āagman

Not investment advice. Data and computed figures, for information only.

IDBI Bank Ltd

NSE: IDBI
₹83.45
−₹6.94 (−7.68%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹89,342 Cr
CMP
₹83.45
52-wk High / Low
₹118 / 61
P/E
9.6
P/B
1.3
Book Value
₹63.8
Div Yield
0.00%
ROCE
5.9%
ROE
14.0%
Face Value
₹10
D/E
5.47

Price−10.7% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
5
/ 9
5 of 9 F-score tests passed
Graham Number
₹111
√(22.5 × EPS × book value per share)
Cash flow to profit
1.81
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
14.0%
ROE × earnings retention ratio
ROE stability
2.8
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.11DII +0.02
Latest quarter vs the previous one
Cash-accrual divergence
−1.7%
of assets
Low = accruals track cash flow
Strengths
+Borrowings are down 60.2% since FY2016 (70592 to 28104)
+FII holding rose by 0.2pp over the last year
+PE of 9.6x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 5.9% trails the sector median of 9.4%
−Price trades below its 200-day moving average (1.0x)
−Annualised volatility of 49.0% is in the high band (≥45%)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales6,8646,0386,5496,9956,6707,4457,8196,9837,0277,1097,0807,8047,549
Expenses3,0671,7012,4442,5651,5532,7812,3822,4152,0911,6512,0002,7571,751
Operating Profit—————————————
OPM %—————————————
Other Income9071,0251,0319618571,3688102,1071,4722,1551,2711,7141,084
Interest2,8612,9663,1023,2983,4283,5623,5833,6833,8513,8163,8623,9444,053
Depreciation0000000000000
Profit before tax1,8432,3972,0342,0932,5462,4702,6642,9912,5573,7972,4892,8162,829
Net Profit1,2341,3931,5151,6721,7391,8691,9542,0942,0243,2411,9592,0132,131
EPS (₹)1.141.291.401.551.611.731.811.941.883.001.821.871.98

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales28,16428,05827,80523,04622,10220,85419,95618,31620,59226,44628,91729,02029,542
Expenses8,42414,33918,13020,69824,11820,14610,5159,97510,2329,23311,67510,3288,159
Operating Profit—————————————
OPM %—————————————
Other Income4,1893,5184,2077,2483,5354,6314,8484,9594,6173,9755,2096,6376,224
Interest22,38721,93122,01917,37616,16213,84111,4089,1229,13012,22614,25715,47415,676
Depreciation1412183623773703943974174995435386170
Profit before tax1,401−4,912−8,498−8,157−15,013−8,8962,4843,7605,3468,4187,6569,23711,931
Net Profit957−3,574−4,997−8,116−14,970−12,8191,5322,5573,7285,8147,6569,2379,343
EPS (₹)5.87−17.44−24.36−26.37−19.37−12.361.412.363.455.387.108.578.67

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital1,6042,0592,0593,0847,73610,38110,75210,75210,75210,75210,75210,752—
Reserves22,77126,00021,20418,82430,61024,45526,87631,81935,56740,32150,86857,812—
Other Liabilities10,31411,53714,64618,03910,2876,90114,41012,77317,22719,13821,56223,942—
Total Liabilities3,56,0443,75,2753,62,4883,50,9093,21,1113,00,6992,98,6533,02,5403,31,4983,64,6594,13,0084,67,386—
Fixed Assets3,0267,0416,8936,3507,8427,7197,4029,5879,3039,43512,1209,685—
CWIP544815415024684884714004771088090—
Investments97,34792,81093,07591,84893,32881,99681,47183,4751,00,4091,15,7191,18,4531,28,440—
Other Assets2,55,6172,74,9432,61,9802,52,2082,19,4742,10,4962,09,3092,09,0782,21,3092,39,3982,82,3553,29,171—
Total Assets3,56,0443,75,2753,62,4883,50,9093,21,1113,00,6992,98,6533,02,5403,31,4983,64,6594,13,0084,67,386—
Deposits2,75,5182,65,0872,68,2162,47,7772,27,1902,22,2142,30,7072,32,8502,55,3132,77,3663,09,8933,46,776—
Borrowing45,83870,59256,36463,18645,28836,74915,90814,34512,63817,08319,93228,104—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−1,991−5678,000−12,514−34,21520810,2145,068−2,701−1,25225,79616,762
Cash from Investing Activity−272−715−464720116−296−59−192−283−217−3381,441
Cash from Financing Activity−612,9271,88912,84321,6229,279−5,342−4,383−3,569−1,768−6,990−5,765
Net Cash Flow−2,3231,6459,4241,049−12,4779,1914,813492−6,554−3,23718,46712,438

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————5.9
ROE %4.0−14.0−20.0−38.0−50.0−35.04.06.08.012.014.014.0
EPS (₹)5.87−17.44−24.36−26.37−19.37−12.361.412.363.455.387.108.57
Book Value (₹)———————————63.8
Face Value (₹)———————————10
P/E———————————9.6
Div Yield %———————————0.00
NPM %3.0−11.3−15.6−26.8−58.4−50.36.211.014.819.122.425.9
OPM %————————————
D/E13.1811.9613.9514.197.117.436.555.815.785.775.355.47
P/B———————————1.3

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+0.0%
5 years+8.0%
3 years+12.0%
TTM+1.0%
Compounded profit growth
10 years+16.0%
5 years+43.0%
3 years+35.0%
TTM+18.0%
Stock price CAGR
10 years+2.0%
5 years+7.0%
3 years+5.0%
Last year−11.0%
Return on equity
10 years−3.0%
5 years11.0%
3 years13.0%
Last year14.0%

Shareholding pattern

As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters73.98%73.98%73.98%80.96%97.46%98.11%94.71%94.71%94.72%94.72%94.72%94.72%94.72%
FIIs0.00%0.00%2.53%1.71%0.10%0.02%0.09%0.03%0.22%0.45%0.46%0.56%0.45%
DIIs18.62%18.62%15.41%12.15%0.27%0.15%1.62%0.36%0.16%0.15%0.18%0.08%0.10%
Government0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%0.01%
Public7.39%7.39%8.08%5.17%2.17%1.73%3.58%4.89%4.90%4.67%4.63%4.63%4.71%
No. of shareholders4,11,5714,11,5714,03,9813,60,8863,76,1973,84,6195,40,9985,69,4815,98,4156,72,4347,21,4237,13,7767,18,543
Change since Jun 2023 (pp)
Promoters +20.74FIIs +0.45DIIs −18.52Public −2.68

Documents

As of 11 Oct 2026
Announcements
Intimation Under SEBI (LODR) Regulations, 2015Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Strikes /Lockouts / DisturbancesAnnouncement under Regulation 30 (LODR)-Credit Rating
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026PPTApr 2026PPTMar 2024PPTJul 2023PPTApr 2023PPT

Corporate actions

As of 15 Jul 2025
15 Jul 2025DIVIDENDDividend - Rs 2.10 Per Share—
16 Jul 2024DIVIDENDDividend - Rs 1.50 Per Share—
6 Jul 2023DIVIDENDAnnual General Meeting/Dividend - Re 1 Per Share—
4 Aug 2015DIVIDENDAnnual General Meeting/ Dividend - Re 0.75/- Per Share—
26 Jun 2014DIVIDENDAnnual General Meeting / Dividend - Re 0.275/- Per Share—
23 Jan 2014DIVIDENDInterim Dividend - Re 0.725/- Per Share—
29 Aug 2013DIVIDENDAnnual General Meeting And Dividend Rs.3.50 Per Share—
31 Aug 2012DIVIDENDAnnual General Meeting/Dividend Of Rs 1.50 Per Share—
9 Feb 2012DIVIDENDInterim Dividend Rs.2/- Per Share—
2 Sep 2011DIVIDENDDividend Rs 3.50 Per Share—
16 Jul 2010DIVIDENDDividend-Rs.3/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman