Bank of Maharashtra Intrinsic Value
Bank of Maharashtra (MAHABANK) median intrinsic value is ₹86.39 from 10 valuation models (range ₹30–₹162), vs current price ₹81.03 — +6.6% upside (Trading Near Calculated Value), margin of safety 6.2%. Read MAHABANK dividend growth for the complete payout history and dividend yield track record.
MAHABANK Valuation Methods Summary — DCF, Graham Number & P/E
Bank of Maharashtra intrinsic value across 10 models vs current price ₹81.03 — upside/downside and value range per method. Analyse MAHABANK FII DII holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹127.68 | ₹102.14 - ₹153.22 | +57.6% | EPS: ₹10.64, Sector P/E: 12x |
| Book Value Method | asset | ₹34.56 | ₹31.10 - ₹38.02 | -57.3% | Book Value/Share: ₹43.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹45.21 | ₹40.69 - ₹49.73 | -44.2% | Revenue/Share: ₹45.21, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹60.58 | ₹54.52 - ₹66.64 | -25.2% | EBITDA: ₹9320.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹92.69 | ₹74.15 - ₹111.23 | +14.4% | CF Growth: 5.2%, Discount: 15% |
| PEG Ratio Method | growth | ₹68.10 | ₹61.29 - ₹74.91 | -16.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹87.67 | ₹78.90 - ₹96.44 | +8.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹162.06 | ₹145.85 - ₹178.27 | +100.0% | ROE: 24.6%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹86.39 | ₹77.75 - ₹95.03 | +6.6% | EPS: ₹10.64, BVPS: ₹43.19 |
| Dividend Yield Method | dividend | ₹30.00 | ₹27.00 - ₹33.00 | -63.0% | DPS: ₹1.20, Target Yield: 4.0% |
MAHABANK Intrinsic Value vs Market Price — All Valuation Models
Bank of Maharashtra fair value range ₹30–₹162 vs current market price ₹81.03 across 10 valuation models. For current market price and key ratios, visit Bank of Maharashtra share price chart.
MAHABANK Intrinsic Value Analysis — Undervalued or Overvalued?
Bank of Maharashtra median intrinsic value ₹86.39, current price ₹81.03 — Trading Near Calculated Value by 6.6%, margin of safety 6.2%.
What is the intrinsic value of MAHABANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Bank of Maharashtra (MAHABANK) is ₹86.39 (median value). With the current market price of ₹81.03, this represents a +6.6% variance from our estimated fair value.
The valuation range spans from ₹30.00 to ₹162.06, indicating ₹30.00 - ₹162.06.
Is MAHABANK undervalued or overvalued?
Based on our multi-method analysis, Bank of Maharashtra (MAHABANK) appears to be trading near calculated value by approximately 6.6%.
MAHABANK Financial Health — Key Ratios vs Industry Benchmarks
Bank of Maharashtra 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 | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 24.6% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | 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 |
MAHABANK Cash Flow Quality — Operating & Free Cash Flow
Bank of Maharashtra 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 | ₹-11,336 Cr | ₹-11,589 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹7,628 Cr | ₹7,381 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹11,581 Cr | ₹11,451 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-1,440 Cr | ₹-1,528 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹6,896 Cr | ₹6,746 Cr | Positive Free Cash Flow | 8/10 |