Indian Bank Intrinsic Value
INDIANB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1107.36 | ₹885.89 - ₹1328.83 | +33.7% | EPS: ₹92.28, Sector P/E: 12x |
| Book Value Method | asset | ₹424.91 | ₹382.42 - ₹467.40 | -48.7% | Book Value/Share: ₹531.14, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹572.26 | ₹515.03 - ₹629.49 | -30.9% | Revenue/Share: ₹572.26, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹331.20 | ₹298.08 - ₹364.32 | -60.0% | EBITDA: ₹16492.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1022.67 | ₹818.14 - ₹1227.20 | +23.5% | CF Growth: 1.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹590.59 | ₹531.53 - ₹649.65 | -28.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹760.39 | ₹684.35 - ₹836.43 | -8.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1292.53 | ₹1163.28 - ₹1421.78 | +56.1% | ROE: 17.4%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1050.15 | ₹945.14 - ₹1155.17 | +26.8% | EPS: ₹92.28, BVPS: ₹531.14 |
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Valuation Comparison Chart
INDIANB Intrinsic Value Analysis
What is the intrinsic value of INDIANB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Indian Bank (INDIANB) is ₹760.39 (median value). With the current market price of ₹828.00, this represents a -8.2% variance from our estimated fair value.
The valuation range spans from ₹331.20 to ₹1292.53, indicating ₹331.20 - ₹1292.53.
Is INDIANB undervalued or overvalued?
Based on our multi-method analysis, Indian Bank (INDIANB) appears to be trading near calculated value by approximately 8.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 12.26 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 17.4% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Indian Bank
Additional stock information and data for INDIANB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹17,396 Cr | ₹17,222 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-8,617 Cr | ₹-8,926 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-27,894 Cr | ₹-28,051 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹28,750 Cr | ₹28,598 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹17,065 Cr | ₹17,065 Cr | Positive Free Cash Flow | 8/10 |