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INDIAN OVERSEAS BANK vs KOTAK MAHINDRA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN OVERSEAS BANK KOTAK MAHINDRA BANK INDIAN OVERSEAS BANK/
KOTAK MAHINDRA BANK
 
P/E (TTM) x 45.2 20.6 219.6% View Chart
P/BV x 4.6 3.2 144.1% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 INDIAN OVERSEAS BANK   KOTAK MAHINDRA BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
KOTAK MAHINDRA BANK
Mar-23
INDIAN OVERSEAS BANK/
KOTAK MAHINDRA BANK
5-Yr Chart
Click to enlarge
High Rs371,997 1.8%   
Low Rs151,630 0.9%   
Income per share (Unadj.) Rs10.3212.2 4.8%  
Earnings per share (Unadj.) Rs1.175.1 1.5%  
Cash flow per share (Unadj.) Rs2.6242.3 1.1%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs13.2565.1 2.3%  
Shares outstanding (eoy) m18,902.411,986.56 951.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.58.5 29.6%   
Avg P/E ratio x23.324.1 96.7%  
Avg P/CF ratio x8.317.8 46.4%  
Avg Price/Bookvalue ratio x2.03.2 61.5%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m490,9903,602,620 13.6%   
No. of employees `000NANA-   
Total wages & salary Rs m41,02484,790 48.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,070421,511 46.0%  
Other income Rs m41,164259,910 15.8%   
Interest expense Rs m111,463144,111 77.3%   
Net interest income Rs m82,607277,399 29.8%  
Operating expense Rs m64,298336,450 19.1%   
Gross profit Rs m18,309-59,051 -31.0%  
Gross profit margin %9.4-14.0 -67.3%  
Provisions/contingencies Rs m38,43353,054 72.4%   
Profit before tax Rs m23,534196,462 12.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m01,446 0.0%   
Tax Rs m2,49548,657 5.1%   
Profit after tax Rs m21,040149,250 14.1%  
Net profit margin %10.835.4 30.6%  
BALANCE SHEET DATA
Advances Rs m1,780,6773,591,075 49.6%   
Deposits Rs m2,609,7363,612,726 72.2%  
Credit/Deposit ratio x68.299.4 68.6%  
Yield on advances %7.48.6 86.3%   
Cost of deposits %4.03.3 124.0%   
Net Interest Margin %3.05.0 60.8%  
Net fixed assets Rs m37,10722,612 164.1%   
Share capital Rs m189,02414,933 1,265.8%   
Free reserves Rs m59,7361,107,608 5.4%   
Net worth Rs m248,7601,122,541 22.2%   
Borrowings Rs m208,038570,339 36.5%   
Investments Rs m936,4251,953,380 47.9%   
Total assets Rs m3,134,4996,204,297 50.5%  
Debt/equity ratio x11.33.7 304.0%   
Return on assets %0.72.4 27.9%  
Return on equity %8.513.3 63.6%  
Capital adequacy ratio %16.120.8 77.5%  
Net NPAs %1.80.4 494.6%  
CASH FLOW
From Operations Rs m-155,835-12,424 1,254.3%  
From Investments Rs m-5,596-105,502 5.3%  
From Financial Activity Rs m12718,830 0.7%  
Net Cashflow Rs m-161,304-97,401 165.6%  

Share Holding

Indian Promoters % 96.4 25.9 372.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 61.1 2.2%  
FIIs % 0.0 38.1 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 74.1 4.9%  
Shareholders   727,348 634,698 114.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    BANDHAN BANK    


More on Indian Overseas Bank vs Kotak Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Indian Overseas Bank vs Kotak Bank Share Price Performance

Period Indian Overseas Bank Kotak Bank S&P BSE BANKEX
1-Day 5.41% 0.57% 0.82%
1-Month -5.06% 6.07% 2.48%
1-Year 183.33% 5.14% 19.28%
3-Year CAGR 55.67% 0.09% 12.00%
5-Year CAGR 33.40% 5.93% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the Kotak Bank share price.

Moving on to shareholding structures...

The promoters of Indian Overseas Bank hold a 96.4% stake in the company. In case of Kotak Bank the stake stands at 25.9%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Indian Overseas Bank and the shareholding pattern of Kotak Bank.

Finally, a word on dividends...

In the most recent financial year, Indian Overseas Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

Kotak Bank paid Rs 1.5, and its dividend payout ratio stood at 2.0%.

You may visit here to review the dividend history of Indian Overseas Bank, and the dividend history of Kotak Bank.

For a sector overview, read our banking sector report.



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