Fundamentals scanner
Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
IndusInd Bank
Financial ServicesNeutral- Market cap
- ₹79534.67 Cr
- P/E
- 60.2x
- ROE
- —
- Debt / equity
- —
What the company does
IndusInd Bank Limited provides various banking products and financial services to individuals, corporations, government entities, and public sector undertakings in India. It operates in four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers savings, salary, current, and uniformed personnel accounts; fixed, recurring, auto sweep, senior citizen fixed, and term deposits; vehicle, used and new car, two wheeler, home, gold, agri, personal, medical equipment, term, business, and MSME loans; loans against property and securities; loans on credit card; and working capital, supply chain, and trade finance. It also provides debit, credit, prepaid, forex, duo, corporate, and business cards; life, health, and general insurance; foreign exchange services, including inward and outward remittances, and online forex portals; digital and WhatsApp banking; and national pension system, sovereign gold bonds, and government securities. In addition, the company offers mutual funds; bill payment; money transfer; NRI services; merchant solutions comprising POS terminal, payment gateway, digital rupee, and soundbox; transaction banking services, including trade finance, cash management, and tax payment; supply chain finance solutions, including supplier/vendor finance, channel finance, and receivable finance/factoring solutions; investment banking services consisting of debt syndication, debt and private equity fund-raising advisory, and M&A advisory; and inclusive banking. IndusInd Bank Limited was incorporated in 1994 and is headquartered in Mumbai, India.
Valuation — what you are paying
How the price compares to earnings, assets and cash generation.
- P/E (trailing)60.2xWeak
You are paying 60.2 years of current profit for each share. The earnings yield is 1.7%.
- P/B (price to book)1.2xStrong
The market values the company at 1.2× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
- EV / EBITDA—No data
Not available.
- Dividend yield0.15%Weak
Pays 0.15% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Profitability — is this a good business?
Returns on capital and margins, the numerical shadow of a moat.
- Return on equity—No data
Not available.
- Return on assets—No data
Not available.
- Operating margin27.3%Strong
Keeps ₹27.3 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
- Net margin7.6%Fair
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Financial strength — can it survive a bad year?
Leverage and liquidity. This is where fragility shows up first.
- Debt to equity—No data
Not available.
- Current ratio—No data
Not available.
- Total debt₹42789.19 CrNo data
Against cash of ₹48932.35 Cr. Net debt is what matters, not gross borrowings.
- Free cash flow—No data
Not available.
Growth — is it getting bigger?
Revenue and earnings momentum, and how the two compare.
- Revenue growth (yoy)+1.0%Weak
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
- Earnings growth (yoy)+71.7%Strong
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
- Revenue (TTM)₹17292.50 CrNo data
EBITDA of — and operating cash flow of —.
- PEG ratio0.72Strong
P/E divided by expected growth. Only as reliable as that growth forecast, which is usually optimistic.
Financial statements
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹25211.38 Cr | ₹26715.51 Cr | ₹30011.69 Cr | ₹25764.89 Cr |
| Cost of revenue | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Gross profit | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating expenses | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating income | — | — | — | — |
| Interest expense | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Net profit | ₹889.34 Cr | ₹2612.90 Cr | ₹8977.30 Cr | ₹7443.49 Cr |