IDBI Bank Limited (IDBI) AI Stock Analysis

• Market Cap: ₹993.20B
• Dividend Yield: 2.29%
• Average Volume (3M): 411.31K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 1.44
• Revenue Growth: 16.28%
• EPS Growth: 25.78%
• Country: IN
• Employees: 17,047
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 10,752,402,000
• 10 Day Avg. Volume: 276,820
• 30 Day Avg. Volume: 411,308
• PEG Ratio: 0.34
• Price to Book (P/B): 1.36
• Price to Sales (P/S): 4.33
• P/FCF Ratio: 3.28
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹105.00
• Price Target Upside: 14.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: ₹105.00 ▲(14.40% Upside)

IDBI Bank Limited's overall stock score reflects strong financial performance and a moderately positive technical outlook. The valuation is reasonable, though not particularly compelling. The absence of earnings call data and corporate events means these factors did not influence the score.

IDBI Bank Limited Business Overview & Revenue Model

Company Description

IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, current, and salary accounts, and fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; phone, mobile, and Internet banking services; and investment advisory and capital market services. It also provides fund and non-fund-based assistance; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines (ATMs)/cash dispense vendors; technology upgrading fund scheme for textile and jute industries; and lending to non-banking finance companies/housing finance companies and commercial real estate sector. In addition, the company offers bank guarantees, letters of credit, documentary collection, bill discounting, and foreign currency; cash management, treasury, trade finance, and remittance services; and debt syndication and advisory services. Further, it provides finance to micro, small, and medium enterprises; agriculture finance; and products and services for non-resident Indians. Additionally, the company offers information technology and security, and contact center services; merchant banking, stock broking, portfolio management of pension/PF funds; and mutual fund, security trusteeship assignments, share pledge trustee, venture capital fund, safe keeping, escrow agency, and other trusteeship services, as well as acts as a trustee to securitization transactions and bond/debentures. As of March 31, 2022, it operated 1,886 branches, 3,403 ATMs, and 58 e-lounges. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. The company was founded in 1964 and is headquartered in Mumbai, India.

How the Company Makes Money

IDBI Bank Limited generates revenue through various streams, primarily through its core banking operations. The bank earns interest income from loans and advances provided to individual and corporate clients, which constitutes a significant portion of its revenue. Additionally, IDBI generates non-interest income from fees and commissions related to services like asset management, insurance, investment banking, and other financial services. The bank also benefits from treasury operations, including trading of government securities, bonds, and foreign exchange. Partnerships with financial institutions and service providers further enhance its revenue by expanding its service offerings and customer reach.

IDBI Bank Limited Financial Statement Overview

Summary

IDBI Bank Limited exhibits strong financial performance with robust revenue growth and improved profitability. The balance sheet is stable with low leverage risk, and cash flow management is effective. However, fluctuations in operational efficiency and cash flow generation present areas for improvement.

Income Statement

IDBI Bank Limited has demonstrated strong growth in its revenue and profitability over the past few years. The bank's gross profit margin and net profit margin have shown significant improvement, with the net profit margin increasing from 13.4% in 2021 to 22.4% in 2025. Revenue has grown consistently, reflecting a robust business model. However, the EBIT and EBITDA margins have fluctuated, indicating some volatility in operational efficiency.

Balance Sheet

The balance sheet of IDBI Bank Limited shows a stable financial position with a strong equity base. The debt-to-equity ratio is low, indicating prudent financial management and low leverage risk. The equity ratio has remained stable, suggesting a solid capital structure. However, the return on equity (ROE) has shown variability, reflecting the bank's journey towards improving shareholder returns.

Cash Flow

IDBI Bank Limited has shown a strong improvement in cash flow metrics. The bank's operating cash flow to net income ratio has improved, demonstrating efficient cash generation relative to its net income. Free cash flow has grown significantly, indicating strong cash generation capacity. However, fluctuations in free cash flow growth highlight potential challenges in maintaining consistent cash flow generation.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	311.11B	192.89B	141.34B	109.19B	90.21B	76.20B
Gross Profit	203.51B	198.02B	141.34B	109.19B	129.62B	128.48B
EBITDA	106.81B	81.27B	89.11B	58.05B	30.08B	18.46B
Net Income	79.16B	76.31B	57.88B	37.06B	25.34B	15.14B
Balance Sheet
Total Assets	4.04T	4.13T	3.64T	3.31T	3.02T	2.99T
Cash, Cash Equivalents and Short-Term Investments	330.71B	444.77B	260.09B	293.52B	102.36B	538.12B
Total Debt	224.62B	199.32B	364.76B	324.42B	323.19B	159.08B
Total Liabilities	3.41T	3.51T	3.13T	2.85T	2.60T	2.61T
Stockholders Equity	636.97B	616.20B	510.73B	463.19B	425.72B	376.28B
Cash Flow
Free Cash Flow	0.00	254.46B	184.21B	-28.95B	-41.27B	33.85B
Operating Cash Flow	0.00	257.96B	187.33B	-26.01B	-39.32B	34.43B
Investing Cash Flow	0.00	-3.44B	-2.22B	-2.94B	-1.95B	-586.60M
Financing Cash Flow	0.00	-69.90B	202.58B	-35.65B	-43.83B	14.28B

IDBI Bank Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 91.78
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDBI, the sentiment is Neutral. The current price of 91.78 is below the 20-day moving average (MA) of 92.07, above the 50-day MA of 91.39, and above the 200-day MA of 85.07, indicating a neutral trend. The MACD of 0.14 indicates Negative momentum. The RSI at 48.74 is Neutral, neither overbought nor oversold. The STOCH value of 40.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:IDBI.

IDBI Bank Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IDBI	76 Outperform	₹993.20B	12.55	―	2.29%	16.28%	25.78%
BANKBARODA	74 Outperform	₹1.38T	7.07	―	3.16%	7.78%	2.18%
UNIONBANK	74 Outperform	₹1.06T	5.63	―	3.47%	7.65%	28.06%
CANBK	70 Outperform	₹1.16T	6.25	―	3.19%	9.22%	18.54%
PNB	68 Neutral	₹1.33T	7.93	―	2.55%	15.52%	37.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

IDBI Bank Limited Corporate Events

SEBI Approves LIC’s Reclassification in IDBI Bank’s Strategic Disinvestment

IDBI Bank Limited has announced that the Securities and Exchange Board of India (SEBI) has approved the reclassification of the Life Insurance Corporation of India (LIC) as a public shareholder. This decision is part of the ongoing strategic disinvestment of IDBI Bank, which aims to reduce LIC’s influence and voting rights in the bank. The reclassification is contingent upon several conditions, including limiting LIC’s voting rights to 10% and reducing its shareholding to 15% or below within two years. This move is expected to impact IDBI Bank’s ownership structure and could influence its market positioning and stakeholder relationships.

IDBI Bank to Exercise Call Option on Tier 2 Bonds

IDBI Bank Limited announced that its Board of Directors approved the exercise of a call option on the IDBI Omni Tier 2 Bond, 2015-16 Series I, with ISIN INE008A08V00. This decision will lead to the redemption of these bonds at face value, along with accrued interest, subject to regulatory approval. This move is part of the bank’s strategic financial management, potentially impacting its capital structure and providing insights into its future financial strategies.