Growth Ratio Summary

Growth Score : 10.00

The growth ratios for IDBI Bank are strong, reflecting substantial increases in key performance metrics. High revenue growth rate indicates successful market penetration and increased business volume. Excellent operating profit growth rate suggests significant improvements in operational efficiency. Strong earnings per share growth demonstrates enhanced profitability for shareholders. The asset growth rate reflects the bank's increasing asset base, and the net income growth rate indicates improved overall financial performance. These growth trends signal a positive trajectory for the bank's future performance.

Financial Ratio Summary

Financial Score : 2.80

The financial ratios for IDBI Bank indicate potential areas of concern. The adjusted earnings per share and cash earnings per share are low, suggesting limited profitability per share. The book value per share is also low, reflecting a modest net asset value per share. The dividend per share is at a weak level. Capital expenditures are at a poor level. Improving these financial metrics is crucial for enhancing overall financial health and investor confidence.

Profitability Ratio Summary

Profitability Score : 9.20

IDBI Bank's profitability ratios are generally strong, indicating effective management and operational performance. Excellent gross profit margin reflects efficient cost management relative to revenue. The return on capital employed and return on equity are strong, demonstrating the bank's ability to generate profits from its capital and equity investments. The return on assets is at a poor level. The operating and net margins are excellent, indicating efficient operations and strong overall profitability. However, attention should be paid to ROA.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios for IDBI Bank present a mixed picture. The fixed asset turnover ratio is low, indicating inefficient utilization of fixed assets. Inventory and receivables turnover ratios are not applicable, suggesting the bank doesn't hold inventory or extend credit significantly. The days sales in inventory and receivable days are not applicable. The capital turnover ratio is low, reflecting inefficient use of capital. Enhancing asset utilization and capital efficiency is essential for improving overall operational performance.

Coverage Ratio Summary

Coverage Score : 6.80

The coverage ratios for IDBI Bank are reasonable, suggesting a moderate ability to meet its interest and dividend commitments. The interest coverage ratio indicates the bank's capacity to cover its interest expenses with its earnings. The equity dividend coverage ratio reflects the bank's ability to cover its dividend payments with its equity. Enhancing these ratios is important for ensuring financial stability and investor confidence.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency position of IDBI Bank indicates potential concerns regarding its long-term financial stability. High debt ratios suggest a significant reliance on debt financing, which may increase financial risk. The equity ratio, reflecting the proportion of assets financed by equity, is low, indicating a weaker equity base. The debt-to-asset ratio reflects the proportion of assets financed by debt. It's crucial for the bank to manage its debt levels to ensure sustainable financial health.

Liquidity Ratio Summary

Liquidity Score : 8.78

The liquidity position of IDBI Bank is strong, indicating a solid ability to meet its short-term obligations. High current and quick ratios suggest the bank has ample liquid assets. The cash ratio, while good, shows potential for improvement in immediate cash availability. The operating cash flow ratio reflects an acceptable ability to cover current liabilities with operating cash flow. This strong liquidity provides a buffer against unforeseen financial demands, but it's important to balance liquidity with efficient asset utilization.