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IDBI Bank

IDBI NSE
₹79.29 No trade today
P/E
10.26
View as Markdown
MCP
Close 4 Nov 2026 ₹79.29 −17.97 −18.5% 1Y
Start ₹97.26

Key Fundamentals

MidcapBanksFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

EPS (TTM)
₹7.73
Book Value
₹59.96
Market Cap
—
P/E (TTM)
10.26
P/B
1.32
ROE
14.10%
Dividend Yield
2.70%
52W High
₹118.38
52W Low
₹61.01
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Private Bank › Private Sector Bank

IDBI Bank peer comparison
HDFC Bank
₹736.7014.16₹11,37,598 Cr1.882.48%13.60%—₹3,59,956 Cr₹83,685 Cr
ICICI Bank
₹1,424.1017.28₹10,25,874 Cr2.670.84%15.90%—₹2,06,190 Cr₹62,827 Cr
Kotak Bank
₹459.4021.29₹4,58,686 Cr2.350.14%11.40%—₹73,545 Cr₹21,472 Cr
Axis Bank
₹1,232.0012.79₹3,83,779 Cr1.670.08%13.10%—₹1,41,510 Cr₹30,038 Cr
IDBI Bank (this company)
₹79.2910.26₹83,815 Cr1.322.70%14.10%—₹30,953 Cr₹8,329 Cr
Federal Bank
₹335.2015.94₹81,875 Cr2.010.36%11.60%—₹31,552 Cr₹5,387 Cr
Indusind Bank
₹865.1550.98₹66,694 Cr1.000.18%1.36%—₹45,297 Cr₹1,322 Cr
Median 7 companies₹736.7015.94₹3,83,779 Cr1.880.36%13.10%—₹73,545 Cr₹21,472 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

59 Good

Data confidence 100/100

Category scores

Quality
67
Strong
Returns, margins, earnings quality 22% weight
Valuation
63
Good
Cheap vs sector & own history 24% weight
Growth
55
Good
Sales & profit trajectory 9% weight
Financial Health
99
Strong
Solvency, leverage, coverage 9% weight
Momentum
40
Weak
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

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

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1162
OscillatorsBearish261
Moving AveragesStrong Bearish901

Key readings

RSI (14)
45.17
Neutral
MACD (12,26,9)
−1.57
Bearish
SMA (50)
84.23
Bearish
SMA (200)
85.24
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
10Y+0.34%
5Y+7.78%
3Y+12.12%
1Y+0.36%
TTM+6.96%

Net profit

Net profit growth by window
10YTurned to profit
5Y+43.24%
3Y+35.32%
1Y+20.65%
TTM−10.57%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹27,805 Cr
Mar 2018₹23,046 Cr
Mar 2019₹22,102 Cr
Mar 2020₹20,854 Cr
Mar 2021₹19,956 Cr
Mar 2022₹18,316 Cr
Mar 2023₹20,592 Cr
Mar 2024₹26,446 Cr
Mar 2025₹28,917 Cr
Mar 2026₹29,020 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017−₹4,997 Cr
Mar 2018−₹8,116 Cr
Mar 2019−₹14,970 Cr
Mar 2020−₹12,819 Cr
Mar 2021₹1,532 Cr
Mar 2022₹2,557 Cr
Mar 2023₹3,728 Cr
Mar 2024₹5,814 Cr
Mar 2025₹7,656 Cr
Mar 2026₹9,237 Cr

AI Analysis — Bull vs Bear

Figures as of 29 Oct 2026
AI opinion · based on fundamentals
Risk high

IDBI Bank Ltd trades at ₹80.01 as of 2026-10-29 with a market cap of ₹86,030 Cr, a P/E of 10.35x and P/B of 1.33x. The bank has delivered strong 5-year profit CAGR of 43% but TTM profit has declined 11%, and the stock sits 32% below its 52-week high of ₹118.38 while revenue growth remains modest at 7% TTM.

Bull Case 6
  • Strong 5-year compounded profit growth of 43% CAGR, indicating a significant turnaround from historically loss-making periods reflected in the negative 10-year ROE of -3%
  • P/B ratio of 1.33x suggests the stock is not trading at an excessive premium to book value
  • Dividend yield of 2.62% as of 2026-10-29 provides meaningful income return compared to many banking peers
  • Last year ROE of 14% represents continued improvement over the 3-year average of 13% and a dramatic recovery from the 10-year average of -3%
  • Stock trading at ₹80.01, roughly 31% above its 52-week low of ₹61.01, indicates recovery from its worst levels
  • 3-year compounded sales growth of 12% shows the bank was able to expand its revenue base meaningfully over the medium term
Bear Case 8
  • TTM compounded profit has declined 11%, reversing the multi-year growth trend and raising questions about earnings sustainability
  • Contingent liabilities of ₹2,89,480 Cr are exceptionally large relative to the bank's market cap of ₹86,030 Cr, posing material risk if even a fraction crystallises
  • Low interest coverage ratio signals vulnerability to rising funding costs or asset quality deterioration
  • Poor 5-year sales growth of approximately 8% and 10-year sales CAGR of 0% indicate structural revenue growth challenges
  • Stock is down 32% from its 52-week high of ₹118.38, reflecting significant negative market sentiment over the past year
  • 1-year stock CAGR of -13% has destroyed shareholder value in the near term despite the broader market recovery
  • 3-year ROE of 13% remains low for a bank, suggesting the institution is not generating sufficient returns on shareholder equity relative to risk
  • Potential capitalisation of interest costs could mean reported profitability overstates true economic earnings

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

AI News Digest

9h ago

TL;DR: IDBI Bank is undergoing a landmark ownership transition with Fairfax acquiring 60.72% for ₹52,878 crore, backed by a strong turnaround story — record ₹9,513 crore FY26 profit, gross NPAs down to 2.12%, and NIM expanding to 4.11%. Key risks include the deal price sitting below recent market levels, employee union resistance with a two-day strike, political opposition, and execution complexity around the CSB Bank merger. The stock has drifted to around ₹79 as markets digest the deal terms, and the near-term trajectory depends on regulatory approvals, the open offer, and whether Fairfax can articulate a credible integration roadmap.

Headwinds 5
  • Stock crashes 8% on deal price Oct 14

    IDBI Bank shares plunged 8% to ₹83.33 after the ₹81/share Fairfax deal was announced, well below market expectations of ₹100-110 and an 11% discount to the prior close of ₹90.40.

  • Two-day employee strike Nov 2-3 Nov 3

    United Forum of IDBI Officers and Employees called a nationwide strike on November 2-3 opposing the Fairfax sale, with over 10,000 staff demanding cancellation and citing job security concerns.

  • Political opposition intensifies Oct 29

    Rahul Gandhi wrote to IDBI employees opposing the sale, questioning why a profitable bank earning ₹9,513 crore net profit is being sold to a Canadian firm, while citing a 2003 parliamentary assurance to maintain 51% government ownership.

Positives 6
  • ₹52,878 cr Fairfax deal approved Oct 14

    CCEA approved sale of 60.72% IDBI Bank stake to Fairfax at ₹81/share for ₹52,878 crore, India's largest banking FDI, with completion expected by end of FY27.

  • Record FY26 profit ₹9,513 crore Oct 19

    IDBI Bank posted record net profit of ₹9,513 crore in FY26, up 27% YoY, with gross NPAs falling to 2.32% from nearly 28% in 2017-18 and capital adequacy at 26.65%.

  • Q2 NII surges 29% YoY Oct 17

    Net interest income jumped 29% YoY to ₹4,228 crore in Q2 FY27 with NIM expanding 40bps to 4.11%, while total business grew 18% YoY to ₹6.27 lakh crore.

Neutral 5
  • Regulatory approvals still pending Oct 14

    The deal awaits RBI fit-and-proper assessment, CCI clearance, and SEBI approval, with completion targeted by March 2027 and an open offer to minority shareholders still required.

  • Govt defends sale process integrity Oct 29

    Finance Ministry clarified the bidding process was overseen by the Core Group of Secretaries with a double-blind mechanism, rejecting allegations of procedural deviations in the two-round process.

  • Former bureaucrat seeks President review Oct 19

    Ex-government secretary EAS Sarma wrote to the President seeking independent inquiry into the IDBI disinvestment, arguing social costs exceed benefits for the bank's 19,108 employees including 9,500 SC/ST/OBC staff.

Quarterly Results

₹ Cr
IDBI quarterly results, ₹ crore
Particulars Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue
6,038
6,549
6,995
6,670
7,445
7,819
6,983
7,027
7,109
7,080
7,804
7,549
8,519
Expenses
1,701
2,444
2,565
1,553
2,781
2,382
2,415
2,091
1,651
2,000
2,757
1,751
2,740
Financing Profit
1,372
1,003
1,132
1,688
1,102
1,854
885
1,085
1,642
1,218
1,102
1,745
1,497
Fin. Margin %
23%
15%
16%
25%
15%
24%
13%
15%
23%
17%
14%
23%
18%
Other Income
1,025
1,031
961
857
1,368
810
2,107
1,472
2,155
1,271
1,714
1,084
1,417
Interest
2,966
3,102
3,298
3,428
3,562
3,583
3,683
3,851
3,816
3,862
3,944
4,053
4,282
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
2,397
2,034
2,093
2,546
2,470
2,664
2,991
2,557
3,797
2,489
2,816
2,829
2,914
Tax %
42%
27%
21%
32%
25%
28%
31%
21%
15%
21%
29%
25%
24%
Net Profit
1,393
1,481
1,655
1,739
1,849
1,929
2,072
2,024
3,241
1,959
2,013
2,131
2,226
EPS (₹)
1.29
1.4
1.55
1.61
1.73
1.81
1.94
1.88
3
1.82
1.87
1.98
2.06

Profit & Loss

₹ Cr
IDBI profit and loss, annual, ₹ crore
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
30,953
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
9,249
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
5,562
Fin. Margin %
−9%
−29%
−44%
−65%
−82%
−63%
−10%
−4%
6%
19%
10%
11%
18%
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
5,486
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
16,141
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
11,049
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
8,329
EPS (₹)
5.87
−17.44
−24.36
−26.37
−19.37
−12.36
1.41
2.36
3.45
5.38
7.1
8.57
7.73
Div. Payout %
13%
0%
0%
0%
0%
0%
0%
0%
29%
28%
30%
0%
—

Balance Sheet

₹ Cr
IDBI balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 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
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
61,740
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
32,640
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
3,55,224
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
22,513
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
4,82,869
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
9,675
CWIP
54
481
541
502
468
488
471
400
477
108
80
90
0
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
1,22,777
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
3,50,417
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
4,82,869

Cash Flow

₹ Cr
IDBI cash flow, annual, ₹ crore
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

Ratios

IDBI financial ratios, annual
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

Log in to view IDBI Bank insights

87 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 94.71%
  • Public 3.67%
  • Others 0.94%
  • FIIs 0.47%
  • DIIs 0.20%
  • Government 0.01%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Documents

  • Concall · Jul 2026
    PPT
  • Q4 FY26 concall · Apr 2026
    PPT
  • Q4 FY24 concall · Mar 2024
    PPT
  • Q1 FY24 concall · Jul 2023
    PPT
  • Q4 FY23 concall · Apr 2023
    PPT

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 PE ratio of IDBI Bank Ltd?
IDBI Bank Ltd trades at a PE ratio of 10.26 as of 4 Nov 2026, on earnings per share of ₹7.73, against a book value of ₹59.96 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 as of 4 Nov 2026.
Does IDBI Bank Ltd pay dividends?
IDBI Bank Ltd has a dividend yield of 2.70%.
What is the Return on Equity (ROE) of IDBI Bank Ltd?
IDBI Bank Ltd reported a return on equity of 14.10%.

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 20 Sep 1995
Face Value ₹10

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