IDBI Bank Ltd
Ticker: IDBI
Risky
48/100
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Investing Reference
Price
93.15
Market Cap
100158.63
Debt/Equity
0.0000
ROE %
13.504
PB
1.6211
Promoter %
94.713
Pledge %
0.000
1Y Rev Growth %
12.179
5Y Rev Growth %
6.013
NP Margin %
22.360
NP Margin 5Y Avg %
14.616
Trading Reference
1M Return %
-1.609
6M Return %
15.485
1Y Return %
13.280
% Away 52W High
14.138
% Away 52W Low
41.372
Daily Volume
5084860
Investment Verdict
Buy
Score 82/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 41/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
IDBI Bank Ltd is currently trading near a strong support level, with recent volume indicating bullish sentiment. If it breaks above the resistance level at 75, there is potential for upside. However, if it falls below the support at 60, it could face significant downside risk.
Upside Probability: 20% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
IDBI Bank Ltd is a leading private sector bank in India, offering a wide range of financial services to individuals, businesses, and institutions. With a strong focus on customer satisfaction and innovative banking solutions, IDBI Bank aims to empower its clients to achieve their financial goals. Its extensive branch network and digital banking capabilities make banking convenient and accessible for everyone.
- Established private sector bank with a strong reputation
- Comprehensive financial services for individuals and businesses
- Focus on customer satisfaction and innovative solutions
- Extensive branch network across India
- Robust digital banking platform for convenience
Investment Thesis
IDBI Bank Ltd presents a compelling investment opportunity due to its robust promoter group, significant growth in digital services, and attractive valuation compared to its peers. These factors position the bank well for future growth and profitability, making it a strong candidate for investors seeking value in the banking sector.
- Strong backing from the LIC promoter group enhances credibility and stability.
- Rapid expansion in digital banking services caters to the evolving consumer landscape.
- Valuation metrics indicate IDBI Bank is trading at a discount to industry peers.
- Improving asset quality and profitability metrics signal a turnaround in performance.
- Strategic focus on retail and MSME lending supports sustainable growth.
Opportunity vs Risk
Opportunities
- Strong loan growth potential
- Improving asset quality
- Government support for banking sector
- Digital banking expansion
- Rising interest rates boost margins
Risks ⚠️
- High non-performing assets
- Regulatory changes impact operations
- Economic slowdown affects lending
- Intense competition in banking
- Market volatility affecting stock price
Peer Perspective
IDBI Bank Ltd trades at a discount to peers like ICICI Bank and HDFC Bank, primarily due to concerns over asset quality. A sustained improvement in margins and loan growth could trigger a rerating.
Future Outlook
IDBI Bank Ltd is poised for growth, driven by strategic initiatives and a focus on improving asset quality. Successful execution of cost control measures will be crucial to sustain momentum and enhance shareholder value.
AI FAQs for Retail Users
- Q: What does IDBI Bank Ltd do?A: IDBI Bank Ltd is a private sector bank offering various financial services, including loans and deposits.
- Q: Is IDBI Bank Ltd a safe investment?A: Like all investments, IDBI Bank carries risks. It's important to research and consider your financial goals.
- Q: How can I buy shares of IDBI Bank Ltd?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What factors affect IDBI Bank Ltd's stock price?A: Stock price can be influenced by market conditions, financial performance, and economic indicators.
- Q: What is the dividend policy of IDBI Bank Ltd?A: IDBI Bank has a history of paying dividends, but future payments depend on profitability and board decisions.
📊 Stock Investment Checklist (100 Points)
IDBI Bank Ltd • Updated: 2025-09-17 06:57:19
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8BusinessHighThe banking sector is evolving with digital transformation, but IDBI's competitive positioning is moderate.
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10GrowthHighRevenue growth has been inconsistent, with recent quarters showing some improvement.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating moderate profitability.
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9ValuationHighValuation metrics like P/E and P/B are reasonable compared to peers, but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks in digital initiatives.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
IDBI Bank Ltd presents a risky investment opportunity with moderate growth and profitability concerns.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100