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IDBI Bank Limited (IN:IDBI)
:IDBI
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IDBI Bank Limited (IDBI) AI Stock Analysis

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IN:IDBI

IDBI Bank Limited

(IDBI)

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Outperform 72 (OpenAI - 4o)
Rating:72Outperform
Price Target:
₹100.00
▲(11.63% Upside)
IDBI Bank Limited's overall stock score is driven primarily by its strong financial performance and reasonable valuation. While the technical analysis presents mixed signals, the stock's financial health and attractive dividend yield make it a potentially appealing investment. Attention to operational efficiencies and consistent cash flow generation will be crucial for sustaining growth.

IDBI Bank Limited (IDBI) vs. iShares MSCI India ETF (INDA)

IDBI Bank Limited Business Overview & Revenue Model

Company DescriptionIDBI 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 MoneyIDBI 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 demonstrates strong financial performance with robust revenue growth and improved profitability. The stable balance sheet and effective cash flow management further underscore its financial health. However, fluctuations in operational efficiency and cash flow generation present areas for improvement.
Income Statement
85
Very Positive
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
78
Positive
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
80
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue265.57B340.59B141.34B109.19B90.21B76.20B
Gross Profit195.67B198.02B172.19B149.98B129.62B128.48B
EBITDA81.25B81.27B89.11B58.05B30.08B18.46B
Net Income76.31B76.31B57.88B37.06B25.34B15.14B
Balance Sheet
Total Assets4.13T4.13T3.64T3.31T3.02T2.99T
Cash, Cash Equivalents and Short-Term Investments444.77B444.77B260.09B382.46B506.03B538.12B
Total Debt199.32B199.32B146.83B324.42B323.19B159.08B
Total Liabilities3.51T3.51T3.13T2.85T2.60T2.61T
Stockholders Equity616.20B616.20B510.73B463.19B425.72B376.28B
Cash Flow
Free Cash Flow0.00254.46B184.21B-28.95B-41.27B33.85B
Operating Cash Flow0.00257.96B187.33B-26.01B-39.32B34.43B
Investing Cash Flow0.00-3.44B-2.22B-2.94B-1.95B-586.60M
Financing Cash Flow0.00-69.90B-17.68B-35.65B-43.83B14.28B

IDBI Bank Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price89.58
Price Trends
50DMA
92.05
Negative
100DMA
92.54
Negative
200DMA
84.09
Positive
Market Momentum
MACD
-0.06
Positive
RSI
42.34
Neutral
STOCH
13.93
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDBI, the sentiment is Negative. The current price of 89.58 is below the 20-day moving average (MA) of 91.73, below the 50-day MA of 92.05, and above the 200-day MA of 84.09, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 42.34 is Neutral, neither overbought nor oversold. The STOCH value of 13.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IDBI.

IDBI Bank Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
1.28T6.6014.14%3.36%7.78%2.18%
74
Outperform
1.02T5.4415.84%3.54%7.65%28.06%
72
Outperform
₹963.20B12.262.34%16.28%25.78%
70
Outperform
1.07T5.7916.64%3.39%9.22%18.54%
68
Neutral
1.24T7.3613.88%2.69%15.52%37.23%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:IDBI
IDBI Bank Limited
89.58
4.17
4.88%
IN:BANKBARODA
Bank of Baroda
248.40
8.91
3.72%
IN:CANBK
Canara Bank
118.10
10.50
9.76%
IN:INDIANB
Indian Bank
705.75
196.27
38.52%
IN:PNB
Punjab National Bank
107.75
3.62
3.48%
IN:UNIONBANK
Union Bank of India Limited
134.05
15.27
12.86%

IDBI Bank Limited Corporate Events

SEBI Approves LIC’s Reclassification in IDBI Bank’s Strategic Disinvestment
Aug 23, 2025

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
Aug 16, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 26, 2025