Central Bank of India Intrinsic Value
Central Bank of India intrinsic value. Central Bank of India (CENTRALBK) median intrinsic value is ₹52.03 from 10 valuation models (range ₹29–₹80), vs current price ₹30.01 — +73.4% upside (Trading Below Calculated Value), margin of safety 42.3%. Read CENTRALBK dividend history for the complete payout history and dividend yield track record.
CENTRALBK Valuation Methods Summary — DCF, Graham Number & P/E
Central Bank of India intrinsic value across 10 models vs current price ₹30.01 — upside/downside and value range per method. For current market price and key ratios, visit CENTRALBK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹78.72 | ₹62.98 - ₹94.46 | +162.3% | EPS: ₹6.56, Sector P/E: 12x |
| Book Value Method | asset | ₹34.55 | ₹31.09 - ₹38.01 | +15.1% | Book Value/Share: ₹43.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹52.03 | ₹46.83 - ₹57.23 | +73.4% | Revenue/Share: ₹52.03, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹37.90 | ₹34.11 - ₹41.69 | +26.3% | EBITDA: ₹6860.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹28.76 | ₹23.01 - ₹34.51 | -4.2% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹41.98 | ₹37.78 - ₹46.18 | +39.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹54.05 | ₹48.64 - ₹59.45 | +80.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹60.02 | ₹54.02 - ₹66.02 | +100.0% | ROE: 15.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹79.84 | ₹71.86 - ₹87.82 | +166.0% | EPS: ₹6.56, BVPS: ₹43.19 |
| Dividend Yield Method | dividend | ₹45.00 | ₹40.50 - ₹49.50 | +50.0% | DPS: ₹1.80, Target Yield: 4.0% |
CENTRALBK Intrinsic Value vs Market Price — All Valuation Models
Central Bank of India fair value range ₹29–₹80 vs current market price ₹30.01 across 10 valuation models. Compare with CENTRALBK fair value to assess whether the stock is under or overvalued.
CENTRALBK Intrinsic Value Analysis — Undervalued or Overvalued?
Central Bank of India median intrinsic value ₹52.03, current price ₹30.01 — Trading Below Calculated Value by 73.4%, margin of safety 42.3%.
What is the intrinsic value of CENTRALBK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Central Bank of India (CENTRALBK) is ₹52.03 (median value). With the current market price of ₹30.01, this represents a +73.4% variance from our estimated fair value.
The valuation range spans from ₹28.76 to ₹79.84, indicating ₹28.76 - ₹79.84.
Is CENTRALBK undervalued or overvalued?
Based on our multi-method analysis, Central Bank of India (CENTRALBK) appears to be trading below calculated value by approximately 73.4%.
CENTRALBK Financial Health — Key Ratios vs Industry Benchmarks
Central Bank of India financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 15.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 63.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CENTRALBK Cash Flow Quality — Operating & Free Cash Flow
Central Bank of India operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹2,804 Cr | ₹2,577 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹-2,460 Cr | ₹-2,686 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-5,910 Cr | ₹-6,202 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-8,786 Cr | ₹-8,891 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹14,277 Cr | ₹14,211 Cr | Positive Free Cash Flow | 8/10 |