IDFC First Bank Intrinsic Value
IDFCFIRSTB • Banks
Current Stock Price
₹65.87
Primary Intrinsic Value
₹19.76
Market Cap
₹482.3K Cr
-38.5%
Downside
Median Value
₹40.52
Value Range
₹20 - ₹155
Assessment
Trading Above Calculated Value
Safety Margin
-62.6%
IDFCFIRSTB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹19.76 | ₹15.81 - ₹23.71 | -70.0% | EPS: ₹1.40, Sector P/E: 12x |
| Book Value Method | asset | ₹41.69 | ₹37.52 - ₹45.86 | -36.7% | Book Value/Share: ₹52.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹64.62 | ₹58.16 - ₹71.08 | -1.9% | Revenue/Share: ₹64.62, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹26.35 | ₹23.72 - ₹28.99 | -60.0% | EBITDA: ₹1696.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹155.07 | ₹124.06 - ₹186.08 | +135.4% | CF Growth: 0.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹19.76 | ₹17.78 - ₹21.74 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹19.76 | ₹17.78 - ₹21.74 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹40.52 | ₹36.47 - ₹44.57 | -38.5% | EPS: ₹1.40, BVPS: ₹52.11 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
IDFCFIRSTB Intrinsic Value Analysis
What is the intrinsic value of IDFCFIRSTB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of IDFC First Bank (IDFCFIRSTB) is ₹40.52 (median value). With the current market price of ₹65.87, this represents a -38.5% variance from our estimated fair value.
The valuation range spans from ₹19.76 to ₹155.07, indicating ₹19.76 - ₹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 38.5%.
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 |
| 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 |