IDFC First Bank Intrinsic Value
IDFCFIRSTB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹25.80 | ₹20.64 - ₹30.96 | -70.0% | EPS: ₹1.40, Sector P/E: 12x |
| Book Value Method | asset | ₹41.69 | ₹37.52 - ₹45.86 | -51.5% | Book Value/Share: ₹52.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹64.62 | ₹58.16 - ₹71.08 | -24.9% | Revenue/Share: ₹64.62, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹155.07 | ₹124.06 - ₹186.08 | +80.3% | CF Growth: 0.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹25.80 | ₹23.22 - ₹28.38 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹25.80 | ₹23.22 - ₹28.38 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹40.52 | ₹36.47 - ₹44.57 | -52.9% | EPS: ₹1.40, BVPS: ₹52.11 |
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Valuation Comparison Chart
IDFCFIRSTB Intrinsic Value Analysis
What is the intrinsic value of IDFCFIRSTB?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of IDFC First Bank (IDFCFIRSTB) is ₹40.52 (median value). With the current market price of ₹86.00, this represents a -52.9% variance from our estimated fair value.
The valuation range spans from ₹25.80 to ₹155.07, indicating ₹25.80 - ₹155.07.
Is IDFCFIRSTB undervalued or overvalued?
Based on our multi-method analysis, IDFC First Bank (IDFCFIRSTB) appears to be trading above calculated value by approximately 52.9%.
Financial Health Analysis
| 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 |
| Debt to Equity Ratio | 9.01 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 3.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 34.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for IDFC First Bank
Additional stock information and data for IDFCFIRSTB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹14,465 Cr | ₹12,878 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹11,543 Cr | ₹6,600 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹3,563 Cr | ₹-2,435 Cr | Positive Operating Cash Flow | 6/10 |
| March 2022 | ₹2,679 Cr | ₹1,199 Cr | Positive Free Cash Flow | 7/10 |
| March 2021 | ₹14,042 Cr | ₹12,626 Cr | Positive Free Cash Flow | 8/10 |