Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited

430.50
INR
-6.50
(-1.49%)
3.52TMarket Cap
Oct 24Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
13.73
18.37
17.83
23.73
26.73
31.24
34.9
43.28
46.36
52.23
70.11
76.44
76.22
- -
Basic EPS, GAAP
3.22
3.95
3.78
5.38
6.54
7.52
8.95
10.11
12.15
14.99
18.29
22.26
19.4
- -
Free Cash Flow per Basic Share
11.26
2.61
5.14
13.95
-11.41
1.36
48.34
4.58
7.7
-2.25
14.65
15.8
40.9
- -
Dividend per Share
0.08
0.09
0.11
0.12
0.15
0.2
0.24
0.04
0.22
0.26
0.34
0.4
0.5
- -
Book Value per Share
24.78
28.69
36.38
41.82
52.99
60.54
69.67
85.11
97.41
112.57
130.76
158.42
182.2
- -
Tangible Book Value per Share
24.77
28.68
36.37
41.82
52.16
59.69
68.82
84.29
96.59
111.75
129.81
157.47
181.25
- -
Basic Weighted Avg Shares
7,658
7,711
9,146
9,186
9,480
9,534
9,551
9,845
9,915
9,928
9,937
9,940
9,943
9,947
Sales/Revenue/Turnover
105,154
141,682
163,038
217,970
253,367
297,846
333,357
426,143
459,724
518,573
696,696
759,845
757,885
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,079
2,369
3,445
3,622
3,834
4,584
4,649
4,611
4,804
5,993
7,918
9,409
10,319
- -
Net Income, GAAP
24,650
30,455
34,588
49,404
62,010
72,041
85,934
99,902
120,894
149,250
182,132
221,260
192,879
- -
Effective Tax Rate (%)
31.9
32.35
31.13
32.19
32.88
48.54
32.7
32.97
33.66
24.77
24.67
24.3
26.21
- -
Profit Margin (%)
23.44
21.5
21.21
22.67
24.47
24.19
25.78
23.44
26.3
28.78
26.14
29.12
25.45
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
248,538
296,514
421,628
491,899
572,290
648,099
651,897
477,389
551,599
523,339
751,056
867,510
953,935
- -
Total Equity
193,554
224,920
337,597
389,671
504,882
582,818
671,370
848,386
971,653
1,123,144
1,299,717
1,574,893
1,812,259
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.5
6.2
5.3
5.93
6.27
6.24
6.73
7.54
8.49
9.42
9.85
9.85
7.41
- -
Return on Common Equity (%)
14.35
14.77
12.46
13.75
13.94
13.25
13.74
13.18
13.31
14.28
15.03
15.39
11.39
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9,945
9,946
9,947
Market Capitalization
4,378,205
3,515,081
3,901,597

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
1,034,828
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.41%
16.42%
15.07%
Free Cash Flow
259.83%
-129.23%
158.99%
Net Income, GAAP
19.52%
15.03%
-12.83%
Sales/Revenue/Turnover
17.11%
12.77%
-0.26%
Total Cash Common Dividend
- -
- -
25.02%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
182,706
197,504
167,761
200,737
759,845
2026
191,768
- -
204,590
207,553
757,885
2027
223,661
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
7.49
5.07
4.73
4.96
22.26
2026
4.5
- -
4.95
5.45
19.4
2027
5.51
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.4
2026
- -
- -
- -
- -
0.5
2027
- -
- -
- -
- -
- -

Company Description

CEO
Ashok Valiram Vaswani
Full Time Employees
112,000
Sector
Finance
Industry
Major banks
Address
Bandra Kurla Complex Mumbai MA India 400051
IPO Date
Jul 2, 2001
Website
kotak.com
Business
Kotak Mahindra Bank Limited delivers an extensive array of banking and financial solutions to a diverse client base across India and select international locations. Its operational structure is thoughtfully designed across key divisions to address varied financial requirements. The Treasury and Corporate Centre division is actively involved in capital markets, managing foreign exchange, derivatives, and strategic investments. It also serves as a primary dealer for government securities and oversees crucial balance sheet management functions. Within Retail Banking, the focus is on catering to individual customers, small businesses, and non-resident Indians. This segment provides a comprehensive suite of offerings including various deposit accounts such as savings, current, and term deposits, alongside a wide range of credit products like personal, home, and vehicle loans, as well as specialized agriculture and SME financing. Digital banking initiatives, notably the Kotak 811 platform, and a variety of credit and debit cards further enhance customer engagement. The Corporate and Wholesale Banking segment offers sophisticated lending and borrowing solutions, strategic advisory services, and transaction management to large corporations, conglomerates, public sector undertakings, and financial institutions. Commercial Banking plays a significant role in broader financial inclusion, extending loans for commercial vehicles, construction equipment, and tractors, primarily serving small and medium enterprises across various regions. Vehicle Financing specifically addresses the needs of auto dealers through wholesale trade finance and provides retail vehicle loans directly to consumers. Other Lending Activities encompass specialized financing solutions against securities, securitization, and microfinance through strategic acquisitions like Sonata Finance. Through its subsidiaries, the institution also provides a robust suite of related financial services. The Broking segment, primarily via Kotak Securities, offers brokerage income from market transactions and distributes various financial products. Advisory and Transactional Services, under Kotak Investment Banking, provide expertise in mergers and acquisitions, and manage equity and debt issuances. The Asset Management division is responsible for managing funds and investments on behalf of a broad client base through Kotak Mutual Fund. Furthermore, the Insurance segment, including Kotak Life Insurance and Kotak General Insurance (with Zurich Insurance Group holding a significant stake), offers a wide range of life and general insurance products. Kotak Mahindra Bank operates with an expansive network that, as of December 2023, included 1,869 branches and 3,239 ATMs across India, with an ongoing strategy to further expand its physical footprint. The bank also maintains an international presence with branches in GIFT City and DIFC, Dubai, along with international offices in major global financial centers such as London, New York, and Singapore. Established in 1985, Kotak Mahindra Bank Limited is headquartered in Mumbai, India. In a recent strategic move to enhance market participation and share affordability, the board approved a 1:5 stock split in November 2025.