Central Bank of India Intrinsic Value
Central Bank of India (CENTRALBK) median intrinsic value is ₹35.55 from 10 valuation models (range ₹21–₹56), vs current price ₹31.03 — +14.6% upside (Trading Below Median Value), margin of safety 12.7%. For current market price and key ratios, visit CENTRALBK screener.
CENTRALBK Valuation Methods Summary — DCF, Graham Number & P/E
Central Bank of India intrinsic value across 10 models vs current price ₹31.03 — upside/downside and value range per method. Read CENTRALBK dividend history for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹39.36 | ₹31.49 - ₹47.23 | +26.8% | EPS: ₹3.28, Sector P/E: 12x |
| Book Value Method | asset | ₹34.55 | ₹31.09 - ₹38.01 | +11.3% | Book Value/Share: ₹43.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹47.99 | ₹43.19 - ₹52.79 | +54.7% | Revenue/Share: ₹47.99, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹35.55 | ₹31.99 - ₹39.10 | +14.6% | EBITDA: ₹6436.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹28.76 | ₹23.01 - ₹34.51 | -7.3% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹20.99 | ₹18.89 - ₹23.09 | -32.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹27.03 | ₹24.33 - ₹29.73 | -12.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹33.06 | ₹29.75 - ₹36.37 | +6.5% | ROE: 7.7%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹56.46 | ₹50.81 - ₹62.11 | +82.0% | EPS: ₹3.28, BVPS: ₹43.19 |
| Dividend Yield Method | dividend | ₹45.00 | ₹40.50 - ₹49.50 | +45.0% | DPS: ₹1.80, Target Yield: 4.0% |
CENTRALBK Intrinsic Value vs Market Price — All Valuation Models
Central Bank of India fair value range ₹21–₹56 vs current market price ₹31.03 across 10 valuation models. Analyse CENTRALBK shareholder distribution to track promoter, FII and institutional holdings.
CENTRALBK Intrinsic Value Analysis — Undervalued or Overvalued?
Central Bank of India median intrinsic value ₹35.55, current price ₹31.03 — Trading Below Median Value by 14.6%, margin of safety 12.7%.
What is the intrinsic value of CENTRALBK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Central Bank of India (CENTRALBK) is ₹35.55 (median value). With the current market price of ₹31.03, this represents a +14.6% variance from our estimated fair value.
The valuation range spans from ₹20.99 to ₹56.46, indicating ₹20.99 - ₹56.46.
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 14.6%.
CENTRALBK Financial Health — Key Ratios vs Industry Benchmarks
Central 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 | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 63.0% | 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 |
CENTRALBK Cash Flow Quality — Operating & Free Cash Flow
Central 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 2026 | ₹2,804 Cr | ₹2,577 Cr | Positive Free Cash Flow | 8/10 |
| 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 |