Central Bank of India Intrinsic Value
CENTRALBK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹65.28 | ₹52.22 - ₹78.34 | +70.1% | EPS: ₹5.44, Sector P/E: 12x |
| Book Value Method | asset | ₹32.67 | ₹29.40 - ₹35.94 | -14.9% | Book Value/Share: ₹40.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹45.45 | ₹40.91 - ₹50.00 | +18.5% | Revenue/Share: ₹45.45, P/S: 1.0x |
| PEG Ratio Method | growth | ₹34.82 | ₹31.34 - ₹38.30 | -9.3% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹44.83 | ₹40.35 - ₹49.31 | +16.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹65.44 | ₹58.90 - ₹71.98 | +70.5% | ROE: 13.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹70.70 | ₹63.63 - ₹77.77 | +84.3% | EPS: ₹5.44, BVPS: ₹40.84 |
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Valuation Comparison Chart
CENTRALBK Intrinsic Value Analysis
What is the intrinsic value of CENTRALBK?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of Central Bank of India (CENTRALBK) is ₹45.45 (median value). With the current market price of ₹38.37, this represents a +18.5% variance from our estimated fair value.
The valuation range spans from ₹32.67 to ₹70.70, indicating ₹32.67 - ₹70.70.
Is CENTRALBK undervalued or overvalued?
Based on our multi-method analysis, Central Bank of India (CENTRALBK) appears to be trading below median value by approximately 18.5%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 13.00 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 13.4% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 62.0% | 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 |
Related Pages for Central Bank of India
Additional stock information and data for CENTRALBK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-2,460 Cr | ₹-2,686 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-5,910 Cr | ₹-6,202 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-8,786 Cr | ₹-8,891 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹14,277 Cr | ₹14,211 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-2,003 Cr | ₹-2,104 Cr | Negative Cash Flow | 3/10 |