IDBI Bank Limited (IDBI) AI Stock Analysis

• Market Cap: ₹959.87B
• Dividend Yield: 2.36%
• Average Volume (3M): 496.77K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.42
• Revenue Growth: 16.28%
• EPS Growth: 25.78%
• Country: IN
• Employees: 17,047
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 1.88
• Shares Outstanding: 10,752,402,000
• 10 Day Avg. Volume: 703,362
• 30 Day Avg. Volume: 496,771
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹99.00
• Price Target Upside: 11.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ₹99.00 ▲(11.40% Upside)

IDBI Bank Limited's overall stock score reflects its strong financial performance and attractive valuation. However, technical indicators suggest caution with potential downward momentum. The absence of earnings call insights and corporate events means these factors do not influence the score.

IDBI Bank Limited Business Overview & Revenue Model

Company Description

IDBI Bank Limited (IDBI) is a prominent financial institution in India, offering a comprehensive range of banking and financial services. As a full-service bank, IDBI caters to both individual and corporate clients, providing services such as retail banking, corporate banking, treasury operations, and other financial services. The bank also engages in investment banking, insurance, and capital market services, making it a versatile player in the financial sectors.

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 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

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	265.57B	340.59B	141.34B	109.19B	90.21B	76.20B
Gross Profit	195.67B	198.02B	172.19B	149.98B	129.62B	128.48B
EBITDA	81.25B	81.27B	89.11B	58.05B	30.08B	18.46B
Net Income	76.31B	76.31B	57.88B	37.06B	25.34B	15.14B
Balance Sheet
Total Assets	4.13T	4.13T	3.64T	3.31T	3.02T	2.99T
Cash, Cash Equivalents and Short-Term Investments	444.77B	444.77B	260.09B	382.46B	506.03B	538.12B
Total Debt	199.32B	199.32B	146.83B	324.42B	323.19B	159.08B
Total Liabilities	3.51T	3.51T	3.13T	2.85T	2.60T	2.61T
Stockholders Equity	616.20B	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	-17.68B	-35.65B	-43.83B	14.28B

IDBI Bank Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 88.87
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 88.87 is below the 20-day moving average (MA) of 90.04, below the 50-day MA of 93.91, and above the 200-day MA of 83.10, indicating a neutral trend. The MACD of -1.04 indicates Positive momentum. The RSI at 45.21 is Neutral, neither overbought nor oversold. The STOCH value of 38.78 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNIONBANK	74 Outperform	₹971.76B	5.17		3.73%	7.65%	28.06%
BANKBARODA	74 Outperform	₹1.21T	6.22		3.57%	7.78%	2.18%
IDBI	72 Outperform	₹959.87B	12.13		2.36%	16.28%	25.78%
CANBK	70 Outperform	₹971.92B	5.25		3.73%	9.22%	18.54%
Sector *	68 Neutral	$17.81B	11.87	10.24%	3.74%	9.75%	1.30%
INDIANB	―	₹894.18B	8.15		2.45%	―	―
PNB	68 Neutral	₹1.19T	7.09		2.80%	15.52%	37.23%