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Kotak Mahindra Bank Ltd logo

Kotak Mahindra Bank Ltd

NSE: KOTAKBANK BSE: 500247

408

(-1.07)%

Sat, 31 Jan 2026, 01:04 pm

Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Kotak Mahindra Bank has not reported any payouts.
    • No need to calculate the sustainability of Kotak Mahindra Bank's dividends in 3 years as they are not expected to pay a notable one for India.
    • Unable to evaluate Kotak Mahindra Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Kotak Mahindra Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    future

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    Pros

    • Kotak Mahindra Bank's earnings growth is expected to exceed the low risk savings rate of 7.2%.
    • Kotak Mahindra Bank's earnings are expected to increase by more than the low risk growth rate in 3 years time.
    • Performance (ROE) is expected to be above the current IN Banks industry average.
    • Kotak Mahindra Bank's revenue growth is expected to exceed the India market average.
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    Cons

    • Kotak Mahindra Bank's earnings are expected to grow by 12.5% yearly, however this is not considered high growth (20% yearly).
    • Kotak Mahindra Bank's earnings growth is positive but not above the India market average.
    • Kotak Mahindra Bank's earnings are expected to decrease over the next year.
    • Kotak Mahindra Bank's net income is expected to increase but not above the 50% threshold in 2 years time.
    • Kotak Mahindra Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
    • A decline in Kotak Mahindra Bank's performance (ROE) is expected over the next 3 years.
    • Kotak Mahindra Bank's revenue is expected to increase but not above the 50% threshold in 2 years time.
    • Kotak Mahindra Bank's revenue is expected to grow by 13.9% yearly, however this is not considered high growth (20% yearly).

    health

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    Pros

    • Kotak Mahindra Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
    • Kotak Mahindra Bank's liabilities are made up of primarily low risk sources of funding.
    • Kotak Mahindra Bank has an acceptable proportion of non-loan assets held.
    • Loans at Kotak Mahindra Bank are broadly funded by customer deposits.
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    Cons

    • Kotak Mahindra Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • The tenure for the Kotak Mahindra Bank board of directors is about average.
    • Uday's remuneration is lower than average for companies of similar size in India.
    • Uday's compensation has been consistent with company performance over the past year, both up more than 20%.
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    Cons

    • Kotak Mahindra Bank individual insiders have sold more shares than they have bought in the past 3 months.

    past

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    Pros

    • Kotak Mahindra Bank has delivered over 20% year on year earnings growth in the past 5 years.
    • Kotak Mahindra Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
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    Cons

    • Kotak Mahindra Bank's 1-year earnings growth is less than its 5-year average (19.1% vs 21.9%)
    • Kotak Mahindra Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
    • Kotak Mahindra Bank's earnings growth has not exceeded the IN Banks industry average in the past year (19.1% vs 21%).

    value

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    Pros

    • KOTAKBANK outperformed the Banks industry which returned -37.5% over the past year.
    • KOTAKBANK outperformed the Market in India which returned -14.5% over the past year.
    • NSEI:KOTAKBANK is up 8.4% along with the Banks industry (7.6%) over the past month.
    • NSEI:KOTAKBANK is up 8.4% along with the India market (8%) over the past month.
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    Cons

    • Kotak Mahindra Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • Kotak Mahindra Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • Kotak Mahindra Bank is overvalued based on assets compared to the IN Banks industry average.
    • Kotak Mahindra Bank is poor value based on expected growth next year.
    • Kotak Mahindra Bank is overvalued based on earnings compared to the IN Banks industry average.
    • Kotak Mahindra Bank is overvalued based on earnings compared to the India market.

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