Indian Bank
NSE: INDIANBIndian Bank: A 30-second snapshot
Indian Bank trades at ₹833.3, up 34.98% over the past 12 months but down 1.82% over the last 3 months and 14.97% below its 52-week high. The bank posts an ROE of 16.17% and profit margin of 36.41% on a trailing PE of 8.78 — the lowest of 6 compared financial-sector names — alongside a mean analyst rating of 1.29 across 15 analysts (1-5 scale, lower = more constructive) and mostly neutral recent news flow (7 of 8 items neutral).
P/E
8.8
Forward P/E
7.6
ROE
+16.2%
Debt / Equity
—
Profit Margin
+36.4%
Div. Yield
+2.2%
5Y ROE > 15%
1/5
5Y FCF > 0
2/5
Quality
69/100
News
8 headlines · 1 positive · 0 negative
India's Private Lenders Bet on Corporate Loan Revival for Growth - Bloomberg.com
Bloomberg.com
Indian Bank eyes life insurance and AMC businesses - The Times of India
The Times of India
South Indian Bank posts 17% rise in net profit to ₹378 crore - BusinessLine
BusinessLine
South Indian Bank net profit up 17.4% on higher net interest income - The Hindu
The Hindu
South Indian Bank Q1 result: Profit rises 17% to ₹378 cr as provisions fall - Business Standard
Business Standard
Recent context
- ·"Indian Bank eyes life insurance and AMC businesses" (The Times of India, Jul 17) — tagged positive sentiment in the captured feed.
- ·"India's Private Lenders Bet on Corporate Loan Revival for Growth" (Bloomberg.com, Jul 20) — sector-wide headline tagged neutral.
- ·Several of the most recent items in the captured news sample cover South Indian Bank's Q1 results (profit up 17% to ₹378 crore, published Jul 16-17), a different company from Indian Bank, underscoring the mixed relevance of the current headline set.
Strengths
- +Trailing PE of 8.78 (forward PE 7.63) is the lowest of the 6-name comparison set, and its quality score of 71 ranks 1st of 6.
- +ROE of 16.17% and profit margin of 36.41% run above several compared peers, including HDFCBANK (ROE 13.84%) and AXISBANK (ROE 13.35%).
- +5-year earnings growth of 47.5% and revenue growth of 10.3%.
- +Mean analyst rating of 1.29 across 15 analysts (1-5 scale, lower = more constructive).
Weaknesses
- −ROE exceeded 15% in only 1 of the tracked historical years and FCF was positive in only 2 of those years, for a consistency score of 46/100.
- −Debt trend is classified as rising, though a numeric debt-to-equity figure is not available to quantify it.
- −3-month price change of -1.82% and price marginally below the 200-DMA (₹843.3), sitting 14.97% below the 52-week high despite the strong 12-month gain.
- −Company-specific news flow is thin — several of the 8 recent headlines reference South Indian Bank, a separate listed entity, rather than Indian Bank itself.
Open questions
- ?Does the rising debt trend reflect balance-sheet growth funding loan expansion or a broader shift in capital structure, and how does it look once an actual debt-to-equity figure is available?
- ?What explains the gap between current-year quality metrics (ROE 16.17%, quality score 71) and the lower 5-year consistency score (46/100) — cyclical recovery or a structural change in underwriting quality?
- ?How might a move into life insurance and AMC businesses affect capital allocation and the bank's overall return profile over the next few years?
- ?With price up 34.98% over 12 months but roughly flat over the last quarter and 14.97% below the 52-week high, what does that shape of the price path suggest about how sentiment has shifted through recent quarters?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| INDIANB | Indian BankYou're viewing | 8.8 | +16.2% | 71 |
| Industry avg | across 5 peers | 32.2 | +14.1% | 49 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 36.8 | +17.9% | 51 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 61.2 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.7 | +14.6% | 23 |
Technical state
Current price
₹833.30
SMA 50
₹829.46
SMA 200
₹843.30
RSI (14)
51.2 (neutral)
From 52w high
-15.0%
1Y return
+35.0%
3M return
-1.8%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE has exceeded 15% in only 1 of the tracked historical years and free cash flow was positive in only 2 of those years, giving a consistency score of 46/100, despite a current-year ROE of 16.17% and profit margin of 36.41%; the debt trend is separately classified as rising, though no numeric debt-to-equity figure is available to size that trend.
- mediumOf the 8 news items captured for the stock, several of the most recent headlines (South Indian Bank Q1 results, published Jul 16-17) reference South Indian Bank, a separate and unrelated listed company, rather than Indian Bank (INDIANB); the small sample size combined with this apparent name-similarity mismatch limits how much weight the 'neutral' overall sentiment label can carry for this specific stock.
- lowPrice (₹833.3) sits 14.97% below the 52-week high and is marginally below the 200-DMA (₹843.3) while still above the 50-DMA (₹829.46); the 3-month price change is -1.82% versus +34.98% over the trailing 12 months, indicating the annual gain has largely stalled in recent months.
- lowThe 6-name comparison set mixes banks (AXISBANK, HDFCBANK) with NBFCs and an insurer (BAJAJFINSV, BAJFINANCE, HDFCLIFE), and 1-year price-change data is missing for all 5 peers, so the stock's 1st-of-6 ranking on PE and quality score reflects a loosely-matched group rather than a pure banking peer set.
Cross-section contradictions
- INDIANB ranks 1st of 6 peers on both PE (8.78, lowest) and quality score (71, highest), yet its own multi-year fundamental persistence is limited — ROE exceeded 15% in only 1 tracked year and FCF was positive in only 2, for a consistency score of 46/100 — so the stock screens as the cheapest and highest current-quality name in the set while its historical earnings durability lags that ranking.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days