Indian Bank Intrinsic Value
Indian Bank intrinsic value. Indian Bank (INDIANB) median intrinsic value is ₹866.52 from 10 valuation models (range ₹456–₹1472), vs current price ₹855.70 — +1.3% upside (Trading Near Calculated Value), margin of safety 1.2%. For current market price and key ratios, visit INDIANB stock price BSE.
INDIANB Valuation Methods Summary — DCF, Graham Number & P/E
Indian Bank intrinsic value across 10 models vs current price ₹855.70 — upside/downside and value range per method. Compare with INDIANB stock valuation models to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1261.92 | ₹1009.54 - ₹1514.30 | +47.5% | EPS: ₹105.16, Sector P/E: 12x |
| Book Value Method | asset | ₹475.59 | ₹428.03 - ₹523.15 | -44.4% | Book Value/Share: ₹594.49, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹692.98 | ₹623.68 - ₹762.28 | -19.0% | Revenue/Share: ₹692.98, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹719.82 | ₹647.84 - ₹791.80 | -15.9% | EBITDA: ₹19392.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1296.84 | ₹1037.47 - ₹1556.21 | +51.6% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹673.02 | ₹605.72 - ₹740.32 | -21.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹866.52 | ₹779.87 - ₹953.17 | +1.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1472.13 | ₹1324.92 - ₹1619.34 | +72.0% | ROE: 17.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1186.01 | ₹1067.41 - ₹1304.61 | +38.6% | EPS: ₹105.16, BVPS: ₹594.49 |
| Dividend Yield Method | dividend | ₹456.25 | ₹410.62 - ₹501.88 | -46.7% | DPS: ₹18.25, Target Yield: 4.0% |
INDIANB Intrinsic Value vs Market Price — All Valuation Models
Indian Bank fair value range ₹456–₹1472 vs current market price ₹855.70 across 10 valuation models. Read INDIANB ex-dividend dates for the complete payout history and dividend yield track record.
INDIANB Intrinsic Value Analysis — Undervalued or Overvalued?
Indian Bank median intrinsic value ₹866.52, current price ₹855.70 — Trading Near Calculated Value by 1.3%, margin of safety 1.2%.
What is the intrinsic value of INDIANB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Indian Bank (INDIANB) is ₹866.52 (median value). With the current market price of ₹855.70, this represents a +1.3% variance from our estimated fair value.
The valuation range spans from ₹456.25 to ₹1472.13, indicating ₹456.25 - ₹1472.13.
Is INDIANB undervalued or overvalued?
Based on our multi-method analysis, Indian Bank (INDIANB) appears to be trading near calculated value by approximately 1.3%.
INDIANB Financial Health — Key Ratios vs Industry Benchmarks
Indian 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 | 17.7% | 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 |
INDIANB Cash Flow Quality — Operating & Free Cash Flow
Indian 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 | ₹18,816 Cr | ₹18,602 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹17,396 Cr | ₹17,222 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-8,617 Cr | ₹-8,926 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-27,894 Cr | ₹-28,051 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹28,750 Cr | ₹28,598 Cr | Positive Free Cash Flow | 8/10 |