IDBI Bank Limited (IN:IDBI)
:IDBI
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IDBI Bank Limited
(IDBI)
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Rating:73Outperform
Price Target:
₹101.00
▼(-12.06% Downside)
Action:Reiterated
Date:06/18/26
The score is driven primarily by strong financial performance improvements (notably margin expansion and improved leverage), supported by reasonable valuation (moderate P/E and a dividend yield). Offsetting factors are cash-flow volatility and only moderate technical strength given the stock remains slightly below its 200-day moving average and carries high beta.
Positive Factors
Margin expansion / Profitability
Material margin expansion since 2021 signals a structural earnings turnaround driven by improved core banking dynamics and lower provisioning. Sustained higher margins enhance internal capital generation, supporting reinvestment, loan growth and buffers against future credit stress over the medium term.
Negative Factors
Cash-flow volatility
Historical swings to negative OCF/FCF show cash generation is not yet consistently stable, which undermines predictability of internal funding. Volatile cash flows complicate capital planning, provisioning and lending decisions, raising medium-term liquidity and funding risks for the franchise.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin expansion / Profitability
Material margin expansion since 2021 signals a structural earnings turnaround driven by improved core banking dynamics and lower provisioning. Sustained higher margins enhance internal capital generation, supporting reinvestment, loan growth and buffers against future credit stress over the medium term.
Read all positive factors
IDBI Bank Limited (IDBI) vs. iShares MSCI India ETF (INDA)
Market Cap
₹942.99B
Dividend Yield2.08%
Average Volume (3M)411.24K
Price to Earnings (P/E)10.0
Beta (1Y)1.77
Revenue Growth4.62%
EPS Growth20.74%
CountryIN
Employees17,047
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.63
Shares Outstanding10,752,402,000
10 Day Avg. Volume269,403
30 Day Avg. Volume411,239
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.96
Price to Sales (P/S)1.85
P/FCF Ratio5.72
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
IDBI Bank Limited Business Overview & Revenue Model
Company Description
IDBI Bank Limited, an Indian financial institution, delivers a comprehensive suite of banking and financial services to both individual and corporate clients across the nation. Its operations are categorized into key divisions: Corporate/Wholesale...
How the Company Makes Money
IDBI primarily earns money through a combination of interest-based income and fee-based income typical of a full-service commercial bank.
1) Net interest income (core earnings): The bank collects funds through customer deposits and other borrowin...
IDBI Bank Limited Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
72
Positive
Cash Flow
61
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 336.72B | 356.31B | 322.50B | 294.45B | 241.29B | 220.83B |
| Gross Profit | 143.40B | 212.33B | 179.94B | 172.19B | 149.98B | 129.62B |
| EBITDA | 92.40B | 122.75B | 81.27B | 63.07B | 41.86B | 29.35B |
| Net Income | 92.84B | 92.10B | 76.31B | 57.88B | 37.06B | 25.34B |
Balance Sheet | ||||||
| Total Assets | 4.17T | 4.67T | 4.13T | 3.64T | 3.31T | 3.02T |
| Cash, Cash Equivalents and Short-Term Investments | 317.82B | 569.15B | 444.77B | 260.09B | 293.52B | 102.36B |
| Total Debt | 243.01B | 281.04B | 199.32B | 364.76B | 324.42B | 323.19B |
| Total Liabilities | 3.48T | 3.99T | 3.51T | 3.13T | 2.85T | 2.60T |
| Stockholders Equity | 681.23B | 685.64B | 616.20B | 510.73B | 463.19B | 425.72B |
Cash Flow | ||||||
| Free Cash Flow | -53.56B | 115.48B | 254.46B | 184.21B | -28.95B | -41.27B |
| Operating Cash Flow | -52.07B | 118.76B | 257.96B | 187.33B | -26.01B | -39.32B |
| Investing Cash Flow | 15.75B | -422.41B | -3.44B | -2.22B | -2.94B | -1.95B |
| Financing Cash Flow | -90.64B | 427.84B | -69.90B | 202.58B | -35.65B | -43.83B |
IDBI Bank Limited Technical Analysis
Positive
114.85
Price Trends
74.93
Positive
85.19
Positive
91.22
Negative
Market Momentum
2.86
Negative
65.85
Neutral
64.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDBI, the sentiment is Positive. The current price of 114.85 is above the 20-day moving average (MA) of 76.38, above the 50-day MA of 74.93, and above the 200-day MA of 91.22, indicating a neutral trend. The MACD of 2.86 indicates Negative momentum. The RSI at 65.85 is Neutral, neither overbought nor oversold. The STOCH value of 64.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:IDBI.
IDBI Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹942.99B | 10.03 | ― | 2.08% | 4.62% | 20.74% | |
69 Neutral | ₹1.48T | 7.24 | ― | 2.86% | 2.58% | -4.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.35T | 6.88 | ― | 3.15% | -0.57% | 7.81% | |
65 Neutral | ₹1.26T | 6.73 | ― | 2.40% | 6.41% | -2.41% | |
62 Neutral | ₹1.16T | 9.74 | ― | 2.07% | 8.72% | 3.93% | |
60 Neutral | ₹1.22T | 6.62 | ― | 2.66% | 0.28% | 12.35% |
* Financial Sector Average
IN:IDBI
IDBI Bank Limited
85.97
-3.89
-4.33%
IN:BANKBARODA
Bank of Baroda
277.70
47.30
20.53%
IN:CANBK
Canara Bank
130.40
23.28
21.74%
IN:INDIANB
Indian Bank
846.50
236.19
38.70%
IN:PNB
Punjab National Bank
107.35
5.17
5.06%
IN:UNIONBANK
Union Bank of India Limited
174.95
32.72
23.00%
IDBI Bank Limited Corporate Events
IDBI Bank Posts 14% Growth in Provisional FY26 Business
Apr 4, 2026
IDBI Bank has reported a strong provisional business performance for the financial year ended March 31, 2026, under regulatory disclosure norms. The bank’s total business rose 14% year-on-year to ₹6,00,536 crore, supported by 12% growt...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.