Indusind Bank Ltd

Indusind Bank maintains a capital structure characterized by total assets of 5,433,939,200,000 INR and total equity of 657,396,300,000 INR. The bank carries long-term debt of 427,891,900,000 INR, resulting in a debt-to-equity ratio of 0.65. Liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow stands at 9,928,900,000 INR, while free cash flow is 7,611,600,000 INR, supported by capital expenditures of -6,919,100,000 INR.

Profitability metrics indicate a return on equity of 0.0135 and a return on assets of 0.0016. These returns are derived from a net income of 8,893,400,000 INR against total revenue of 179,823,200,000 INR. The low ROE and ROA suggest modest efficiency in converting assets and equity into profit relative to the scale of the balance sheet.

Segment and geographic revenue concentration data is not provided in the available input. Consequently, specific insights into revenue mix by business line or regional exposure cannot be detailed. The analysis relies on aggregate financial figures for the entire entity.

Growth trajectory analysis is limited due to the absence of historical periods data. Without five-year annual or eight-quarter quarterly revenue and net income trends, the direction and velocity of recent growth cannot be quantified from the provided snapshot.

Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction. Dilution risk is low, with basic and diluted shares outstanding both at 779,132,752, indicating no current dilutive securities impacting the share count.

Recent observations include analyst estimates with a mean price target of 883.34 INR and a median of 900.00 INR. The mean recommendation is 3.08, with 3 strong buys, 6 buys, and 14 holds. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, though no comparative metrics are provided for these entities.

Total assets grew at a 7.8% CAGR over five years, indicating consistent balance sheet expansion despite recent revenue headwinds.

Equity grew at an 8.2% CAGR over five years, demonstrating sustained capital accumulation to support future lending activities.

The debt-to-equity ratio of 0.65 is below the bank cohort median of 0.43, suggesting a relatively conservative leverage profile.

Analysts maintain a mean price target of 880.49, implying potential upside from current market levels for investors.

Dilution risk is assessed as low, providing reassurance to existing shareholders regarding potential equity value erosion.

Return on equity of 1.35% ranks in the bottom quartile of the bank cohort, indicating poor capital efficiency.

Net margin of 4.95% is in the bottom quartile of the bank cohort, highlighting significant competitive or operational challenges.

Revenue INR 43.71B, +43,4% YoY; Net income +125,5% YoY.

• ▍Revenue INR 43.71B, +43,4% YoY
• ▍Net income +125,5% YoY
• ▍Net margin 13.6%

Revenue INR 45.62B, −12,8% YoY; Net income −90,9% YoY.

• ▍Revenue INR 45.62B, −12,8% YoY
• ▍Net income −90,9% YoY
• ▍Net margin 2.8%

Revenue INR 44.09B, −17,5% YoY; Net income −132,8% YoY.

• ▍Revenue INR 44.09B, −17,5% YoY
• ▍Net income −132,8% YoY
• ▍Net margin -9.9%

Revenue INR 46.40B, −14,2% YoY; Net income −72,2% YoY.

• ▍Revenue INR 46.40B, −14,2% YoY
• ▍Net income −72,2% YoY
• ▍Net margin 13.0%

Revenue INR 30.48B; Net margin -76.4%.

• ▍Revenue INR 30.48B
• ▍Net margin -76.4%

Revenue INR 52.28B; Net margin 26.8%.

• ▍Revenue INR 52.28B
• ▍Net margin 26.8%

Revenue INR 53.47B; Net margin 24.9%.

• ▍Revenue INR 53.47B
• ▍Net margin 24.9%

Revenue INR 54.08B; Net margin 40.1%.

• ▍Revenue INR 54.08B
• ▍Net margin 40.1%

Revenue INR 179.82B, −5,5% YoY; Net income −65,5% YoY.

• ▍Revenue INR 179.82B, −5,5% YoY
• ▍Net income −65,5% YoY
• ▍Free cash flow −30,3% YoY
• ▍Net margin 4.9%

Revenue INR 190.31B, −7,7% YoY; Net income −71,3% YoY.

• ▍Revenue INR 190.31B, −7,7% YoY
• ▍Net income −71,3% YoY
• ▍Free cash flow −85,7% YoY
• ▍Net margin 13.5%

Revenue INR 206.16B, +17,2% YoY; Net income +20,6% YoY.

• ▍Revenue INR 206.16B, +17,2% YoY
• ▍Net income +20,6% YoY
• ▍Free cash flow +15,2% YoY
• ▍Net margin 43.5%

Revenue INR 175.92B, +17,3% YoY; Net income +54,9% YoY.

• ▍Revenue INR 175.92B, +17,3% YoY
• ▍Net income +54,9% YoY
• ▍Free cash flow +52,0% YoY
• ▍Net margin 42.3%