Bank of India Intrinsic Value
BANKINDIA • Banks
Current Stock Price
₹137.55
Primary Intrinsic Value
₹271.68
Market Cap
₹626.3K Cr
+35.6%
Upside
Median Value
₹186.55
Value Range
₹142 - ₹344
Assessment
Trading Below Calculated Value
Safety Margin
26.3%
BANKINDIA Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹271.68 | ₹217.34 - ₹326.02 | +97.5% | EPS: ₹22.64, Sector P/E: 12x |
| Book Value Method | asset | ₹142.13 | ₹127.92 - ₹156.34 | +3.3% | Book Value/Share: ₹177.66, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹182.21 | ₹163.99 - ₹200.43 | +32.5% | Revenue/Share: ₹182.21, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹147.64 | ₹132.88 - ₹162.40 | +7.3% | EBITDA: ₹13444.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹343.88 | ₹275.10 - ₹412.66 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹144.90 | ₹130.41 - ₹159.39 | +5.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹186.55 | ₹167.90 - ₹205.21 | +35.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹271.57 | ₹244.41 - ₹298.73 | +97.4% | ROE: 12.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹300.83 | ₹270.75 - ₹330.91 | +118.7% | EPS: ₹22.64, BVPS: ₹177.66 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
BANKINDIA Intrinsic Value Analysis
What is the intrinsic value of BANKINDIA?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Bank of India (BANKINDIA) is ₹186.55 (median value). With the current market price of ₹137.55, this represents a +35.6% variance from our estimated fair value.
The valuation range spans from ₹142.13 to ₹343.88, indicating ₹142.13 - ₹343.88.
Is BANKINDIA undervalued or overvalued?
Based on our multi-method analysis, Bank of India (BANKINDIA) appears to be trading below calculated value by approximately 35.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 74.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Bank of India
Additional stock information and data for BANKINDIA
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹18,534 Cr | ₹18,107 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-4,437 Cr | ₹-4,933 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-7,045 Cr | ₹-7,306 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-35,487 Cr | ₹-35,809 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹37,868 Cr | ₹37,777 Cr | Positive Free Cash Flow | 8/10 |