Kotak Mahindra Bank Limited
Quality (73/100) does the heavy lifting; financial trend (32/100) is the drag.
Fair valueKotak Mahindra Bank Limited earns a Hold from StocksWizard, with a blended score of 50/100. We put fair value near ₹320.64; at ₹390.3 that leaves roughly 18% downside, so the stock screens overvalued by 18%. On 20.9x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 12% below its 52-week high of ₹444.35 and 11% above the low of ₹352.79. Financial health scores 64/100, with a Piotroski F-score of 3/9. The average analyst target of ₹462.21 implies about 18% upside across 36 analysts. It clears 4 of 10 investability checks, with durability 73, valuation 56 and momentum 54 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹256.51.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-12.16% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold50Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 11.4%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -11%
- Pass: Earnings growing: 10%
- Pass: Net margin ≥ 10%: 26.0%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter28.4%
- Institutions49.8%
- Public & other21.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (26.0%).
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (3/9).
About Kotak Mahindra Bank Limited
Kotak Mahindra Bank Limited offers banking and financial services to corporate and individual customers across India through nine operating segments: Treasury, BMU and Corporate Centre; Retail Banking; Corporate/Wholesale Banking; Vehicle Financing; Other Lending Activities; Broking; Advisory and Transactional Services; Asset Management; and Insurance. The bank provides deposit accounts including savings, current, retail institution, corporate, and salary accounts, as well as NRE and NRO fixed deposits.
Kotak Mahindra Bank Limited — frequently asked questions
Is Kotak Mahindra Bank Limited a buy, hold or sell?
StocksWizard currently rates Kotak Mahindra Bank Limited (KOTAKBANK) a Hold, based on a blended score of 50/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Kotak Mahindra Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates Kotak Mahindra Bank Limited's fair value at about ₹320.64, versus a current price of ₹390.3 — roughly 18% downside. On that basis the stock looks overvalued by 18%.
Is Kotak Mahindra Bank Limited financially healthy?
Kotak Mahindra Bank Limited scores 64/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Kotak Mahindra Bank Limited's share price performed?
Kotak Mahindra Bank Limited is up 5% over three months, and last traded at ₹390.3. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.