IDBI Bank Limited (IDBI) AI Stock Analysis

• Market Cap: ₹1.03T
• Dividend Yield: 2.08%
• Average Volume (3M): 411.24K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.48
• Revenue Growth: 11.31%
• EPS Growth: 37.17%
• Country: US
• Employees: 17,047
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.82
• Shares Outstanding: 10,752,402,000
• 10 Day Avg. Volume: 269,403
• 30 Day Avg. Volume: 411,239
• PEG Ratio: 0.34
• Price to Book (P/B): 1.36
• Price to Sales (P/S): 2.59
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: ₹115.00 ▲(0.13% Upside)

IDBI Bank Limited's strong financial performance and bullish technical indicators are the primary drivers of its stock score. The valuation is reasonable, supporting a positive outlook. However, attention to operational efficiencies and consistent cash flow generation is necessary to sustain growth.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business strategy, supporting long-term financial stability.

Cash Generation

Strong cash generation enhances financial flexibility, enabling the company to invest in growth opportunities and weather economic downturns.

Balance Sheet Health

A strong balance sheet with low leverage risk ensures financial stability and supports sustainable growth, reducing vulnerability to market fluctuations.

Negative Factors

Operational Efficiency

Inconsistent operational efficiency can hinder profitability and growth, requiring management focus to optimize processes and cost structures.

EBIT and EBITDA Volatility

Volatility in EBIT and EBITDA margins suggests challenges in maintaining consistent profitability, potentially impacting long-term financial performance.

Return on Equity Variability

Variable ROE indicates challenges in delivering consistent shareholder value, necessitating strategic initiatives to enhance return on investments.

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 generates revenue primarily through interest income from its lending activities. The bank lends money to individuals, businesses, and other entities, earning interest on these loans, which constitutes a significant portion of its revenue. Additionally, IDBI earns fee-based income from various services such as account maintenance fees, transaction fees, and charges for financial advisory services. The bank also benefits from investments in government securities and bonds, which provide interest income. Significant partnerships with financial institutions and participation in government schemes further enhance its earning potential. Furthermore, IDBI engages in treasury operations, managing its liquidity and investing in securities to maximize returns.

IDBI Bank Limited Financial Statement Overview

Summary

IDBI Bank Limited demonstrates strong financial performance with robust revenue growth and improved profitability. The balance sheet is stable with low leverage, and cash flow metrics show efficient cash generation. 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	332.22B	322.50B	294.45B	241.29B	220.83B	241.96B
Gross Profit	185.42B	179.94B	172.19B	149.98B	129.62B	127.88B
EBITDA	76.00B	81.27B	63.07B	41.86B	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: 114.85
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 114.85 is above the 20-day moving average (MA) of 103.77, above the 50-day MA of 101.11, and above the 200-day MA of 93.75, indicating a neutral trend. The MACD of -0.40 indicates Positive momentum. The RSI at 46.15 is Neutral, neither overbought nor oversold. The STOCH value of 26.44 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
UNIONBANK	82 Outperform	₹1.34T	6.96	―	3.15%	3.86%	19.14%
BANKBARODA	81 Outperform	₹1.56T	8.04	―	2.86%	4.40%	-3.84%
IDBI	76 Outperform	₹1.03T	11.38	―	2.08%	11.31%	37.17%
CANBK	75 Outperform	₹1.39T	7.13	―	2.66%	8.89%	19.79%
PNB	75 Outperform	₹1.44T	8.01	―	2.40%	12.10%	12.93%
INDIANB	74 Outperform	₹1.14T	9.93	―	2.07%	9.74%	12.56%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

IDBI Bank Limited Corporate Events

IDBI Bank Posts Double-Digit Growth in Provisional Q3 FY25 Business Metrics

IDBI Bank has reported provisional key business figures for the quarter ended December 31, 2025, under SEBI disclosure norms. Total business rose to ₹5,46,634 crore from ₹4,89,245 crore a year earlier, reflecting year-on-year growth of about 12%, while total deposits increased to ₹3,07,828 crore, up around 9% from December 2024. CASA deposits stood at ₹1,35,630 crore, registering 4% growth year-on-year, and net advances climbed to ₹2,38,806 crore from ₹2,06,807 crore, a robust 15% increase, indicating continued expansion in the bank’s lending operations. These provisional numbers, which are subject to statutory audit review, suggest strengthening business momentum and a growing loan book, factors that are likely to be closely watched by investors and regulators for signals on IDBI Bank’s operational performance and competitive positioning in the Indian banking sector.

IDBI Bank Opens Special Window for Physical Share Transfer Requests

IDBI Bank Limited has announced the opening of a special window for the re-lodgement of transfer requests for physical shares. This initiative, in compliance with SEBI regulations, allows shareholders to rectify and re-lodge previously rejected or unattended transfer requests from July 7, 2025, to January 6, 2026. The process requires shareholders to have a demat account, and all transfers will be processed in dematerialized form. This move is expected to streamline the transfer process and enhance shareholder convenience.

IDBI Bank Releases Un-audited Financial Results for September 2025

IDBI Bank Limited announced the approval of its un-audited financial results for the quarter and half-year ending September 30, 2025. The results, approved by the Board of Directors following recommendations from the Audit Committee, are available on the bank’s website. This announcement reflects the bank’s compliance with regulatory requirements and provides stakeholders with insights into its financial performance.