Kotak Mahindra Bank Ltd

Kotak Mah. Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Kotak Mahindra Bank Ltd

₹ 1,741 -1.09%
30 Dec - close price
kotak.com BSE: 500247 NSE: KOTAKBANK
About

Kotak Mahindra Bank is a diversified financial services group providing a wide range of banking and financial services including Retail Banking, Treasury and Corporate Banking, Investment Banking, Stock Broking, Vehicle Finance, Advisory services, Asset Management, Life Insurance and General Insurance.[1]

Key Points

Market Share
The company ranks 4th in both deposit and gross advances market share. Its securities broking business held an 11.8% market share in FY24, while the asset management business had a 6.5% market share. [1]

Website BSE NSE
  • Market Cap ₹ 3,46,158 Cr.
  • Current Price ₹ 1,741
  • High / Low ₹ 1,953 / 1,544
  • Stock P/E 24.6
  • Book Value ₹ 487
  • Dividend Yield 0.11 %
  • ROCE 7.24 %
  • ROE 15.3 %
  • Face Value ₹ 5.00
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Pros

  • Company has delivered good profit growth of 23.2% CAGR over last 5 years

Cons

  • Stock is trading at 3.58 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.7,63,877 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.14,408 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 6,596 6,897 7,066 7,338 8,093 8,999 9,821 10,500 11,193 11,799 12,307 12,746 13,216
Interest 2,576 2,563 2,545 2,641 2,993 3,346 3,718 4,266 4,896 5,246 5,398 5,904 6,197
3,137 2,865 2,579 3,181 3,501 3,900 3,789 4,332 4,368 4,863 4,690 5,096 5,265
Financing Profit 884 1,469 1,942 1,516 1,598 1,753 2,314 1,902 1,929 1,690 2,220 1,747 1,755
Financing Margin % 13% 21% 27% 21% 20% 19% 24% 18% 17% 14% 18% 14% 13%
1,813 1,364 1,704 1,244 1,832 1,948 2,186 2,683 2,315 2,297 2,978 6,449 2,684
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 2,696 2,833 3,646 2,760 3,431 3,701 4,500 4,585 4,244 3,987 5,198 8,196 4,439
Tax % 25% 25% 24% 25% 25% 25% 22% 25% 25% 25% 20% 24% 25%
2,032 2,131 2,767 2,071 2,581 2,792 3,496 3,452 3,191 3,005 4,133 6,250 3,344
EPS in Rs 10.25 10.74 13.94 10.43 13.00 14.06 17.60 17.37 16.06 15.12 20.79 31.44 16.82
Gross NPA % 3.19% 2.71% 2.34% 2.24% 2.08% 1.90% 1.78% 1.77% 1.72% 1.73% 1.39% 1.39% 1.49%
Net NPA % 1.06% 0.79% 0.64% 0.62% 0.55% 0.43% 0.37% 0.40% 0.37% 0.34% 0.34% 0.35% 0.43%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 8,042 8,767 9,720 16,384 17,699 19,748 23,890 26,930 26,840 27,039 34,251 45,799 50,068
Interest 4,837 5,047 5,496 9,484 9,573 10,217 12,684 13,430 11,501 10,221 12,699 19,806 22,744
2,262 2,682 3,226 6,102 6,165 7,063 8,110 10,695 10,676 11,062 13,782 17,638 19,914
Financing Profit 944 1,038 997 799 1,962 2,469 3,096 2,805 4,663 5,756 7,770 8,355 7,411
Financing Margin % 12% 12% 10% 5% 11% 12% 13% 10% 17% 21% 23% 18% 15%
1,161 1,400 2,028 2,612 3,477 4,052 4,657 5,372 5,007 5,986 7,083 10,273 14,408
Depreciation 133 165 193 287 291 303 367 372 367 381 462 615 0
Profit before tax 1,972 2,272 2,833 3,124 5,148 6,218 7,386 7,805 9,303 11,361 14,391 18,014 21,819
Tax % 31% 34% 34% 33% 34% 34% 34% 24% 25% 25% 24% 23%
1,361 1,503 1,866 2,090 3,412 4,084 4,865 5,947 6,965 8,573 10,939 13,782 16,732
EPS in Rs 9.11 9.75 12.08 11.39 18.53 21.43 25.49 31.09 35.14 43.19 55.07 69.33 84.17
Dividend Payout % 4% 4% 4% 4% 3% 3% 3% -0% 3% 3% 3% 3%
Compounded Sales Growth
10 Years: 18%
5 Years: 14%
3 Years: 20%
TTM: 24%
Compounded Profit Growth
10 Years: 25%
5 Years: 23%
3 Years: 26%
TTM: 9%
Stock Price CAGR
10 Years: 11%
5 Years: 1%
3 Years: -1%
1 Year: -9%
Return on Equity
10 Years: 13%
5 Years: 14%
3 Years: 14%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 373 385 386 917 920 953 954 957 991 992 993 994
Reserves 9,091 11,898 13,758 23,045 26,697 36,531 41,446 47,562 62,238 70,995 82,027 95,725
71,439 71,968 87,010 159,618 178,521 217,797 258,629 301,314 304,251 338,151 387,012 477,322
2,790 3,334 4,858 8,679 8,451 9,652 11,143 10,420 15,990 19,289 19,830 26,316
Total Liabilities 83,694 87,585 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357
464 1,107 1,207 1,552 1,538 1,527 1,652 1,623 1,535 1,644 1,920 2,155
CWIP -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Investments 28,873 25,485 28,659 51,260 45,074 64,562 71,189 75,052 105,099 100,580 121,404 155,404
54,356 60,994 76,146 139,448 167,978 198,844 239,331 283,577 276,836 327,204 366,538 442,798
Total Assets 83,694 87,585 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1,405 9,002 4,463 6,134 14,412 -10,275 -3,388 30,159 -5,298 2,161 -8,369 13,901
-1,478 -549 -3,454 -52 -2,976 -2,514 810 -7,426 -1,782 -1,320 529 2,031
3,938 -6,162 -727 -1,464 257 9,837 7,633 5,883 -6,586 2,456 -2,542 4,314
Net Cash Flow 1,055 2,291 282 4,617 11,692 -2,952 5,055 28,617 -13,666 3,297 -10,382 20,246

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 16% 14% 14% 11% 13% 12% 12% 13% 12% 13% 14% 15%

Shareholding Pattern

Numbers in percentages

7 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
25.99% 25.98% 25.97% 25.96% 25.95% 25.95% 25.94% 25.92% 25.91% 25.90% 25.89% 25.88%
42.06% 40.86% 40.55% 40.92% 40.90% 39.42% 41.54% 40.97% 39.74% 37.59% 33.16% 33.39%
15.49% 16.60% 17.29% 19.96% 20.09% 21.31% 19.57% 20.00% 21.38% 23.40% 27.69% 27.88%
16.46% 16.56% 16.20% 13.16% 13.05% 13.30% 12.92% 13.11% 12.98% 13.11% 13.26% 12.84%
No. of Shareholders 5,30,6925,79,8215,64,7895,54,7795,43,7365,82,7335,60,8256,35,2996,34,6986,81,3017,82,6807,39,755

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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