Indian Bank Intrinsic Value
Indian Bank (INDIANB) median intrinsic value is ₹776.54 from 10 valuation models (range ₹456–₹1320), vs current price ₹826.10 — -6.0% downside (Trading Near Calculated Value), margin of safety -6.4%. Analyse Indian Bank shareholding analysis to track promoter, FII and institutional holdings.
INDIANB Valuation Methods Summary — DCF, Graham Number & P/E
Indian Bank intrinsic value across 10 models vs current price ₹826.10 — 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 | +36.9% | EPS: ₹94.24, Sector P/E: 12x |
| Book Value Method | asset | ₹475.59 | ₹428.03 - ₹523.15 | -42.4% | Book Value/Share: ₹594.49, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹601.66 | ₹541.49 - ₹661.83 | -27.2% | Revenue/Share: ₹601.66, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹605.49 | ₹544.94 - ₹666.04 | -26.7% | EBITDA: ₹16312.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1296.84 | ₹1037.47 - ₹1556.21 | +57.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹603.14 | ₹542.83 - ₹663.45 | -27.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹776.54 | ₹698.89 - ₹854.19 | -6.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1319.55 | ₹1187.60 - ₹1451.51 | +59.7% | ROE: 15.9%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1122.75 | ₹1010.48 - ₹1235.03 | +35.9% | EPS: ₹94.24, BVPS: ₹594.49 |
| Dividend Yield Method | dividend | ₹456.25 | ₹410.62 - ₹501.88 | -44.8% | DPS: ₹18.25, Target Yield: 4.0% |
INDIANB Intrinsic Value vs Market Price — All Valuation Models
Indian Bank fair value range ₹456–₹1320 vs current market price ₹826.10 across 10 valuation models. Read INDIANB ex-dividend dates for the complete payout history and dividend yield track record.
INDIANB Intrinsic Value Analysis — Undervalued or Overvalued?
Indian Bank median intrinsic value ₹776.54, current price ₹826.10 — Trading Near Calculated Value by 6.0%, margin of safety -6.4%.
What is the intrinsic value of INDIANB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Indian Bank (INDIANB) is ₹776.54 (median value). With the current market price of ₹826.10, this represents a -6.0% variance from our estimated fair value.
The valuation range spans from ₹456.25 to ₹1319.55, indicating ₹456.25 - ₹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 6.0%.
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 | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 15.9% | 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 | 0.08x | 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 2026 | ₹18,816 Cr | ₹18,602 Cr | Positive Free Cash Flow | 8/10 |
| 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 |