IDBI Bank Ltd
Fundamental Score
IDBI Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of IDBI across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (57.50%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 11.61 vs Industry: 15.23)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (73.56%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Excellent EPS Growth (20.82% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (21.01% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹36009.89 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Suboptimal ROCE (6.78%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 4.81)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.80x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Limited Public Float (94.71% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
Limited Institutional Interest (FII+DII: 0.58%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for IDBI Bank Ltd
About IDBI
Business Overview
IDBI Bank Limited provides banking and financial solutions to retail and corporate customers in India. It operates through three segments: Corporate/Wholesale Banking, Retail Banking, and Treasury Operations. The company offers savings, current, and salary accounts, as well as fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; mobile and Internet banking; 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/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, and bill discounting services; cash management, trade finance, and remittance services; and debt syndication and advisory services. Further, it provides finance to micro, small, and medium enterprises; agriculture finance; products and services for non-resident Indians; treasury services, such as call money/ notice money / term money, commercial papers, certificate of deposit, government securities, treasury bills, corporate bonds, and equities; and foreign currency services comprising remittances, currency forward contracts, LTFX, FX-retail, currency options, swaps, FRA, currency exchange, and exchange traded derivative contracts. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. IDBI Bank Limited was founded in 1964 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
IDBI Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of IDBI Bank Ltd (IDBI)?
As of 09 Feb 2026, 12:24 pm IST, IDBI Bank Ltd (IDBI) is currently trading at ₹104.04. The stock has a market capitalization of ₹1.08L (Cr).
Is IDBI share price Overvalued or Undervalued?
IDBI is currently trading at a P/E ratio of 11.61x, compared to the industry average of 15.23x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the IDBI Bank Ltd share price?
Key factors influencing IDBI's price include its quarterly earnings growth (Sales Growth: -4.51%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is IDBI Bank Ltd a good stock for long-term investment?
IDBI Bank Ltd shows a 5-year Profit Growth of 21.01% and an ROE of 13.55%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.81 before investing.
How does IDBI Bank Ltd compare with its industry peers?
IDBI Bank Ltd competes with major peers in the Private Sector Bank. Investors should compare IDBI's P/E of 11.61x and ROE of 13.55% against the industry averages to determine its competitive standing.
What is the P/E ratio of IDBI and what does it mean?
IDBI has a P/E ratio of 11.61x compared to the industry average of 15.23x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹12 for every ₹1 of annual earnings.
How is IDBI performing according to Bull Run's analysis?
IDBI has a Bull Run fundamental score of 53.8/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does IDBI belong to?
IDBI operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting IDBI Bank Ltd.
What is Return on Equity (ROE) and why is it important for IDBI?
IDBI has an ROE of 13.55%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently IDBI Bank Ltd generates profits from shareholders' equity.
How is IDBI's debt-to-equity ratio and what does it indicate?
IDBI has a debt-to-equity ratio of 4.81, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is IDBI's dividend yield and is it a good dividend stock?
IDBI offers a dividend yield of 2.10%, which means you receive ₹2.10 annual dividend for every ₹100 invested.
How has IDBI grown over the past 5 years?
IDBI has achieved 5-year growth rates of: Sales Growth 6.76%, Profit Growth 21.01%, and EPS Growth 20.82%.
What is the promoter holding in IDBI and why does it matter?
Promoters hold 94.71% of IDBI shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is IDBI's market capitalization category?
IDBI has a market capitalization of ₹107750 crores, placing it in the Large-cap category.
How volatile is IDBI stock?
IDBI has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for IDBI?
IDBI has a 52-week high of ₹N/A and low of ₹N/A.
What is IDBI's operating profit margin trend?
IDBI has a 5-year average Operating Profit Margin (OPM) of 57.50%, indicating the company's operational efficiency.
How is IDBI's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -4.51% and YoY Profit Growth of 73.56%.
What is the institutional holding pattern in IDBI?
IDBI has FII holding of 0.47% and DII holding of 0.11%. Significant institutional holding often suggests professional confidence in the stock.