Indian Bank Intrinsic Value
Indian Bank (INDIANB) median intrinsic value is ₹776.54 from 9 valuation models (range ₹425–₹1320), vs current price ₹833.35 — -6.8% downside (Trading Near Calculated Value), margin of safety -7.3%. Also explore INDIANB price movement history to track price trends across different timeframes.
INDIANB Valuation Methods Summary — DCF, Graham Number & P/E
Indian Bank intrinsic value across 9 models vs current price ₹833.35 — upside/downside and value range per method. For current market price and key ratios, visit INDIANB stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1130.88 | ₹904.70 - ₹1357.06 | +35.7% | EPS: ₹94.24, Sector P/E: 12x |
| Book Value Method | asset | ₹424.91 | ₹382.42 - ₹467.40 | -49.0% | Book Value/Share: ₹531.14, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹601.66 | ₹541.49 - ₹661.83 | -27.8% | Revenue/Share: ₹601.66, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹605.49 | ₹544.94 - ₹666.04 | -27.3% | EBITDA: ₹16312.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1022.67 | ₹818.14 - ₹1227.20 | +22.7% | CF Growth: 1.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹603.14 | ₹542.83 - ₹663.45 | -27.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹776.54 | ₹698.89 - ₹854.19 | -6.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1319.55 | ₹1187.60 - ₹1451.51 | +58.3% | ROE: 17.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1061.24 | ₹955.12 - ₹1167.36 | +27.3% | EPS: ₹94.24, BVPS: ₹531.14 |
INDIANB Intrinsic Value vs Market Price — All Valuation Models
Indian Bank fair value range ₹425–₹1320 vs current market price ₹833.35 across 9 valuation models. Browse Indian Bank financial data for revenue, profit, balance sheet and cash flow data.
INDIANB Intrinsic Value Analysis — Undervalued or Overvalued?
Indian Bank median intrinsic value ₹776.54, current price ₹833.35 — Trading Near Calculated Value by 6.8%, margin of safety -7.3%.
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 ₹776.54 (median value). With the current market price of ₹833.35, this represents a -6.8% variance from our estimated fair value.
The valuation range spans from ₹424.91 to ₹1319.55, indicating ₹424.91 - ₹1319.55.
Is INDIANB undervalued or overvalued?
Based on our multi-method analysis, Indian Bank (INDIANB) appears to be trading near calculated value by approximately 6.8%.
INDIANB Financial Health — Key Ratios vs Industry Benchmarks
Indian 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 | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 17.7% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 67.0% | 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 |
INDIANB Cash Flow Quality — Operating & Free Cash Flow
Indian 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 | ₹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 |