Share price
₹79.69 latest close · −4.9% over the last 90 sessions
₹79.69 month-end · −20.6% over 12 months
₹79.69 month-end · +27.5% over 3 years
₹79.69 month-end · +43.8% since Jan '19
52-week range ₹61.01 to ₹118.38 · 1-year volatility 48.5%
Was the rally earned?
Earnings helped, the multiple did not.
- Per-share earnings added 15 points, but investors now pay less per rupee of profit (P/E 13.6x to 9.2x), which took 35 points back.
- The share count barely moved.
Mostly yes, with a catch.
- Per-share earnings added 104 points, but investors now pay less per rupee of profit (P/E 18.1x to 9.2x), which took 77 points back.
- The share count barely moved.
Mostly yes, with a catch.
- Per-share earnings added 244 points, but investors now pay less per rupee of profit (P/E 32.2x to 9.2x), which took 168 points back.
- The share count barely moved.
What do "pts" mean?
"pts" are percentage points of the share price return. The parts add up to the total shown for each period. Because price = P/E × net profit ÷ share count, higher profit pushes the price up, a higher P/E pushes it up, and more shares push it down.
Example: if the price rose 34% and profit growth accounts for +58 pts while a lower P/E accounts for -24 pts, then 58 - 24 = 34. The +58 is not the profit growth rate itself: it is the part of the price move that profit growth explains.
Net profit is trailing twelve months as reported with a 60-day lag.
How rough has the ride been?
Drawdown from peak
Largest drawdowns
-72.5% (2019-01 peak to 2020-03 low, recovered 2023-08)
-47.0% (2026-02 peak to 2026-03 low, not yet recovered)
-36.4% (2024-07 peak to 2025-01 low, recovered 2025-07)
Most recent volume spikes
2026-10-15: 10x the 50-day median, price -7.7% that day
2026-10-14: 21.9x the 50-day median, price +9.0% that day
2026-09-15: 7.5x the 50-day median, price -0.6% that day
Beta is the slope of daily returns against a market-cap-weighted index of the sector's other listed companies, built from today's constituents (so it excludes companies no longer listed).
Is it expensive against its own past and its peers?
Usual range 0.6x to 1.8x since 2019-01.
18% below the Finance median.
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How to read this
Shaded band: 10th to 90th percentile of the company's own P/B history; dotted line: its median; orange line: sector median (companies with a positive multiple, at least 5 in the sector).
Sector figures are built from today's listed companies, so they exclude companies that are no longer listed.
Where does it rank among Finance peers?
Each cell is the company's percentile rank among its Finance peers (banks and financial companies) that month.
Darker is better-ranked.
Rows marked ↓ are inverted (lower debt, shorter cash cycle and a lower P/E rank higher).
Where it ranks today
- ROE (approx.)74th▲ 7 pts vs a year ago
- EPS growth57th▼ 22 pts vs a year ago
- P/B ↓55th▲ 3 pts vs a year ago
- 12M momentum30th▼ 43 pts vs a year ago
- FII + DII6thflat vs a year ago
Rank history
Percentiles use today's listed companies in the sector and need at least 5 peers with a value; grey cells have too few.
ROE is computed from net profit and book value where the source does not report it.
The Finance sector page Watch it move against Finance in the Observatory
What is the price implying?
At a P/E of 14.8x, the price would imply about 9.8%/yr earnings growth for 10 years under the same assumptions, but it is not ranked.
Fewer than six years of annual earnings are available, which is too little to measure delivered growth.
“Implied growth” is what the current price would require under our stated assumptions, not what we expect.
What prices imply across Finance The market-wide Expectations lists
Key figures
- Share Priceclose 9 Nov
- ₹79.69
- P/E
- 9.2x
- Market Cap
- ₹85707 cr
- Revenue (TTM)
- ₹29542 cr
- P/S
- 2.9x
- P/B
- 1.3x
- ROE
- 14.0%
- Debt / Equity
- 0.4x
- Promoter Holding
- 94.7%
- 12M Momentum
- -20.6%
52-week range
Price risk
Balance sheet & cash
Are profits backed by cash?
Tax rate25%Within range
Median quarterly effective tax rate over about 2.5 years: 25.0%. Bands: 15% to 35%, 5% to 15% or 35% to 50%, outside 5% to 50%.
Tap a check to see how it is measured
Cash conversion and receivable days are not meaningful for banks and NBFCs, so only the other-income and tax-rate checks are shown.
How to read this
Each check is a named rule with fixed thresholds, not a score. Annual statements are the latest restated figures, so a past year may differ from what was originally reported.
Who has been buying and selling?
- Over 3 years, institutional and promoter holdings were broadly unchanged.
- The number of shareholders rose from 6.1 lakh to 7.2 lakh (+18%) between Sep 2023 and Jun 2026.
Holdings, Jun '26
How each group changed
Number of shareholders
Quarterly shareholding as reported, labelled by the quarter it covers (it becomes visible about two months later).
Shareholder counts are only available for recent quarters.
What happened next to similar setups
- We found 50 past situations where a bank, NBFC or insurer looked like IDBI BANK LIMITED today on valuation, return on capital, growth, price momentum, size and volatility.
- Over the following 12 months the middle half of them returned −20% to +27% vs the market, against −3% for all financial companies in the same months.
- The analogs' median sat above that base rate (gap +6.2%, 80% range +0.7% to +12.0%), but the matches cluster in only 6 distinct 12-month windows.
Where the 50 outcomes landed
Each dot is one past situation (hover or tap for details) · Solid dots are the closest matches, listed below · Shaded is the middle half of all companies in the same months · 2 beyond the range shown, drawn at the edge
50 past situations · 50 companies · 35 months · 2020–2025
The closest matches
| Company | When | P/E | P/B | 12M mom. | Drawdown | Next 12 months |
|---|---|---|---|---|---|---|
| SHRIRAMFIN Finance |
Sep 2020 | 6x | 1.0x | −41% | −53% | +28% |
| LTF Finance |
Jan 2021 | 13x | 1.4x | −21% | −30% | −36% |
| RECLTD Finance |
Apr 2025 | 7x | 1.6x | −17% | −35% | −21% |
| PNBHOUSING Finance |
Aug 2025 | 10x | 1.2x | −23% | −34% | +42% |
| IIFL Finance |
Nov 2024 | 11x | 1.8x | −29% | −35% | +33% |
Show the other 3 matches
| Company | When | P/E | P/B | 12M mom. | Drawdown | Next 12 months |
|---|---|---|---|---|---|---|
| INDUSINDBK Finance |
Apr 2025 | 9x | 1.0x | −45% | −45% | +2% |
| LICHSGFIN Finance |
Jun 2020 | 5x | 0.7x | −53% | −54% | +10% |
| PFC Finance |
May 2025 | 6x | 1.4x | −18% | −29% | +3% |
How reliable is this?
Matched on P/E, P/B, ROE, revenue growth, 12-month momentum, drawdown from 12-month high, size and volatility. Closest on: 12-month momentum, P/B and drawdown from 12-month high. One match per company and at most 7 from any one month.
Independent periods: the matches fall in 6 distinct 12-month windows. Matches from nearby months share the same market conditions, so fewer windows means less evidence.
What else looks like this?
Companies with the most similar financial profile today, regardless of industry.
Similarity is statistical, based on reported metrics; it does not imply similar business quality or future returns.
What changed?
30 events since May '23
- OctPriceVolume reached 21.9x its 50-day median on 2026-10-14; price +9.0% that day.
- SepResultsRevenue (TTM) reached a new high of ₹29,542 cr.
- SepPriceVolume reached 10.3x its 50-day median on 2026-09-08; price -10.6% that day.
- JunPeer rankSlipped to the 2nd quartile of Finance on EPS growth (from the top quartile).
- JunDividendDividend payout cut from 30% to 0% of profit.
- JunPriceVolume reached 30.1x its 50-day median on 2026-06-17; price +17.1% that day.
- MarPriceFell 47% from the Feb 2026 peak to the Mar 2026 low.
- FebValuationP/B crossed above the 90th percentile of its own history to date (2.0x).
Show 22 earlier events
- JanPriceVolume reached 14.7x its 50-day median on 2026-01-02; price +10.6% that day.
- OctPriceVolume reached 17.9x its 50-day median on 2025-10-28; price +6.7% that day.
- SepResultsRevenue (TTM) reached a new high of ₹29,274 cr.
- AugPriceVolume reached 7.4x its 50-day median on 2025-08-21; price +8.2% that day.
- JulPriceRegained the 2024-07 peak, 6 months after the low.
- JunPeer rankMoved into the 2nd quartile of Finance on ROE (from the 3rd quartile).
- JunPriceVolume reached 5.3x its 50-day median on 2025-06-27; price +6.2% that day.
- MayValuationP/B crossed above the 90th percentile of its own history to date (2.0x).
- JanPriceFell 36% from the Jul 2024 peak to the Jan 2025 low.
- JanPriceVolume reached 9.8x its 50-day median on 2025-01-16; price +7.9% that day.
- DecResultsRevenue (TTM) reached a new high of ₹27,659 cr.
- JulPriceVolume reached 24.7x its 50-day median on 2024-07-25; price +4.1% that day.
- JunResultsRevenue (TTM) reached a new high of ₹26,446 cr.
- JunPeer rankMoved into the 3rd quartile of Finance on ROE (from the bottom quartile).
- JanPriceVolume reached 18.0x its 50-day median on 2024-01-20; price +13.6% that day.
- DecPriceVolume reached 5.2x its 50-day median on 2023-12-18; price +4.8% that day.
- AugPriceRegained the 2019-01 peak, 41 months after the low.
- AugValuationP/B crossed above the 90th percentile of its own history to date (1.4x).
- AugPriceVolume reached 13.1x its 50-day median on 2023-08-01; price +8.6% that day.
- JunPeer rankSlipped to the bottom quartile of Finance on ROE (from the 3rd quartile).
- JunDividendStarted paying a dividend (payout 29% of profit).
- MayPriceVolume reached 5.8x its 50-day median on 2023-05-17; price +6.3% that day.
Events are generated from the data by fixed rules.
The month shown is when the change became visible in the reported figures, assuming a 60-day lag after each quarter end; it is not an announcement date.
Where price and fundamentals disagree, market-wide Rewind the whole market to any month
Monthly history95 months · 2019-01 to 2026-11
| Month | P/E | Revenue (TTM) | ROE | Debt / Equity |
|---|---|---|---|---|
| 2026-11 | 9.2x | ₹29542 cr | 14.0% | 0.4x |
| 2026-10 | 9.3x | ₹29542 cr | 14.0% | 0.4x |
| 2026-09 | 9.5x | ₹29542 cr | 14.0% | 0.4x |
| 2026-08 | 10.6x | ₹29020 cr | 14.0% | 0.4x |
| 2026-07 | 9.8x | ₹29020 cr | 14.0% | 0.4x |
| 2026-06 | 9.7x | ₹29020 cr | 14.0% | 0.4x |
| 2026-05 | 8.5x | ₹28199 cr | 14.0% | 0.3x |
| 2026-04 | 8.8x | ₹28199 cr | 14.0% | 0.3x |
| 2026-03 | 7.1x | ₹28199 cr | 14.0% | 0.3x |
| 2026-02 | 13.4x | ₹28938 cr | 14.0% | 0.3x |
| 2026-01 | 11.5x | ₹28938 cr | 14.0% | 0.3x |
| 2025-12 | 11.9x | ₹28938 cr | 14.0% | 0.3x |
| 2025-11 | 13.6x | ₹29274 cr | 14.0% | 0.3x |
| 2025-10 | 14.1x | ₹29274 cr | 14.0% | 0.3x |
| 2025-09 | 12.4x | ₹29274 cr | 14.0% | 0.3x |
| 2025-08 | 12.1x | ₹28917 cr | 14.0% | 0.3x |
| 2025-07 | 13.1x | ₹28917 cr | 14.0% | 0.3x |
| 2025-06 | 14.6x | ₹28917 cr | 14.0% | 0.3x |
| 2025-05 | 14.4x | ₹28929 cr | 12.0% | 0.3x |
| 2025-04 | 11.9x | ₹28929 cr | 12.0% | 0.3x |
| 2025-03 | 11.6x | ₹28929 cr | 12.0% | 0.3x |
| 2025-02 | 11.0x | ₹27659 cr | 12.0% | 0.3x |
| 2025-01 | 12.9x | ₹27659 cr | 12.0% | 0.3x |
| 2024-12 | 12.2x | ₹27659 cr | 12.0% | 0.3x |
| 2024-11 | 14.0x | ₹26252 cr | 12.0% | 0.3x |
| 2024-10 | 14.3x | ₹26252 cr | 12.0% | 0.3x |
| 2024-09 | 14.9x | ₹26252 cr | 12.0% | 0.3x |
| 2024-08 | 17.6x | ₹26446 cr | 12.0% | 0.3x |
| 2024-07 | 19.3x | ₹26446 cr | 12.0% | 0.3x |
| 2024-06 | 15.6x | ₹26446 cr | 12.0% | 0.3x |
| 2024-05 | 24.8x | ₹20592 cr | 8.0% | 0.3x |
| 2024-04 | 26.2x | ₹20592 cr | 8.0% | 0.3x |
| 2024-03 | 23.5x | ₹20592 cr | 8.0% | 0.3x |
| 2024-02 | 25.1x | ₹20592 cr | 8.0% | 0.3x |
| 2024-01 | 25.1x | ₹20592 cr | 8.0% | 0.3x |
| 2023-12 | 19.5x | ₹20592 cr | 8.0% | 0.3x |
| 2023-11 | 18.1x | ₹20592 cr | 8.0% | 0.3x |
| 2023-10 | 17.9x | ₹20592 cr | 8.0% | 0.3x |
| 2023-09 | 20.5x | ₹20592 cr | 8.0% | 0.3x |
| 2023-08 | 17.3x | ₹20592 cr | 8.0% | 0.3x |
| 2023-07 | 16.8x | ₹20592 cr | 8.0% | 0.3x |
| 2023-06 | 16.0x | ₹20592 cr | 8.0% | 0.3x |
| 2023-05 | 23.3x | ₹18316 cr | 6.0% | 0.3x |
| 2023-04 | 23.2x | ₹18316 cr | 6.0% | 0.3x |
| 2023-03 | 19.1x | ₹18316 cr | 6.0% | 0.3x |
| 2023-02 | 20.5x | ₹18316 cr | 6.0% | 0.3x |
| 2023-01 | 22.1x | ₹18316 cr | 6.0% | 0.3x |
| 2022-12 | 23.0x | ₹18316 cr | 6.0% | 0.3x |
| 2022-11 | 22.6x | ₹18316 cr | 6.0% | 0.3x |
| 2022-10 | 18.6x | ₹18316 cr | 6.0% | 0.3x |
| 2022-09 | 17.5x | ₹18316 cr | 6.0% | 0.3x |
| 2022-08 | 18.6x | ₹18316 cr | 6.0% | 0.3x |
| 2022-07 | 15.0x | ₹18316 cr | 6.0% | 0.3x |
| 2022-06 | 13.1x | ₹18316 cr | 6.0% | 0.3x |
| 2022-05 | 26.0x | ₹19956 cr | 4.0% | 0.4x |
| 2022-04 | 32.1x | ₹19956 cr | 4.0% | 0.4x |
| 2022-03 | 30.4x | ₹19956 cr | 4.0% | 0.4x |
| 2022-02 | 31.2x | ₹19956 cr | 4.0% | 0.4x |
| 2022-01 | 34.2x | ₹19956 cr | 4.0% | 0.4x |
| 2021-12 | 32.9x | ₹19956 cr | 4.0% | 0.4x |
| 2021-11 | 32.2x | ₹19956 cr | 4.0% | 0.4x |
| 2021-10 | 36.2x | ₹19956 cr | 4.0% | 0.4x |
| 2021-09 | 32.8x | ₹19956 cr | 4.0% | 0.4x |
| 2021-08 | 27.3x | ₹19956 cr | 4.0% | 0.4x |
| 2021-07 | 26.9x | ₹19956 cr | 4.0% | 0.4x |
| 2021-06 | 26.9x | ₹19956 cr | 4.0% | 0.4x |
| 2021-05 | — | ₹20854 cr | -35.0% | 1.1x |
| 2021-04 | — | ₹20854 cr | -35.0% | 1.1x |
| 2021-03 | — | ₹20854 cr | -35.0% | 1.1x |
| 2021-02 | — | ₹20854 cr | -35.0% | 1.1x |
| 2021-01 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-12 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-11 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-10 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-09 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-08 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-07 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-06 | — | ₹20854 cr | -35.0% | 1.1x |
| 2020-05 | — | ₹22102 cr | -50.0% | 1.2x |
| 2020-04 | — | ₹22102 cr | -50.0% | 1.2x |
| 2020-03 | — | ₹22102 cr | -50.0% | 1.2x |
| 2020-02 | — | ₹22102 cr | -50.0% | 1.2x |
| 2020-01 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-12 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-11 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-10 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-09 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-08 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-07 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-06 | — | ₹22102 cr | -50.0% | 1.2x |
| 2019-05 | — | ₹23046 cr | -38.0% | 2.9x |
| 2019-04 | — | ₹23046 cr | -38.0% | 2.9x |
| 2019-03 | — | ₹23046 cr | -38.0% | 2.9x |
| 2019-02 | — | ₹23046 cr | -38.0% | 2.9x |
| 2019-01 | — | ₹23046 cr | -38.0% | 2.9x |