Kotakbank
Current Price
₹ 356
Live Data
About Company
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]
Financial Ratios
Key fundamental data analysis
Market Cap
₹ 3,54,344 Cr.
Current Price
₹ 356
High / Low
₹ 460 / 352
Stock P/E
18.8
Book Value
₹ 169
Dividend Yield
0.14 %
ROCE
8.17 %
ROE
15.4 %
Face Value
₹ 1.00
Analysis
Pros
- Company has delivered good profit growth of 20.8% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Contingent liabilities of Rs.11,75,810 Cr.
- Earnings include an other income of Rs.37,905 Cr.
Quarterly Results
| Metrics | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11011 | 11982 | 12869 | 13717 | 14495 | 15156 | 15837 | 16427 | 16633 | 16772 | 17248 | 17199 | 17507 |
| Interest | 3802 | 4230 | 4834 | 5536 | 5985 | 6212 | 6805 | 7139 | 7170 | 7160 | 7527 | 7333 | 7384 |
| Expenses | 9345 | 10548 | 10303 | 10136 | 12484 | 14920 | 12263 | 13094 | 10596 | 13664 | 13123 | 11606 | 13933 |
| Financing Profit | -2136 | -2796 | -2269 | -1955 | -3975 | -5976 | -3231 | -3806 | -1133 | -4051 | -3402 | -1740 | -3811 |
| Financing Margin % | -19 | -23 | -18 | -14 | -27 | -39 | -20 | -23 | -7 | -24 | -20 | -10 | -22 |
| Other Income | 7360 | 8785 | 7855 | 7843 | 9588 | 12751 | 13042 | 10453 | 7313 | 10402 | 9456 | 7703 | 10344 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 5224 | 5989 | 5586 | 5888 | 5614 | 6775 | 9811 | 6647 | 6180 | 6351 | 6053 | 5963 | 6533 |
| Tax % | 24 | 24 | 26 | 25 | 25 | 23 | 25 | 25 | 25 | 23 | 27 | 25 | 25 |
| Net Profit | 3995 | 4566 | 4150 | 4461 | 4265 | 5337 | 7448 | 5044 | 4701 | 4933 | 4472 | 4468 | 4924 |
| EPS in Rs | 4.02 | 4.6 | 4.18 | 4.49 | 4.29 | 5.37 | 7.49 | 5.07 | 4.73 | 4.96 | 4.5 | 4.49 | 4.95 |
| Gross NPA % | 1.91 | 1.76 | 1.75 | 1.69 | 1.68 | 1.38 | 1.39 | 1.48 | 1.51 | 1.45 | |||
| Net NPA % | 0.48 | 0.41 | 0.43 | 0.39 | 0.36 | 0.36 | 0.38 | 0.45 | 0.44 | 0.36 |
Profit & Loss
| Metrics | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11986 | 13319 | 20402 | 22324 | 25131 | 29831 | 33474 | 32820 | 33741 | 42151 | 56237 | 65669 | 68726 |
| Interest | 6312 | 6966 | 11123 | 11458 | 12467 | 15187 | 15901 | 12967 | 11554 | 14411 | 22567 | 28275 | 29404 |
| Expenses | 7053 | 9718 | 11541 | 14832 | 16805 | 19758 | 22578 | 29812 | 30699 | 33485 | 47052 | 48891 | 52326 |
| Financing Profit | -1379 | -3366 | -2263 | -3965 | -4141 | -5114 | -5005 | -9958 | -8512 | -5746 | -13382 | -11496 | -13004 |
| Financing Margin % | -12 | -25 | -11 | -18 | -16 | -17 | -15 | -30 | -25 | -14 | -24 | -18 | -19 |
| Other Income | 5282 | 8152 | 7631 | 11660 | 13682 | 16148 | 16892 | 23588 | 24941 | 25991 | 38037 | 41426 | 37905 |
| Depreciation | 208 | 237 | 345 | 362 | 383 | 458 | 465 | 461 | 480 | 599 | 792 | 941 | 0 |
| Profit before tax | 3695 | 4550 | 5024 | 7332 | 9158 | 10576 | 11422 | 13168 | 15948 | 19646 | 23863 | 28989 | 24901 |
| Tax % | 32 | 33 | 32 | 32 | 33 | 33 | 25 | 25 | 25 | 25 | 25 | 24 | - |
| Net Profit | 2527 | 3105 | 3524 | 5019 | 6258 | 7204 | 8593 | 9990 | 12089 | 14925 | 18213 | 22126 | 18798 |
| EPS in Rs | 3.2 | 3.94 | 3.77 | 5.37 | 6.51 | 7.55 | 8.98 | 10.08 | 12.18 | 15.03 | 18.32 | 22.26 | 18.9 |
| Dividend Payout % | 2 | 2 | 3 | 2 | 2 | 2 | 0 | 2 | 2 | 2 | 2 | 2 | - |