Indbank Merchant Banking Intrinsic Value
INDBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹16.80 | ₹13.44 - ₹20.16 | -54.4% | EPS: ₹1.40, Sector P/E: 12x |
| Book Value Method | asset | ₹20.91 | ₹18.82 - ₹23.00 | -43.3% | Book Value/Share: ₹20.91, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹11.06 | ₹9.95 - ₹12.17 | -70.0% | Revenue/Share: ₹5.45, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹14.75 | ₹13.28 - ₹16.23 | -60.0% | EBITDA: ₹9.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹14.75 | ₹11.80 - ₹17.70 | -60.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹11.06 | ₹9.95 - ₹12.17 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹11.20 | ₹10.08 - ₹12.32 | -69.6% | Revenue Growth: -1.0%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹18.44 | ₹16.60 - ₹20.28 | -50.0% | ROE: 6.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹25.66 | ₹23.09 - ₹28.23 | -30.4% | EPS: ₹1.40, BVPS: ₹20.91 |
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Valuation Comparison Chart
INDBANK Intrinsic Value Analysis
What is the intrinsic value of INDBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Indbank Merchant Banking (INDBANK) is ₹14.75 (median value). With the current market price of ₹36.88, this represents a -60.0% variance from our estimated fair value.
The valuation range spans from ₹11.06 to ₹25.66, indicating ₹11.06 - ₹25.66.
Is INDBANK undervalued or overvalued?
Based on our multi-method analysis, Indbank Merchant Banking (INDBANK) appears to be trading above calculated value by approximately 60.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.28 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 38.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Indbank Merchant Banking
Additional stock information and data for INDBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-5 Cr | ₹-6 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |
| March 2021 | ₹8 Cr | ₹4 Cr | Positive Free Cash Flow | 7/10 |