IDFC First Bank Intrinsic Value
IDFC First Bank (IDFCFIRSTB) median intrinsic value is ₹41.69 from 8 valuation models (range ₹24–₹155), vs current price ₹80.79 — -48.4% downside (Trading Above Calculated Value), margin of safety -93.8%. Read IDFCFIRSTB dividend history for the complete payout history and dividend yield track record.
IDFCFIRSTB Valuation Methods Summary — DCF, Graham Number & P/E
IDFC First Bank intrinsic value across 8 models vs current price ₹80.79 — upside/downside and value range per method. For current market price and key ratios, visit IDFCFIRSTB screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹24.24 | ₹19.39 - ₹29.09 | -70.0% | EPS: ₹1.52, Sector P/E: 12x |
| Book Value Method | asset | ₹41.69 | ₹37.52 - ₹45.86 | -48.4% | Book Value/Share: ₹52.11, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹66.56 | ₹59.90 - ₹73.22 | -17.6% | Revenue/Share: ₹66.56, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹32.32 | ₹29.09 - ₹35.55 | -60.0% | EBITDA: ₹804.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹155.07 | ₹124.06 - ₹186.08 | +91.9% | CF Growth: 0.7%, Discount: 15% |
| PEG Ratio Method | growth | ₹24.24 | ₹21.82 - ₹26.66 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹24.24 | ₹21.82 - ₹26.66 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹42.22 | ₹38.00 - ₹46.44 | -47.7% | EPS: ₹1.52, BVPS: ₹52.11 |
IDFCFIRSTB Intrinsic Value vs Market Price — All Valuation Models
IDFC First Bank fair value range ₹24–₹155 vs current market price ₹80.79 across 8 valuation models. Analyse IDFCFIRSTB promoter holding to track promoter, FII and institutional holdings.
IDFCFIRSTB Intrinsic Value Analysis — Undervalued or Overvalued?
IDFC First Bank median intrinsic value ₹41.69, current price ₹80.79 — Trading Above Calculated Value by 48.4%, margin of safety -93.8%.
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 ₹41.69 (median value). With the current market price of ₹80.79, this represents a -48.4% variance from our estimated fair value.
The valuation range spans from ₹24.24 to ₹155.07, indicating ₹24.24 - ₹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 48.4%.
IDFCFIRSTB Financial Health — Key Ratios vs Industry Benchmarks
IDFC First 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 | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 3.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 33.0% | 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 |
IDFCFIRSTB Cash Flow Quality — Operating & Free Cash Flow
IDFC First 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 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 |