IDBI Bank Intrinsic Value
IDBI Bank (IDBI) median intrinsic value is ₹61.64 from 9 valuation models (range ₹35–₹212), vs current price ₹84.93 — -27.4% downside (Trading Above Calculated Value), margin of safety -37.8%. Analyse IDBI FII DII holdings to track promoter, FII and institutional holdings.
IDBI Valuation Methods Summary — DCF, Graham Number & P/E
IDBI Bank intrinsic value across 9 models vs current price ₹84.93 — upside/downside and value range per method. Read IDBI dividend track record for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹89.76 | ₹71.81 - ₹107.71 | +5.7% | EPS: ₹7.48, Sector P/E: 12x |
| Book Value Method | asset | ₹51.15 | ₹46.03 - ₹56.27 | -39.8% | Book Value/Share: ₹63.93, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹35.41 | ₹31.87 - ₹38.95 | -58.3% | Revenue/Share: ₹35.41, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹52.38 | ₹47.14 - ₹57.62 | -38.3% | EBITDA: ₹11264.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹211.76 | ₹169.41 - ₹254.11 | +149.3% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹47.87 | ₹43.08 - ₹52.66 | -43.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹61.64 | ₹55.48 - ₹67.80 | -27.4% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹89.87 | ₹80.88 - ₹98.86 | +5.8% | ROE: 11.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹103.73 | ₹93.36 - ₹114.10 | +22.1% | EPS: ₹7.48, BVPS: ₹63.93 |
IDBI Intrinsic Value vs Market Price — All Valuation Models
IDBI Bank fair value range ₹35–₹212 vs current market price ₹84.93 across 9 valuation models. For current market price and key ratios, visit IDBI Bank share price today.
IDBI Intrinsic Value Analysis — Undervalued or Overvalued?
IDBI Bank median intrinsic value ₹61.64, current price ₹84.93 — Trading Above Calculated Value by 27.4%, margin of safety -37.8%.
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 ₹61.64 (median value). With the current market price of ₹84.93, this represents a -27.4% variance from our estimated fair value.
The valuation range spans from ₹35.41 to ₹211.76, indicating ₹35.41 - ₹211.76.
Is IDBI undervalued or overvalued?
Based on our multi-method analysis, IDBI Bank (IDBI) appears to be trading above calculated value by approximately 27.4%.
IDBI Financial Health — Key Ratios vs Industry Benchmarks
IDBI Bank 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 | 0.16 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 11.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 65.0% | 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 |
IDBI Cash Flow Quality — Operating & Free Cash Flow
IDBI Bank 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 | ₹16,762 Cr | ₹16,762 Cr | Positive Free Cash Flow | 8/10 |
| 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 |