Arthneeti

IDBI Bank Q2 FY27 Share Price & Earnings Call Analysis

Part of: Nifty Smallcap 250 · NIFTY Smallcap 100 · Nifty MidSmallcap 400 · Nifty 500 · Nifty Total Market

₹80.00-0.81% today
Market cap
₹86,095 Cr
P/E
10.37
ROE
14.14%
PEG
0.29
Price to sales
2.78
Debt to equity
5.35
52W high / low
₹116 / ₹61.5
Sales growth (5Y)
7.78%
EBITDA margin
70.12%
Net profit margin
31.81%
Promoter holding
94.72%
Sales (last year)
₹30,953 Cr

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Guidance scorecard · Q2 FY27 call

What IDBI Bank's management guided
and where it ranks in Banks

Revenue10–20%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ2 FY23 call

10–20%
  • Private sector investment, which was low in the last 3 years, is now picking up with fresh Capex and both brownfield and greenfield projects underway, expected to boost credit demand.
  • Credit growth is anticipated to be robust over the next 2 years due to pent-up demand in retail loans (e.g., housing, consumer finance) and increased utilization of working capital by corporates amid inflation and rising commodity prices.
  • Corporate credit growth is normalizing post-PCA exit, with a targeted 10-15% growth in advances in coming quarters.
  • The bank aims for balanced, quality growth rather than aggressive lending to maintain asset quality.

2 more points from IDBI Bank's call on revenue

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Full Q2 FY23 analysis

MarginsQ2 FY23 call

Flat

See what IDBI Bank said on margins — free account, 30 seconds.

Full Q2 FY23 analysis

CapexQ2 FY23 call

Planned
  • The management mentioned a revival in the private sector investment cycle after a low period of about 3 years.
  • Both brownfield and greenfield investment projects are beginning, indicating an active investment environment.
  • Fresh Capex is expected to increase, which should contribute to robust credit demand over the next 2 years.
  • The bank plans to maintain a calibrated growth strategy in corporate advances, aiming for 10-15% growth, supporting investment in the corporate sector.
Full Q2 FY23 analysis

FundraisingQ2 FY23 call

See what IDBI Bank said on fundraising — free account, 30 seconds.

Full Q2 FY23 analysis

Order bookQ2 FY23 call

  • It does highlight that credit demand is strong and growing in both retail and corporate segments.
  • Corporate credit utilization is increasing due to inflation, commodity prices, and higher capacity utilization.
  • Investment cycles in corporate sectors are picking up, with sanctions happening and drawdowns expected.
  • The bank is confident about 10-15% credit growth in coming quarters.
  • Bulk deposits have grown from about 7,000-7,500 Crores three years ago to around 10,000 Crores now, indicating scope for deposit growth.

2 more points from IDBI Bank's call on the order book

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Full Q2 FY23 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. Canara BankGood growth
    2
  2. Capital SmallGood growth
    1
  3. AU Small FinanceGood growth
    3
See all potential multibaggersWhere does IDBI Bank rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Capital Small20–40%Up 0–2%₹1,248 Cr7.7
2Canara Bank20–40%Flat₹1.12L Cr5.5
3AU Small Finance20–40%Flat₹69,983 Cr22.2
420–40%Flat₹58,580 Cr49.7
520–40%Flat₹30,070 Cr10.1
620–40%Flat₹13,111 Cr8.3

Sign up free to see every company in the sector ranking and track IDBI Bank.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

IDBI Bank announcements

All announcements →

Financials of IDBI Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

IDBI Bank

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%
FIIs +0.32%0.45%0.46%0.46%0.42%0.46%0.54%0.47%0.52%0.56%0.45%0.47%
DIIs +0.15%0.15%0.16%0.17%0.18%0.18%0.15%0.11%0.12%0.08%0.10%0.19%
Government +0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public +4.80%4.67%4.65%4.64%4.69%4.63%4.59%4.68%4.65%4.63%4.71%4.62%
No. of Shareholders6,36,6996,72,4346,82,0997,15,3617,23,5197,21,4236,92,5236,99,1026,87,8957,13,7767,18,5437,03,415

Financials of IDBI Bank

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +6,0386,5496,9956,6707,4457,8196,9837,0277,1097,0807,8047,5498,519
Interest2,9663,1023,2983,4283,5623,5833,6833,8513,8163,8623,9444,0534,282
Expenses +1,7012,4442,5651,5532,7812,3822,4152,0911,6512,0002,7571,7512,740
Financing Profit1,3721,0031,1321,6881,1021,8548851,0851,6421,2181,1021,7451,497
Financing Margin %23%15%16%25%15%24%13%15%23%17%14%23%18%
Other Income +1,0251,0319618571,3688102,1071,4722,1551,2711,7141,0841,417
Depreciation0000000000000
Profit before tax2,3972,0342,0932,5462,4702,6642,9912,5573,7972,4892,8162,8292,914
Tax %42%27%21%32%25%28%31%21%15%21%29%25%24%
Net Profit +1,3931,5151,6721,7391,8691,9542,0942,0243,2411,9592,0132,1312,226
EPS in Rs1.291.401.551.611.731.811.941.883.001.821.871.982.06
Gross NPA %
Net NPA %

Financials of IDBI Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +28,16428,05827,80523,04622,10220,85419,95618,31620,59226,44628,91729,02030,953
Interest22,38721,93122,01917,37616,16213,84111,4089,1229,13012,22614,25715,47416,141
Expenses +8,42414,33918,13020,69824,11820,14610,5159,97510,2329,23311,67510,3289,249
Financing Profit-2,647-8,212-12,344-15,028-18,178-13,133-1,967-7811,2294,9862,9853,2175,562
Financing Margin %-9%-29%-44%-65%-82%-63%-10%-4%6%19%10%11%18%
Other Income +4,1893,5184,2077,2483,5354,6314,8484,9594,6173,9755,2096,6375,486
Depreciation1412183623773703943974174995435386170
Profit before tax1,401-4,912-8,498-8,157-15,013-8,8962,4843,7605,3468,4187,6569,23711,049
Tax %32%-26%-40%0%0%44%42%32%30%31%0%0%
Net Profit +957-3,574-4,997-8,116-14,970-12,8191,5322,5573,7285,8147,6569,2378,329
EPS in Rs5.87-17.44-24.36-26.37-19.37-12.361.412.363.455.387.108.577.73
Dividend Payout %13%0%0%0%0%0%0%0%29%28%30%0%

Financials of IDBI Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital1,6042,0592,0593,0847,73610,38110,75210,75210,75210,75210,75210,75210,752
Reserves22,77126,00021,20418,82430,61024,45526,87631,81935,56740,32150,86857,81261,740
Deposits275,518265,087268,216247,777227,190222,214230,707232,850255,313277,366309,893346,776355,224
Borrowing45,83870,59256,36463,18645,28836,74915,90814,34512,63817,08319,93228,10432,640
Other Liabilities +10,31411,53714,64618,03910,2876,90114,41012,77317,22719,13821,56223,94222,513
Total Liabilities356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659413,008467,386482,869
Fixed Assets +3,0267,0416,8936,3507,8427,7197,4029,5879,3039,43512,1209,6859,675
CWIP5448154150246848847140047710880900
Investments97,34792,81093,07591,84893,32881,99681,47183,475100,409115,719118,453128,440122,777
Other Assets +255,617274,943261,980252,208219,474210,496209,309209,078221,309239,398282,355329,171350,417
Total Assets356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659413,008467,386482,869

Financials of IDBI Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,991-5678,000-12,514-34,21520810,2145,068-2,701-1,25225,79616,762
Cash from Investing Activity +-272-715-464720116-296-59-192-283-217-3381,441
Cash from Financing Activity +-612,9271,88912,84321,6229,279-5,342-4,383-3,569-1,768-6,990-5,765
Net Cash Flow-2,3231,6459,4241,049-12,4779,1914,813492-6,554-3,23718,46712,438
Free Cash Flow-2,262-1,2827,536-11,794-34,099-8710,1554,873-2,996-1,47425,45216,454

Financials of IDBI Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%-14%-20%-38%-50%-35%4%6%8%12%14%14%

Guidance history

How IDBI Bank's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY23 call →10–20%FlatPlanned——
Q4 FY22 call →10–20%FlatPlannedNone planned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

24out of 100

Momentum score · price trend

24 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,937 stocks
Last 12 months−18.6%31%
Last 6 months+13.7%65%
Last 3 months−3.0%52%

The price is 59.2% below its all-time high of ₹195.95 (5 Nov 2010). Stocks more than 20% below their peak have their score halved, so 48 became 24.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,937 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For IDBI Bank: 0.4 × 31 + 0.4 × 65 + 0.2 × 52 = 48, halved to 24 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 13 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What IDBI Bank's management said in earlier quarters

Earlier calls (7)

Others in Banks this season

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  • SBI (Q2 FY27)

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  • Bank of Baroda (Q2 FY27)

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  • Suryoday Small (Q2 FY27)

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