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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.
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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.
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.
Kotak Mahindra Bank Limited is an India-based diversified financial services company. The Company's segments include Corporate/Wholesale Banking; Retail Banking; Treasury, Balance Sheet Management Unit (BMU) and Corporate Centre; Vehicle Financing; Other Lending Activities;…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, slow-growing business, priced for perfection.
Kotak Mahindra Bank is scored on the bank / lender framework. It keeps a healthy 17.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 16%/yr and profit at 9%/yr. Book value itself has compounded 17%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.0%. In the latest quarter profit grew 3% versus the prior quarter.
At 25× earnings, the stock sits at the 100th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~10%/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 | 22.23 | 14.92 | worse |
| P/B | 2.45 | 1.63 | worse |
| ROE | 11 | 10.8 | better |
| ROA | 2.06 | 1.65 | better |
| NIM | 3.89 | 4.02 | worse |
| Net NPA | 0.25 | 0.75 | better |
| CASA | 43.3 | 39 | 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. 16% CAGR over 3 years — steady double-digit compounder.
Profit is on a 2-year growth streak. Revenue is outpacing profit (16% vs 9%) — costs are rising faster than the top line.
Operating margin has compressed from 29% to 24% — costs or competition are eating into profitability.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (9% vs -36%) — share dilution is eroding per-share value. -36% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 2.2× 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 broadly flat QoQ — stable but not accelerating. Low quarterly variance (7% spread) — a predictable, non-seasonal revenue stream.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 25.9% — widely held; sentiment-driven. FIIs trimmed 4.7pp — foreign money is rotating out. MF holding up 4.0pp — 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.