Bank of India Intrinsic Value
Bank of India (BANKINDIA) median intrinsic value is ₹223.47 from 9 valuation models (range ₹142–₹368), vs current price ₹147.00 — +52.0% upside (Trading Below Calculated Value), margin of safety 34.2%. Also explore BANKINDIA share price data to track price trends across different timeframes.
BANKINDIA Valuation Methods Summary — DCF, Graham Number & P/E
Bank of India intrinsic value across 9 models vs current price ₹147.00 — upside/downside and value range per method. Browse BANKINDIA cash flow statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹325.44 | ₹260.35 - ₹390.53 | +121.4% | EPS: ₹27.12, 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 | ₹200.77 | ₹180.69 - ₹220.85 | +36.6% | Revenue/Share: ₹200.77, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹179.18 | ₹161.26 - ₹197.10 | +21.9% | EBITDA: ₹16316.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹367.50 | ₹294.00 - ₹441.00 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹173.57 | ₹156.21 - ₹190.93 | +18.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹223.47 | ₹201.12 - ₹245.82 | +52.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹294.00 | ₹264.60 - ₹323.40 | +100.0% | ROE: 15.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹329.25 | ₹296.32 - ₹362.18 | +124.0% | EPS: ₹27.12, BVPS: ₹177.66 |
BANKINDIA Intrinsic Value vs Market Price — All Valuation Models
Bank of India fair value range ₹142–₹368 vs current market price ₹147.00 across 9 valuation models. For current market price and key ratios, visit BANKINDIA share price.
BANKINDIA Intrinsic Value Analysis — Undervalued or Overvalued?
Bank of India median intrinsic value ₹223.47, current price ₹147.00 — Trading Below Calculated Value by 52.0%, margin of safety 34.2%.
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 ₹223.47 (median value). With the current market price of ₹147.00, this represents a +52.0% variance from our estimated fair value.
The valuation range spans from ₹142.13 to ₹367.50, indicating ₹142.13 - ₹367.50.
Is BANKINDIA undervalued or overvalued?
Based on our multi-method analysis, Bank of India (BANKINDIA) appears to be trading below calculated value by approximately 52.0%.
BANKINDIA Financial Health — Key Ratios vs Industry Benchmarks
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 |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 15.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | 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 |
BANKINDIA Cash Flow Quality — Operating & Free Cash Flow
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 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 |