Total Sales) and Interest which contributed Rs 15.68 Crore to Sales Value (0.07 % of Total Sales)for the year ending 31-Mar-2020. Show More

      • Executives
      • Auditors
      • AR

        A Ramu

        General Manager
        AS

        Azad Singh Gandas

        General Manager
        BK

        Bharath Krishna Sankar

        Director
        BS

        Bimal Shah

        Co. Secretary & Compl. Officer
        Show More
      • Sriramamurthy & Co.
        K C Mehta & Co
        Ravi Rajan & Co. LLP
        P S Subramania Iyer & Co.

      Key Indices Listed on

      Nifty Smallcap 100, Nifty 500, S&P BSE 500, + 13 more

      Address

      No. 66, Rajaji Salai,Chennai (Madras), Tamil Nadu - 600001

      Indian Bank Share Price Update

      Indian Bank share price moved up by 2.52% from its previous close of Rs 67.45. Indian Bank stock last traded price is 69.15

      Share PriceValue
      Today/Current/Last69.15
      Previous Day67.45

      Trending in Markets

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