IDBI Bank Intrinsic Value
IDBI Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹144.00 | ₹115.20 - ₹172.80 | +33.2% | EPS: ₹12.00, Sector P/E: 12x |
| Book Value Method | asset | ₹45.97 | ₹41.37 - ₹50.57 | -57.5% | Book Value/Share: ₹57.46, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹34.46 | ₹31.01 - ₹37.91 | -68.1% | Revenue/Share: ₹34.46, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹43.25 | ₹38.93 - ₹47.58 | -60.0% | EBITDA: ₹15188.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹270.30 | ₹216.24 - ₹324.36 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹76.80 | ₹69.12 - ₹84.48 | -29.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹98.88 | ₹88.99 - ₹108.77 | -8.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹192.92 | ₹173.63 - ₹212.21 | +78.4% | ROE: 21.0%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹114.93 | ₹103.44 - ₹126.42 | +6.3% | EPS: ₹12.00, BVPS: ₹57.46 |
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Valuation Comparison Chart
IDBI Intrinsic Value Analysis
What is the intrinsic value of IDBI?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of IDBI Bank (IDBI) is ₹98.88 (median value). With the current market price of ₹108.12, this represents a -8.5% variance from our estimated fair value.
The valuation range spans from ₹34.46 to ₹270.30, indicating ₹34.46 - ₹270.30.
Is IDBI undervalued or overvalued?
Based on our multi-method analysis, IDBI Bank (IDBI) appears to be trading near calculated value by approximately 8.5%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 6.68 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 21.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 77.0% | 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 IDBI Bank
Additional stock information and data for IDBI
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹25,796 Cr | ₹25,627 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-1,253 Cr | ₹-1,362 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-2,701 Cr | ₹-2,843 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹5,068 Cr | ₹4,972 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹10,214 Cr | ₹10,185 Cr | Positive Free Cash Flow | 8/10 |