KOTAKBANK Q1 FY27 Share Price & Earnings Call Analysis

Financials of KOTAKBANK

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

Financials of KOTAKBANK

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +11,98212,86913,71714,49515,15615,83716,42716,63316,77217,24817,19917,50717,827
Interest4,2304,8345,5365,9856,2126,8057,1397,1707,1577,5277,3337,3847,376
Expenses +10,54810,30310,13612,48414,92012,26313,09410,59613,66613,12311,60613,93313,656
Financing Profit-2,796-2,269-1,955-3,975-5,976-3,231-3,806-1,133-4,051-3,402-1,740-3,811-3,205
Financing Margin %-23%-18%-14%-27%-39%-20%-23%-7%-24%-20%-10%-22%-18%
Other Income +8,7857,8557,8439,58812,75113,04210,4537,31310,4029,4567,70310,34410,648
Depreciation0000000000000
Profit before tax5,9895,5865,8885,6146,7759,8116,6476,1806,3516,0535,9636,5337,443
Tax %24%26%25%25%23%25%25%25%23%27%25%25%27%
Net Profit +4,5664,1504,4614,2655,3377,4485,0444,7014,9334,4724,4684,9245,423
EPS in Rs4.604.184.494.295.377.495.074.734.964.504.494.955.45
Gross NPA %1.76%1.75%1.69%1.68%1.38%1.39%1.48%1.51%1.45%
Net NPA %0.41%0.43%0.39%0.36%0.36%0.38%0.45%0.44%0.36%

Financials of KOTAKBANK

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +13,31920,40222,32425,13129,83133,47432,82033,74142,15156,23765,66969,781
Interest6,96611,12311,45812,46715,18715,90112,96711,55414,41122,56728,27529,620
Expenses +9,71811,54114,83216,80519,75822,57829,81230,69933,48547,05248,89152,319
Financing Profit-3,366-2,263-3,965-4,141-5,114-5,005-9,958-8,512-5,746-13,382-11,496-12,158
Financing Margin %-25%-11%-18%-16%-17%-15%-30%-25%-14%-24%-18%-17%
Other Income +8,1527,63111,66013,68216,14816,89223,58824,94125,99138,03741,42638,150
Depreciation2373453623834584654614805997929410
Profit before tax4,5505,0247,3329,15810,57611,42213,16815,94819,64623,86328,98925,993
Tax %33%32%32%33%33%25%25%25%25%25%24%26%
Net Profit +3,1053,5245,0196,2587,2048,5939,99012,08914,92518,21322,12619,288
EPS in Rs3.943.775.376.517.558.9810.0812.1815.0318.3222.2619.39
Dividend Payout %2%3%2%2%2%0%2%2%2%2%2%3%

Financials of KOTAKBANK

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital386917920953954957991992993994994995
Reserves21,77032,44737,57249,53556,82765,68083,34895,673110,821128,978156,495180,118
Deposits72,843135,949155,540191,236224,824260,400278,871310,087361,273445,269494,707566,940
Borrowing31,41543,73049,69058,60466,93966,07748,23955,66057,53475,10697,62295,394
Other Liabilities +22,04927,76132,46537,39245,62650,05967,40584,08689,809117,321129,955159,906
Total Liabilities148,464240,804276,188337,720395,171443,173478,854546,498620,430767,667879,7741,003,353
Fixed Assets +1,3851,7611,7592,5432,6972,6752,5542,7233,0753,5103,7592,853
CWIP000000000000
Investments45,58970,27468,46290,977103,487111,197156,946164,529195,338246,446284,255290,633
Other Assets +101,490168,769205,967244,201288,987329,301319,355379,245422,017517,711591,761709,867
Total Assets148,464240,804276,188337,720395,171443,173478,854546,498620,430767,667879,7741,003,353

Financials of KOTAKBANK

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 +2,3025,02513,222-10,3921,82246,6194,8818,308-1,24215,68516,91641,727
Cash from Investing Activity +-4,467-2,353-5,289-5,475-3,323-13,068-11,172-10,903-10,381-8,919-25,226-16,519
Cash from Financing Activity +2,4262,0246,05514,6798,365-735-10,0727,5431,88315,51522,165-2,538
Net Cash Flow2604,69613,989-1,1886,86432,815-16,3634,949-9,74022,28113,85522,669
Free Cash Flow2,0344,71412,840-10,7581,33146,2064,5817,675-2,20314,59315,76840,691
CFO/OP103%76%205%-89%52%454%270%396%41%236%139%276%

Financials of KOTAKBANK

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %15%12%14%14%13%14%13%13%14%15%15%11%

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What KOTAKBANK's management said in earlier quarters

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