IDBI Bank Ltd (Banks - PSU) — fundamental analysis, earnings data, and key metrics. PE: 7.4. ROE: 13.6%. This stock is not currently in the Nifty 500 momentum outperformers list.
Based on Q3 FY26 earnings • Updated Feb 22, 2026
What: CASA ratio improved 230bps YoY to 38.5%, supporting stable NIMs at 4.5% despite rate cuts
Impact: +₹150 Cr revenue
“NIM for the quarter remained at 4.5%, which is the same as last quarter, despite the 50% reported cut in the quarter of June”
What: Credit costs reduced to 63bps (down 16bps QoQ), with potential for further 10-15bps reduction
Impact: +₹350 Cr revenue
“Credit cost for Q3 reduced to 63 bps down 16 bps QoQ from 79 bps”
What: Cost-to-income improved to 45.4% despite 15% loan growth, with potential for further 200-300bps improvement
Impact: +₹250 Cr revenue
“These efforts have allowed us to grow the balance sheet without corresponding headcount growth”
Earnings deceleration risks from management commentary
Trigger: If segment slippages rise above 1.5%
Impact: -8 bps margin impact
Management view: While difficulties in unsecured retail business showing improvement we remain cautious on retail commercial vehicle segment
Monitor: Commercial vehicle segment slippages
Trigger: If CASA growth stalls below 38%
Impact: -5 bps margin impact
Management view: Not explicitly mentioned
Monitor: CASA ratio
Key quotes from recent conference calls
“NIM for the quarter remained at 4.5%, which is the same as last quarter, despite the 50% reported cut in the quarter of June — Devan, CFO”
“Credit cost for Q3 reduced to 63 bps down 16 bps QoQ from 79 bps in Q1 Q2 as you recall Q1 credit cost was at 91. While difficulties in unsecured retail business showing improvement we remain cautious on retail commercial vehicle segment — Devan, CFO”
“The bank's balance sheet grew 15% on a YoY basis. The net advance is growing at 16% YOY — Devan, CFO”
“Capital adequacy is very healthy at 22.6%, of which CET1 itself is 21.5% — Devan, CFO”
Forward-looking targets from management for FY26
Implied PAT Growth
10%
Credit Growth Target
15%
NIM Guidance
4.5%
Key Milestones
• Maintain NIM at 4.5%+
• Reduce credit costs to 60bps
• Grow loans at 15%+
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
IDBI Bank Ltd's latest quarterly results (Dec 2025) show
IDBI Bank Ltd's current PE ratio is 7.4x.
IDBI Bank Ltd's price-to-book ratio is 1.0x.
IDBI Bank Ltd's fundamental strength based on key financial ratios
IDBI Bank Ltd has a debt-to-equity ratio of N/A.
IDBI Bank Ltd's return ratios over recent years
IDBI Bank Ltd's operating cash flow is positive (FY2025).
IDBI Bank Ltd's current dividend yield is 3.28%.
IDBI Bank Ltd's shareholding pattern (Dec 2025)
IDBI Bank Ltd's promoter holding has remained stable recently.
IDBI Bank Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
IDBI Bank Ltd has 3 key growth catalysts identified from recent earnings analysis
IDBI Bank Ltd has 2 key risks worth monitoring
In Q3 FY26, IDBI Bank Ltd's management highlighted
IDBI Bank Ltd's management has provided the following forward guidance for FY26
Based on quantitative research signals, here is why IDBI Bank Ltd may be worth studying
IDBI Bank Ltd investment thesis summary:
IDBI Bank Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
