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Kotak Mahindra Bank

Company Background

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Growth Snapshot

We can't just look at a series of past growth rates and assume that they will predict the future - if investing were that easy, money managers would be paid much less, and this stock analysis would be much shorter. It’s critical to investigate the Sources of a company's growth.
Variable FY06 FY07 FY08 FY09 FY10
Sales Turnover (Rs. Cr.) 1012.66 1679.75 3136.44 3638.63 3989.41
Sales Growth Year on Year
3yr Average Sales Growth
3yr Sales CAGR
5yr Average Sales growth
5yr Sales CAGR
Profit After Tax (PAT) (Rs. Cr.) 118.23 141.37 293.93 276.10 561.11
Adjusted EPS 1.70 2.03 4.22 3.97 8.06
EPS Growth Year on Year 19.57 107.92 -6.07 103.23
3yr Average EPS growth 40.47 68.36
3yr EPS CAGR 57.67 39.75 38.17
5yr Average EPS growth 56.16
5yr EPS CAGR 47.60

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Profitability Snapshot

Profitability is the second, and in many ways, the most crucial, part of our Analysis framework. How much profit is the company generating relative to the amount of money invested in the business - the returns? This is the real key to separating a great company from average ones -the higher that return, the more attractive that business. Net profit Margins and comparing cash flow from operations to reported earnings per share are good ways to get a rough idea of the company's profitability (because cash flow from Operations represents real profits!). But neither account for the amount of capital that's tied up in the business, and that's something we cant ignore. We need to know how much economic profit the company is able to generate per dollar/rupee of capital employed because it will have more excess profits to re-invest which will give it an advantage over less-efficient competitors.
Variable FY06 FY07 FY08 FY09 FY10
Operating Profit Margin
Net Profit Margin
Fixed Asset Turnover
Asset Turnover
Return on Assets
Financial Leverage 11.94 12.19 7.88 7.35 8.25
Return on Equity
Return on Capital Employed
Debtor Days
Inventory Days
Cash from Operating Activities (Rs. Cr.)
Operating Cash Flow to Sales
Capital Expenditure
Free Cash Flow
Free Cash Flow to Sales
Equity Dividend (Rs. Cr.) 19.46 22.86 25.87 25.96 29.66
Dividend per share 0.31 0.35 0.38 0.38 0.43
Adjusted DPS 0.28 0.33 0.37 0.37 0.43
Dividend Growth Year on Year 17.47 13.17 0.35 14.25
3yr DPS CAGR 15.30 6.56 7.07
5yr DPS CAGR 11.11
Dividend Payout 16.46 16.17 8.80 9.40 5.29

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Common size P&L Statement

Can we dig deeper to see what else we can understand about how this company makes money? A good way is to look at the common size profit and loss statement. Common size statements are great tools for evaluating companies because they put every line item in context by looking at each of them as a percentage of Sales.
Variable FY06 FY07 FY08 FY09 FY10
Common Size Sales
Common Size Raw Material
Common Size Power & Fuel
Common Size Employee Cost
Common Size COGS
Gross Profit Margin
Common Size Depreciation
Common Size Interest Cost
Common Size SG&A
Operating Profit Margin

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Financial Health Snapshot

Once we have figured out how fast (and why) a company has grown and how profitable it is, we need to look at its financial health. Even the most beautiful home needs a solid foundation, after all.
Variable FY06 FY07 FY08 FY09 FY10
Financial Leverage 11.94 12.19 7.88 7.35 8.25
Debt to Assets
Debt to Equity
Interest Coverage
Interest Cost to Total Debt
Current Ratio
Quick Ratio
Cash to Assets

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