IDBI Bank logo

IDBI Bank

IDBI NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹89,783 Cr
Volatility
Moderate
P/E Ratio
9.62
EBITDA
₹9,828 Cr
Return on Equity
13.44%
Debt to Equity
0
Book Value
₹56.31
EPS
₹5.85
52W High
₹118.38
52W Low
₹61.01

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

Revenue Growth
4.62% lower than 3Y
Net Income Growth
20.64% lower than 3Y
Cash Flow Change
-35.02%
ROE
8.47% lower than 3Y
ROCE
-0.38% lower than 3Y
EBITDA Margin (Avg.)
8.05% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

IDBI Bank trades at a market cap of ₹89,783 Cr with a PE of 9.4x and PB of 1.45x. The bank has delivered strong profit CAGR of 43% over five years but revenue growth remains subdued at 8% over the same period, with TTM sales growth slowing to just 1%.

Bull Case 7
  • Strong 5-year compounded profit growth of 43% CAGR, indicating a significant turnaround from earlier losses
  • Attractive valuation with PE ratio of 9.4x, below the broader banking sector average
  • ROE has improved sharply from a 10-year average of -3% to 14% in the last year, signaling a fundamental earnings recovery
  • 3-year ROE of 13% shows the profitability improvement is sustained and not a one-off
  • Dividend yield of 2.57% provides reasonable income relative to banking peers
  • Price-to-book of 1.45x remains modest for a bank that has returned to consistent profitability
  • TTM profit growth of 18% indicates continued earnings momentum even on a higher base after years of strong recovery
Bear Case 8
  • TTM sales growth has decelerated sharply to just 1%, raising concerns about topline stagnation
  • Contingent liabilities of ₹2,89,480 Cr represent a material off-balance-sheet risk relative to the ₹89,783 Cr market cap
  • 5-year compounded sales growth of only 8% and 10-year sales CAGR of 0% reflect structurally weak revenue generation
  • Low interest coverage ratio suggests the bank's earnings cushion against debt servicing costs is thin
  • Potential capitalisation of interest costs may overstate reported profitability and asset quality
  • 3-year ROE of 13% remains below the 15%+ typically expected from well-run Indian banks
  • Stock has declined 12% over the past one year, underperforming broader market indices
  • 10-year stock CAGR of just 1% highlights prolonged value destruction for long-term holders despite the recent turnaround

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Headwinds 5
  • Reserve price slashed to ₹81/share Sep 4

    AIBOA flagged reserve price cut from ₹110 to ₹81/share, a ~₹17,000 crore difference. Former Secretary EAS Sarma called the process 'highly non-transparent' and the price 'unconscionably low', representing a 31.6% discount to the 52-week high of ₹118.45.

  • Fairfax dual-bank regulatory conflict Sep 6

    Fairfax's existing 40% stake in CSB Bank violates RBI's single NOFHC principle prohibiting ownership of two banks. A two-year grace period to divest CSB or merge adds execution risk and regulatory uncertainty.

  • Valuation concerns on real estate Sep 6

    IDBI Bank holds 120 properties across top 7 cities including 68 in Mumbai at historical book values. Implied P/B of 1.18x at ₹81/share is 43% below the industry average of 2.08x, with potential LIC policyholder losses of ₹12,420-17,560 crore.

  • Union strike and employee opposition Sep 10

    UFBU and AIBOA unions called a bank strike on Sep 11, 2026. Privatisation threatens SC/ST/OBC reservations for ~9,500 employees from disadvantaged sections and 6,911 women employees.

  • Parliamentary assurance breach risk Aug 27

    The 2003 assurance by FM Jaswant Singh to maintain 51% government ownership would be violated. This could trigger privilege motions, legal challenges, and add 6-12 months of parliamentary scrutiny delay.

Positives 5
  • Strong Q4 FY26 financial results Aug 24

    Net profit rose 5.35% QoQ to ₹2,127 crore, NII surged 17% to ₹3,851 crore, and NIM improved to 4.15%. Gross NPA improved to 2.32% from 2.98% YoY with provision coverage at 99.39%.

  • Privatisation deal nearing closure Sep 9

    The 60.72% stake sale valued at ~₹53,000 crore ($5.5B) is in final stages with the file reportedly with the Finance Minister. This would be the largest foreign investment in an Indian bank.

  • Stock rallied 16% in five days Aug 24

    IDBI Bank surged 16% over five consecutive sessions to ₹93.39 on huge volumes of 16.79 million shares, driven by reports the Fairfax deal is 'almost done'.

  • Robust capital and profitability turnaround Aug 27

    FY25 PAT reached ₹7,515 crore with ROE swinging from -49.74% in FY19 to +14.15% in FY26. CRAR stands at 26.65% and Tier 1 at 25.56%, well above regulatory minimums.

  • Crisil reaffirms AA+/Stable ratings Aug 24

    Crisil reaffirmed AA+/Stable ratings on Aug 20, 2026, citing steady asset quality improvement, healthy profitability, and expected continued support from LIC (49.24%) and GoI (45.48%) until divestment completes.

Neutral 2
  • Executive Director Sarkar retires Aug 31

    ED Sunit Sarkar ceased office on Aug 31, 2026 due to superannuation, disclosed under SEBI LODR Regulations 30 and 51.

  • Fairfax given CSB Bank exit window Aug 21

    Fairfax Financial may receive a two-year window to resolve its existing CSB Bank stake, either through divestment or a merger with IDBI Bank.

TL;DR: IDBI Bank's fundamentals are strong with FY25 PAT of ₹7,515 crore, NPA at multi-year lows (GNPA 2.32%), and capital adequacy of 26.65%. The 60.72% privatisation to Fairfax at ~₹53,000 crore is nearing closure but faces significant headwinds from union opposition, valuation concerns around the ₹81/share reserve price (43% below peer P/B), and Fairfax's regulatory conflict with CSB Bank ownership. The stock's near-term trajectory hinges on Cabinet approval timing and whether the government addresses undervaluation concerns before finalising the deal.

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
-14%
-20%
-38%
-50%
-35%
4%
6%
8%
12%
14%
14%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

DIIs0.11%Govt.0.01%Promot.94.71%FIIs0.46%Others0.90%Public3.81%As ofJun 2026

Documents

1
Concall - Apr 2026 Apr 2026
2
Concall - Mar 2024 Mar 2024
3
Concall - Jul 2023 Jul 2023
4
Concall - Apr 2023 Apr 2023
5
Concall - Jan 2023 Jan 2023

Frequently Asked Questions about IDBI Bank

What does IDBI Bank Ltd do?
IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.
Where is IDBI Bank Ltd (IDBI) listed?
IDBI Bank Ltd trades as IDBI on the NSE and under code 500116 on the BSE.
Which sector does IDBI Bank Ltd belong to?
IDBI Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the market capitalisation of IDBI Bank Ltd?
IDBI Bank Ltd has a market capitalisation of ₹89,783 Cr, which places it in the Large Cap band.
What is the PE ratio of IDBI Bank Ltd?
IDBI Bank Ltd trades at a PE ratio of 9.62, on earnings per share of ₹5.85, against a book value of ₹56.31 per share.
What is the 52-week high and low of IDBI Bank Ltd?
Over the last 52 weeks IDBI Bank Ltd has traded between ₹61.01 and ₹118.38.
Does IDBI Bank Ltd pay dividends?
IDBI Bank Ltd has a dividend yield of 2.57%.
What is the Return on Equity (ROE) of IDBI Bank Ltd?
IDBI Bank Ltd reported a return on equity of 13.44%. Its debt-to-equity ratio is 0.00.

Company Information

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Website idbi.com
CEO Mr. Rakesh Kumar Sharma
Employees 17,555
Listed 1995-09-20
Face Value ₹ 10
Issued Size 10,75,24,02,175

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