Loading live market data…
Loading live market data…
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 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.
How the price compares to earnings, assets and cash generation.
You are paying 52.3 years of current profit for each share. The earnings yield is 1.9%. The tracked Banking & Finance median is 20.4× (n=15), so this trades richer than its peers.
The market values the company at 1.1× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
Not available.
Pays 0.17% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Based on the next-year earnings estimate — 11.2× against 52.3× trailing. A forward P/E well below trailing is pricing in an earnings jump; treat the forecast with caution.
You pay 4.0× annual sales. Useful when earnings are depressed or negative and P/E breaks down — but a high multiple needs high margins to justify it.
Returns on capital and margins, the numerical shadow of a moat.
Not available.
Not available.
Keeps ₹27.3 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Keeps ₹0.0 of gross profit per ₹100 of sales, before operating costs. A high, stable gross margin is the clearest single sign of pricing power.
Leverage and liquidity. This is where fragility shows up first.
Not available.
Not available.
Not available.
Against cash of ₹48932.35 Cr. Net debt is what matters, not gross borrowings.
Not available.
Revenue and earnings momentum, and how the two compare.
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
EBITDA of — and operating cash flow of —.
P/E divided by expected growth. Only as reliable as that growth forecast, which is usually optimistic.
The figures quoted per share, and how much profit is handed back to owners.
₹16.97 of profit earned per share over the last twelve months. Price divided by this is the trailing P/E.
The accounting net worth behind each share is ₹844.19; price-to-book compares the market price with this.
Pays out 9% of profit as dividends and retains the rest. Above roughly 85% leaves little to reinvest and is hard to sustain through a weak year.
Market cap plus net debt — closer to what an acquirer actually pays. Against a market cap of ₹69098.45 Cr.
Nine yes/no tests of profitability, funding and efficiency across the last two years; higher is stronger. A test is dropped only where the data is missing, so the score is out of 7.
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹25128.20 Cr | ₹26496.85 Cr | ₹29465.38 Cr | ₹25467.68 Cr | — |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expenses | ₹16082.43 Cr | ₹15824.81 Cr | ₹14399.27 Cr | ₹11647.16 Cr | — |
| Operating income | — | — | — | — | — |
| Interest expense | ₹28268.49 Cr | ₹29636.35 Cr | ₹25132.29 Cr | ₹18775.80 Cr | — |
| Pre-tax income | ₹1210.45 Cr | ₹3525.75 Cr | ₹11979.20 Cr | ₹9932.19 Cr | — |
| Tax | ₹321.27 Cr | ₹950.34 Cr | ₹3002.21 Cr | ₹2489.06 Cr | — |
| Net profit | ₹889.34 Cr | ₹2575.54 Cr | ₹8977.30 Cr | ₹7443.50 Cr | — |