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IDBI Bank Limited
(IDBI)
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Rating:70Outperform
Price Target:
₹89.00
▲(4.76% Upside)
Action:Upgraded
Date:09/09/26
The score is driven primarily by improved financial performance (strong margin/profitability turnaround and better leverage), supported by attractive valuation (low P/E and solid dividend yield). Offsetting these positives, technicals are weaker with the price below key moving averages, even though momentum indicators show some early signs of stabilization.
Positive Factors
Profitability Expansion
IDBI has materially strengthened profitability over several years, with both net profit and operating margins expanding sharply. This improvement can support stronger internal capital generation, provide greater resilience across lending cycles, and improve the bank’s capacity to fund future growth.
Negative Factors
Uneven Revenue Growth
Although revenue has increased substantially over the longer period, uneven annual growth indicates that top-line expansion has not been consistently steady. This can make operating planning and capital allocation less predictable, while placing greater importance on sustaining recent growth momentum.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Expansion
IDBI has materially strengthened profitability over several years, with both net profit and operating margins expanding sharply. This improvement can support stronger internal capital generation, provide greater resilience across lending cycles, and improve the bank’s capacity to fund future growth.
Read all positive factors
IDBI Bank Limited (IDBI) vs. iShares MSCI India ETF (INDA)
Market Cap
₹897.18B
Dividend Yield2.52%
Average Volume (3M)808.57K
Price to Earnings (P/E)9.6
Beta (1Y)1.74
Revenue Growth2.10%
EPS Growth17.72%
CountryIN
Employees19,108
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.57
Shares Outstanding10,752,402,000
10 Day Avg. Volume943,861
30 Day Avg. Volume808,571
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 provides banking and financial solutions to retail and corporate customers in India. It operates through three segments: Corporate/Wholesale Banking, Retail Banking, and Treasury Operations. The company offers savings, current, a...
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 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 356.31B | 322.50B | 294.45B | 241.29B | 220.83B |
| Gross Profit | 212.33B | 179.94B | 172.19B | 149.98B | 129.62B |
| EBITDA | 122.75B | 81.27B | 63.07B | 41.86B | 29.35B |
| Net Income | 92.10B | 76.31B | 57.88B | 37.06B | 25.34B |
Balance Sheet | |||||
| Total Assets | 4.67T | 4.13T | 3.64T | 3.31T | 3.02T |
| Cash, Cash Equivalents and Short-Term Investments | 569.15B | 444.77B | 260.09B | 293.52B | 102.36B |
| Total Debt | 281.04B | 199.32B | 364.76B | 324.42B | 323.19B |
| Total Liabilities | 3.99T | 3.51T | 3.13T | 2.85T | 2.60T |
| Stockholders Equity | 685.64B | 616.20B | 510.73B | 463.19B | 425.72B |
Cash Flow | |||||
| Free Cash Flow | 115.48B | 254.46B | 184.21B | -28.95B | -41.27B |
| Operating Cash Flow | 118.76B | 257.96B | 187.33B | -26.01B | -39.32B |
| Investing Cash Flow | -422.41B | -3.44B | -2.22B | -2.94B | -1.95B |
| Financing Cash Flow | 427.84B | -69.90B | 202.58B | -35.65B | -43.83B |
IDBI Bank Limited Technical Analysis
Negative
84.96
Price Trends
85.33
Negative
81.10
Positive
88.44
Negative
Market Momentum
-0.36
Positive
42.57
Neutral
24.26
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDBI, the sentiment is Negative. The current price of 84.96 is below the 20-day moving average (MA) of 87.02, below the 50-day MA of 85.33, and below the 200-day MA of 88.44, indicating a bearish trend. The MACD of -0.36 indicates Positive momentum. The RSI at 42.57 is Neutral, neither overbought nor oversold. The STOCH value of 24.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IDBI.
IDBI Bank Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹1.12T | 5.66 | ― | 3.39% | -3.69% | 7.34% | |
74 Outperform | ₹1.34T | 6.09 | ― | 2.57% | 2.55% | 31.34% | |
71 Outperform | ₹1.15T | 8.99 | ― | 2.14% | 8.92% | 16.57% | |
71 Outperform | ₹1.23T | 6.78 | ― | 3.57% | 2.73% | -6.67% | |
70 Outperform | ₹897.18B | 9.64 | ― | 2.52% | 2.10% | 17.72% | |
70 Outperform | ₹1.36T | 6.58 | ― | 2.81% | -1.10% | 9.75% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:IDBI
IDBI Bank Limited
82.98
-10.37
-11.11%
IN:BANKBARODA
Bank of Baroda
232.95
-0.11
-0.05%
IN:CANBK
Canara Bank
122.40
12.77
11.64%
IN:INDIANB
Indian Bank
838.00
158.17
23.27%
IN:PNB
Punjab National Bank
114.20
8.86
8.41%
IN:UNIONBANK
Union Bank of India Limited
175.30
44.85
34.38%
IDBI Bank Limited Corporate Events
CARE Reaffirms IDBI Bank’s Top Short-Term Rating Amid Strong Capital and Profitability
Aug 27, 2026
IDBI Bank has had its short-term certificate of deposit programme rating reaffirmed at CARE A1+, reflecting strengthened asset quality, improved profitability and robust capital buffers. CARE notes that despite some margin compression from repo ra...
IDBI Bank Holds 22nd AGM, Confirms Clean Audit and Interim Chair
Jul 21, 2026
IDBI Bank Limited held its 22nd Annual General Meeting on July 21, 2026, conducted exclusively via video conferencing and other audio-visual means in line with allowances from the Ministry of Corporate Affairs and SEBI. Following the death of Chai...
IDBI Bank Sets Book-Closure and Voting Schedule for 22nd AGM
Jun 25, 2026
IDBI Bank has announced that its Register of Members and Share Transfer Books will be closed from July 15 to July 21, 2026, to facilitate the conduct of its 22nd Annual General Meeting scheduled for July 21. This book-closure period determines eli...
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.