IDBI Bank Intrinsic Value
IDBI Bank intrinsic value. IDBI Bank (IDBI) median intrinsic value is ₹67.90 from 9 valuation models (range ₹37–₹200), vs current price ₹79.80 — -14.9% downside (Trading Above Median Value), margin of safety -17.5%. Compare with IDBI fair price to assess whether the stock is under or overvalued.
IDBI Valuation Methods Summary — DCF, Graham Number & P/E
IDBI Bank intrinsic value across 9 models vs current price ₹79.80 — upside/downside and value range per method. Read IDBI dividend track record for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹98.88 | ₹79.10 - ₹118.66 | +23.9% | EPS: ₹8.24, Sector P/E: 12x |
| Book Value Method | asset | ₹51.15 | ₹46.03 - ₹56.27 | -35.9% | Book Value/Share: ₹63.93, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹36.96 | ₹33.26 - ₹40.66 | -53.7% | Revenue/Share: ₹36.96, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹54.20 | ₹48.78 - ₹59.62 | -32.1% | EBITDA: ₹11656.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹199.50 | ₹159.60 - ₹239.40 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹52.74 | ₹47.47 - ₹58.01 | -33.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹67.90 | ₹61.11 - ₹74.69 | -14.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹99.38 | ₹89.44 - ₹109.32 | +24.5% | ROE: 13.0%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹108.87 | ₹97.98 - ₹119.76 | +36.4% | EPS: ₹8.24, BVPS: ₹63.93 |
IDBI Intrinsic Value vs Market Price — All Valuation Models
IDBI Bank fair value range ₹37–₹200 vs current market price ₹79.80 across 9 valuation models. For current market price and key ratios, visit IDBI Bank share price today.
IDBI Intrinsic Value Analysis — Undervalued or Overvalued?
IDBI Bank median intrinsic value ₹67.90, current price ₹79.80 — Trading Above Median Value by 14.9%, margin of safety -17.5%.
What is the intrinsic value of IDBI?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of IDBI Bank (IDBI) is ₹67.90 (median value). With the current market price of ₹79.80, this represents a -14.9% variance from our estimated fair value.
The valuation range spans from ₹36.96 to ₹199.50, indicating ₹36.96 - ₹199.50.
Is IDBI undervalued or overvalued?
Based on our multi-method analysis, IDBI Bank (IDBI) appears to be trading above median value by approximately 14.9%.
IDBI Financial Health — Key Ratios vs Industry Benchmarks
IDBI Bank 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 | 13.0% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | 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 |
IDBI Cash Flow Quality — Operating & Free Cash Flow
IDBI Bank 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 | ₹16,762 Cr | ₹16,762 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹25,796 Cr | ₹25,627 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-1,253 Cr | ₹-1,362 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-2,701 Cr | ₹-2,843 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹5,068 Cr | ₹4,972 Cr | Positive Free Cash Flow | 8/10 |