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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.
IndusInd Bank Limited (the Bank) is engaged in providing financial services. The Bank offers a wide range of products and services for individuals and corporates, including microfinance, personal loans, personal and commercial vehicle loans, credit cards and small to medium…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection.
IndusInd Bank is scored on the bank / lender framework. It keeps a thin 1.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 6%/yr and profit at -51%/yr. Book value has grown 6%/yr. Return on equity is a weak 4.4%. In the latest quarter profit grew 20% versus the prior quarter.
At 80× earnings, the stock sits at the 90th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~11%/yr earnings growth for a decade. 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 | 23.62 | 10.03 | worse |
| P/B | 1.05 | 1.4 | better |
| ROE | 4.42 | 9.98 | worse |
| ROA | 0.17 | 0.92 | worse |
| NIM | 3.27 | 4.25 | worse |
| Net NPA | 1 | 0.79 | worse |
| CASA | 31.24 | 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 is on a 2-year growth streak. 6% CAGR — growing but slowly. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (6% vs -51%) — costs are rising faster than the top line. The latest year saw a -65% swing — check if it's a one-off or structural.
Operating margin has compressed from 22% to 2% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -51% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 3 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 20.6× PAT — earnings are well-backed by cash; strong accrual quality. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 20% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (1% → 9%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 15.8% — widely held; sentiment-driven. MF holding up 3.6pp — domestic institutional discovery underway.
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.