Independent Bank (INDB) Financials
$81.30
$0.42
(0.52%)
As on 21-Oct-2026 16:00EDT
Market cap
$3,784 Mln
Revenue (TTM)
$1,264 Mln
P/E Ratio
11.8
P/B Ratio
1.1
Div. Yield
0.8 %
Income Statement ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Revenue
|
1,264.21
|
1,167.17
|
974.14
|
795.73
|
749.84
|
515.98
|
|
|
|
|
|
|
Cost of Revenue
|
331.45
|
374.29
|
327.27
|
212.46
|
36.09
|
31.92
|
|
|
|
|
|
|
Gross Profit
|
932.77
|
792.88
|
646.86
|
795.73
|
713.75
|
484.06
|
|
|
|
|
|
|
Operating Expenses
|
575.98
|
525.96
|
399.74
|
-480.59
|
365.99
|
327.39
|
|
|
|
|
|
|
Operating Profit (EBIT)
|
356.79
|
266.92
|
247.13
|
315.13
|
347.75
|
156.68
|
|
|
|
|
|
|
Other Income
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
422.94
|
262.17
|
247.13
|
315.13
|
347.75
|
156.68
|
|
|
|
|
|
|
Provision for Tax
|
96.10
|
57.05
|
55.05
|
75.63
|
83.94
|
35.68
|
|
|
|
|
|
|
Profit after Tax (Net Income)
|
326.84
|
205.12
|
192.08
|
239.50
|
263.81
|
120.99
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
--
|
--
|
--
|
--
|
263.81
|
120.99
|
|
|
|
|
|
Liabilities ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
3,452.34
|
3,565.73
|
2,993.12
|
2,895.25
|
2,886.70
|
3,018.45
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
915.09
|
20,931.55
|
1,074.47
|
1,586.58
|
528.47
|
487.91
|
|
|
|
|
|
|
Current Liabilities
|
20,644.67
|
415.62
|
15,305.98
|
14,865.55
|
15,879.01
|
16,917.04
|
|
|
|
|
|
|
Total Liabilities
|
45,656.77
|
24,912.90
|
19,373.57
|
19,347.37
|
19,294.17
|
20,423.41
|
|
|
|
|
|
Assets ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
20,836.29
|
24,669.41
|
19,006.40
|
17,788.79
|
17,542.09
|
16,611.57
|
|
|
|
|
|
|
Current Assets
|
4,175.81
|
229.77
|
367.16
|
1,558.59
|
1,752.09
|
3,811.83
|
|
|
|
|
|
|
Total Assets
|
29,187.91
|
24,912.90
|
19,373.57
|
19,347.37
|
19,294.17
|
20,423.41
|
|
|
|
|
|
|
Total Debt*
|
627.15
|
901.25
|
701.37
|
1,218.38
|
113.38
|
152.37
|
|
|
|
|
|
|
Net Current Assets
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Cashflow ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
251.16
|
229.92
|
276.99
|
421.20
|
190.22
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
5.05
|
-33.01
|
-211.65
|
-1,000.47
|
-63.14
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
295.80
|
-201.35
|
-193.95
|
-1,308.48
|
816.96
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
--
|
--
|
--
|
--
|
944.05
|
|
|
|
|
|
Financials Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS ($)
|
6.76
|
4.15
|
4.52
|
5.51
|
5.78
|
3.00
|
|
|
|
|
|
|
Cash EPS ($)
|
--
|
5.00
|
5.48
|
6.34
|
6.63
|
3.81
|
|
|
|
|
|
|
Adjusted Book Value ($)
|
--
|
72.07
|
70.40
|
66.58
|
63.22
|
74.76
|
|
|
|
|
|
|
Dividend per Share ($)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share ($)
|
--
|
5.08
|
5.41
|
6.37
|
9.22
|
4.71
|
|
|
|
|
|
|
Free Cash Flow per Share ($)
|
--
|
4.84
|
4.93
|
6.01
|
8.74
|
4.09
|
|
|
|
|
|
Profitability Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
5.03
|
4.92
|
6.73
|
8.55
|
4.79
|
|
|
|
|
|
|
ROE (%)
|
9.35
|
6.25
|
6.52
|
8.28
|
8.94
|
5.13
|
|
|
|
|
|
|
ROA (%)
|
1.18
|
0.93
|
0.99
|
1.24
|
1.33
|
0.72
|
|
|
|
|
|
|
EBIT Margin (%)
|
18.96
|
22.87
|
25.37
|
39.60
|
46.38
|
30.36
|
|
|
|
|
|
|
Net Margin (%)
|
25.85
|
17.57
|
19.72
|
30.10
|
35.18
|
23.45
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
0.00
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Growth Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
17.63
|
0.20
|
0.22
|
0.06
|
0.45
|
0.02
|
|
|
|
|
|
|
EBIT Growth (%)
|
4.11
|
8.01
|
-21.58
|
-9.38
|
121.96
|
2.51
|
|
|
|
|
|
|
Net Profit Growth (%)
|
81.76
|
6.79
|
-19.80
|
-9.22
|
118.04
|
-0.14
|
|
|
|
|
|
|
EPS Growth (%)
|
64.59
|
-0.08
|
-0.18
|
-0.05
|
0.93
|
-0.18
|
|
|
|
|
|
|
Book Value Growth (%)
|
2.90
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Valuation Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
11.76
|
17.63
|
14.21
|
11.95
|
14.61
|
27.21
|
|
|
|
|
|
|
Price / Book Value
|
1.08
|
1.01
|
0.91
|
0.99
|
1.34
|
1.09
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.77
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
--
|
13.86
|
10.64
|
8.00
|
5.73
|
-1.94
|
|
|
|
|
|
|
Close Price ($)
|
77.65
|
73.08
|
64.19
|
65.81
|
84.43
|
81.53
|
|
|
|
|
|
|
High Price ($)
|
87.50
|
78.17
|
77.23
|
85.32
|
91.65
|
99.85
|
|
|
|
|
|
|
Low Price ($)
|
63.33
|
52.15
|
45.11
|
43.28
|
74.28
|
68.14
|
|
|
|
|
|
|
Market Cap ($ Cr)
|
3,783.84
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Solvency Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
--
|
0.25
|
0.23
|
0.42
|
0.04
|
0.05
|
|
|
|
|
|
|
Short term debt to equity ratio
|
0.03
|
0.12
|
0.22
|
0.39
|
0.00
|
0.01
|
|
|
|
|
|
|
Current Ratio
|
0.20
|
0.55
|
0.02
|
0.10
|
0.11
|
0.23
|
|
|
|
|
|
|
Quick Ratio
|
0.20
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Interest Coverage
|
2.30
|
0.85
|
0.85
|
1.67
|
11.75
|
11.42
|
|
|
|
|
|
Operating Efficiency Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debtors to sales (%)
|
--
|
0.77
|
--
|
--
|
0.70
|
1.04
|
|
|
|
|
|
|
Asset Turnover
|
0.05
|
0.05
|
0.05
|
0.04
|
0.04
|
0.03
|
|
|
|
|
|
|
Receivable days
|
--
|
2.82
|
--
|
2.41
|
2.59
|
3.55
|
|
|
|
|
|
|
Inventory Days
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Payable days
|
--
|
--
|
--
|
27,298.99
|
165,952.14
|
159,673.67
|
|
|
|
|
|
|
Cash Conversion Cycle
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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