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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
IDBI Bank Limited is an India-based banking company, which is engaged in providing a range of banking and ¬financial services including retail banking, wholesale banking, and treasury operations. Its segments include Corporate/Wholesale banking, Retail banking, Treasury, and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history.
IDBI Bank is scored on the bank / lender framework. It keeps a fat 25.9% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at 36%/yr. Book value has grown 14%/yr. Return on equity is a modest 11.4%. In the latest quarter profit grew 4% versus the prior quarter.
At 9× earnings, the stock sits at the 7th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-0%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.25 | 9.9 | worse |
| P/B | 1.32 | 1.39 | better |
| ROE | 11.45 | 9.98 | better |
| ROA | 2.27 | 0.92 | better |
| NIM | 3.13 | 4.25 | worse |
| Net NPA | 0.15 | 0.79 | better |
| CASA | 44.59 | 30.48 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 12% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (36% vs 12%) — margin expansion is at work.
Operating margin has expanded from 21% to 33% — the business is keeping more of each rupee earned.
EPS has grown every year — each share earns more than the last, consistently. 35% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 1.8× PAT — earnings are well-backed by cash; strong accrual quality. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 15% sequentially — momentum is building.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 94.7% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.