IDFC First Bank Intrinsic Value
IDFC First Bank intrinsic value. IDFC First Bank (IDFCFIRSTB) median intrinsic value is ₹29.96 from 9 valuation models (range ₹22–₹108), vs current price ₹74.89 — -60.0% downside (Trading Above Calculated Value), margin of safety -100.0%. Compare with IDFC First Bank value estimation to assess whether the stock is under or overvalued.
IDFCFIRSTB Valuation Methods Summary — DCF, Graham Number & P/E
IDFC First Bank intrinsic value across 9 models vs current price ₹74.89 — upside/downside and value range per method. For current market price and key ratios, visit IDFCFIRSTB screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹22.47 | ₹17.98 - ₹26.96 | -70.0% | EPS: ₹1.52, Sector P/E: 12x |
| Book Value Method | asset | ₹44.09 | ₹39.68 - ₹48.50 | -41.1% | Book Value/Share: ₹55.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹56.65 | ₹50.98 - ₹62.32 | -24.4% | Revenue/Share: ₹56.65, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹29.96 | ₹26.96 - ₹32.96 | -60.0% | EBITDA: ₹804.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹107.65 | ₹86.12 - ₹129.18 | +43.7% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹22.47 | ₹20.22 - ₹24.72 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹22.47 | ₹20.22 - ₹24.72 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹43.41 | ₹39.07 - ₹47.75 | -42.0% | EPS: ₹1.52, BVPS: ₹55.11 |
| Dividend Yield Method | dividend | ₹22.47 | ₹20.22 - ₹24.72 | -70.0% | DPS: ₹0.25, Target Yield: 4.0% |
IDFCFIRSTB Intrinsic Value vs Market Price — All Valuation Models
IDFC First Bank fair value range ₹22–₹108 vs current market price ₹74.89 across 9 valuation models. Read IDFCFIRSTB dividend history for the complete payout history and dividend yield track record.
IDFCFIRSTB Intrinsic Value Analysis — Undervalued or Overvalued?
IDFC First Bank median intrinsic value ₹29.96, current price ₹74.89 — Trading Above Calculated Value by 60.0%, margin of safety -100.0%.
What is the intrinsic value of IDFCFIRSTB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of IDFC First Bank (IDFCFIRSTB) is ₹29.96 (median value). With the current market price of ₹74.89, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹22.47 to ₹107.65, indicating ₹22.47 - ₹107.65.
Is IDFCFIRSTB undervalued or overvalued?
Based on our multi-method analysis, IDFC First Bank (IDFCFIRSTB) appears to be trading above calculated value by approximately 60.0%.
IDFCFIRSTB Financial Health — Key Ratios vs Industry Benchmarks
IDFC First 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 | 2.8% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 33.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
IDFCFIRSTB Cash Flow Quality — Operating & Free Cash Flow
IDFC First 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 | ₹6,817 Cr | ₹-244 Cr | Positive Operating Cash Flow | 6/10 |
| March 2025 | ₹14,465 Cr | ₹12,878 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹11,543 Cr | ₹6,600 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹3,563 Cr | ₹-2,435 Cr | Positive Operating Cash Flow | 6/10 |
| March 2022 | ₹2,679 Cr | ₹1,199 Cr | Positive Free Cash Flow | 7/10 |