Indusind Bank Intrinsic Value
Indusind Bank (INDUSINDBK) median intrinsic value is ₹653.09 from 8 valuation models (range ₹299–₹2178), vs current price ₹996.05 — -34.4% downside (Trading Above Calculated Value), margin of safety -52.5%. Read Indusind Bank dividend payments for the complete payout history and dividend yield track record.
INDUSINDBK Valuation Methods Summary — DCF, Graham Number & P/E
Indusind Bank intrinsic value across 8 models vs current price ₹996.05 — upside/downside and value range per method. Analyse Indusind Bank shareholding analysis to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹366.24 | ₹292.99 - ₹439.49 | -63.2% | EPS: ₹30.52, Sector P/E: 12x |
| Book Value Method | asset | ₹665.84 | ₹599.26 - ₹732.42 | -33.2% | Book Value/Share: ₹832.30, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹653.09 | ₹587.78 - ₹718.40 | -34.4% | Revenue/Share: ₹653.09, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹398.42 | ₹358.58 - ₹438.26 | -60.0% | EBITDA: ₹3252.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹2178.30 | ₹1742.64 - ₹2613.96 | +118.7% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹298.81 | ₹268.93 - ₹328.69 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹298.81 | ₹268.93 - ₹328.69 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹756.00 | ₹680.40 - ₹831.60 | -24.1% | EPS: ₹30.52, BVPS: ₹832.30 |
INDUSINDBK Intrinsic Value vs Market Price — All Valuation Models
Indusind Bank fair value range ₹299–₹2178 vs current market price ₹996.05 across 8 valuation models. For current market price and key ratios, visit INDUSINDBK share price.
INDUSINDBK Intrinsic Value Analysis — Undervalued or Overvalued?
Indusind Bank median intrinsic value ₹653.09, current price ₹996.05 — Trading Above Calculated Value by 34.4%, margin of safety -52.5%.
What is the intrinsic value of INDUSINDBK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Indusind Bank (INDUSINDBK) is ₹653.09 (median value). With the current market price of ₹996.05, this represents a -34.4% variance from our estimated fair value.
The valuation range spans from ₹298.81 to ₹2178.30, indicating ₹298.81 - ₹2178.30.
Is INDUSINDBK undervalued or overvalued?
Based on our multi-method analysis, Indusind Bank (INDUSINDBK) appears to be trading above calculated value by approximately 34.4%.
INDUSINDBK Financial Health — Key Ratios vs Industry Benchmarks
Indusind 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 | 0.17 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 3.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 52.0% | 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 |
INDUSINDBK Cash Flow Quality — Operating & Free Cash Flow
Indusind 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 | ₹18,278 Cr | ₹17,936 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-16,925 Cr | ₹-17,277 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-12,442 Cr | ₹-12,683 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹16,672 Cr | ₹16,475 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹44,976 Cr | ₹44,814 Cr | Positive Free Cash Flow | 8/10 |