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Indian Bank (INDIANB) Ratios
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Indian Bank Ratios
IN:INDIANB's free cash flow for Q2 2027 was ₹0.00. For the 2027 fiscal year, IN:INDIANB's free cash flow was increased by ₹0.00 and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.08 | 0.09 | 0.15 | 15.91 | 58.21 |
| Quick Ratio | 0.08 | 0.09 | 0.33 | 59.72 | 154.61 |
| Cash Ratio | 0.08 | 0.07 | 0.15 | 33.94 | 80.43 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.04 | -0.04 | -0.03 | -18.85 | 28.92 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | ₹ -8.46T | ₹ -7.42T | ₹ -6.93T | ₹ -6.40T | ₹ -5.71T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.05 | 0.03 | 0.03 | 0.03 |
| Debt-to-Equity Ratio | 0.58 | 0.58 | 0.38 | 0.45 | 0.38 |
| Debt-to-Capital Ratio | 0.37 | 0.37 | 0.28 | 0.31 | 0.28 |
| Long-Term Debt-to-Capital Ratio | 0.37 | 0.37 | 0.28 | 0.31 | 0.28 |
| Financial Leverage Ratio | 12.39 | 12.26 | 13.21 | 14.41 | 15.00 |
| Debt Service Coverage Ratio | 0.30 | 0.21 | 0.18 | 0.21 | 0.24 |
| Interest Coverage Ratio | 0.39 | 0.41 | 0.25 | 0.22 | 0.18 |
| Debt to Market Cap | 0.41 | 0.58 | 0.34 | 0.61 | 0.92 |
| Interest Debt Per Share | 648.43 | 581.92 | 435.12 | 375.85 | 322.94 |
| Net Debt to EBITDA | -1.16 | -1.16 | -2.20 | -4.80 | -13.66 |
| Profitability Margins | |||||
| Gross Profit Margin | 43.73% | 48.89% | 49.65% | 53.18% | 52.17% |
| EBIT Margin | 20.09% | 15.26% | 12.66% | 10.10% | 8.63% |
| EBITDA Margin | 20.86% | 16.01% | 13.48% | 11.11% | 9.93% |
| Operating Profit Margin | 20.40% | 21.00% | 12.66% | 10.10% | 8.63% |
| Pretax Profit Margin | 21.03% | 20.63% | 12.66% | 10.10% | 8.63% |
| Net Profit Margin | 14.94% | 15.63% | 13.11% | 10.56% | 8.95% |
| Continuous Operations Profit Margin | 14.94% | 15.63% | 13.11% | 10.56% | 8.96% |
| Net Income Per EBT | 71.04% | 75.77% | 103.57% | 104.54% | 103.70% |
| EBT Per EBIT | 103.09% | 98.22% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.18% | 1.28% | 1.06% | 0.78% | 0.61% |
| Return on Equity (ROE) | 14.62% | 15.75% | 13.97% | 11.26% | 9.21% |
| Return on Capital Employed (ROCE) | 9.98% | 10.95% | 1.60% | 0.75% | 0.59% |
| Return on Invested Capital (ROIC) | 7.41% | 8.10% | 0.97% | 15.81% | 6.18% |
| Return on Tangible Assets | 1.18% | 1.28% | 1.46% | 0.78% | 0.61% |
| Earnings Yield | 10.27% | 15.75% | 12.47% | 15.51% | 22.09% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.63 | 8.00 | 6.31 | 8.98 | 7.20 |
| Payables Turnover | 23.39 | 20.73 | 17.52 | 13.39 | 22.26 |
| Inventory Turnover | 0.00 | 0.00 | -0.62 | -0.38 | -0.23 |
| Fixed Asset Turnover | 9.03 | 8.13 | 8.52 | 7.06 | 6.01 |
| Asset Turnover | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 |
| Working Capital Turnover Ratio | -0.11 | -0.16 | -0.58 | 1.34 | 1.14 |
| Cash Conversion Cycle | 9.34 | 28.01 | -553.85 | -943.81 | -1546.43 |
| Days of Sales Outstanding | 24.95 | 45.62 | 57.80 | 40.65 | 50.73 |
| Days of Inventory Outstanding | 0.00 | 0.00 | -590.82 | -957.19 | -1580.76 |
| Days of Payables Outstanding | 15.60 | 17.61 | 20.83 | 27.26 | 16.40 |
| Operating Cycle | 24.95 | 45.62 | -533.01 | -916.55 | -1530.03 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 250.31 | -235.72 | -67.58 | -223.97 | 235.97 |
| Free Cash Flow Per Share | 246.94 | -239.73 | -72.49 | -226.65 | 233.31 |
| Dividend Paid and CapEx Coverage Ratio | 12.76 | -11.32 | -5.08 | -24.38 | 50.25 |
| Capital Expenditure Coverage Ratio | 74.25 | -58.80 | -13.75 | -83.42 | 88.99 |
| Operating Cash Flow Coverage Ratio | 0.72 | -0.76 | -0.37 | -1.26 | 1.67 |
| Operating Cash Flow to Sales Ratio | 0.43 | -0.44 | -0.13 | -0.53 | 0.62 |
| Free Cash Flow Yield | 29.20% | -45.15% | -13.69% | -78.55% | 151.60% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.73 | 6.35 | 8.02 | 6.45 | 4.53 |
| Price-to-Sales (P/S) Ratio | 1.45 | 0.99 | 1.05 | 0.68 | 0.41 |
| Price-to-Book (P/B) Ratio | 1.42 | 1.00 | 1.12 | 0.73 | 0.42 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.42 | -2.21 | -7.30 | -1.27 | 0.66 |
| Price-to-Operating Cash Flow Ratio | 3.38 | -2.25 | -7.83 | -1.29 | 0.65 |
| Price-to-Earnings Growth (PEG) Ratio | 2.48 | 0.24 | 0.17 | 0.20 | 0.21 |
| Enterprise Value Multiple | 5.81 | 5.04 | 5.60 | 1.33 | -9.58 |
| Enterprise Value | 950.25B | 581.05B | 484.71B | 78.13B | -439.99B |
| EV to EBITDA | 5.81 | 5.04 | 5.60 | 1.33 | -9.58 |
| EV to Sales | 1.21 | 0.81 | 0.75 | 0.15 | -0.95 |
| EV to Free Cash Flow | 2.86 | -1.80 | -5.24 | -0.28 | -1.55 |
| EV to Operating Cash Flow | 2.82 | -1.83 | -5.62 | -0.28 | -1.53 |
| Tangible Book Value Per Share | 594.48 | 531.18 | 392.94 | 397.71 | 369.14 |
| Shareholders’ Equity Per Share | 594.22 | 530.94 | 472.49 | 397.50 | 368.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.26 | 0.26 | 0.36 | 0.12 | -0.18 |
| Revenue Per Share | 581.52 | 534.92 | 503.75 | 423.86 | 379.72 |
| Net Income Per Share | 86.89 | 83.61 | 66.03 | 44.74 | 33.99 |
| Tax Burden | 0.71 | 0.76 | 1.04 | 1.05 | 1.04 |
| Interest Burden | 1.05 | 1.35 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.14 | 0.18 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.88 | -2.82 | -1.02 | -5.00 | 6.94 |
Currency in INR
