Indbank Merchant Banking Intrinsic Value
Indbank Merchant Banking (INDBANK) median intrinsic value is ₹15.91 from 9 valuation models (range ₹8–₹29), vs current price ₹25.56 — -37.8% downside (Trading Above Calculated Value), margin of safety -60.7%. For current market price and key ratios, visit Indbank Merchant Banking share price chart.
INDBANK Valuation Methods Summary — DCF, Graham Number & P/E
Indbank Merchant Banking intrinsic value across 9 models vs current price ₹25.56 — upside/downside and value range per method. See Indbank Merchant Banking P/B valuation to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹20.40 | ₹16.32 - ₹24.48 | -20.2% | EPS: ₹1.70, Sector P/E: 12x |
| Book Value Method | asset | ₹22.50 | ₹20.25 - ₹24.75 | -12.0% | Book Value/Share: ₹22.50, P/B: 1.0x |
| Revenue Multiple Method | revenue | ₹7.67 | ₹6.90 - ₹8.44 | -70.0% | Revenue/Share: ₹5.91, P/S: 0.8x |
| EBITDA Multiple Method | earnings | ₹15.00 | ₹13.50 - ₹16.50 | -41.3% | EBITDA: ₹11.00Cr, EV/EBITDA: 6x |
| Simple DCF (5Y) | dcf | ₹10.22 | ₹8.18 - ₹12.26 | -60.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹27.20 | ₹24.48 - ₹29.92 | +6.4% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹14.25 | ₹12.83 - ₹15.68 | -44.2% | Revenue Growth: 9.6%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹15.91 | ₹14.32 - ₹17.50 | -37.8% | ROE: 7.1%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹29.34 | ₹26.41 - ₹32.27 | +14.8% | EPS: ₹1.70, BVPS: ₹22.50 |
INDBANK Intrinsic Value vs Market Price — All Valuation Models
Indbank Merchant Banking fair value range ₹8–₹29 vs current market price ₹25.56 across 9 valuation models. Check Indbank Merchant Banking marketcap in USD to track the company's total market size over time.
INDBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Indbank Merchant Banking median intrinsic value ₹15.91, current price ₹25.56 — Trading Above Calculated Value by 37.8%, margin of safety -60.7%.
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 ₹15.91 (median value). With the current market price of ₹25.56, this represents a -37.8% variance from our estimated fair value.
The valuation range spans from ₹7.67 to ₹29.34, indicating ₹7.67 - ₹29.34.
Is INDBANK undervalued or overvalued?
Based on our multi-method analysis, Indbank Merchant Banking (INDBANK) appears to be trading above calculated value by approximately 37.8%.
INDBANK Financial Health — Key Ratios vs Industry Benchmarks
Indbank Merchant Banking 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 |
|---|---|---|---|---|
| Return on Equity | 7.1% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 40.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.21x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
INDBANK Cash Flow Quality — Operating & Free Cash Flow
Indbank Merchant Banking 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 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |
| 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 |