South Indian Bank Intrinsic Value
SOUTHBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹64.32 | ₹51.46 - ₹77.18 | +58.4% | EPS: ₹5.36, Sector P/E: 12x |
| Book Value Method | asset | ₹101.50 | ₹91.35 - ₹111.65 | +150.0% | Book Value/Share: ₹385.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹81.20 | ₹73.08 - ₹89.32 | +100.0% | Revenue/Share: ₹446.26, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹81.20 | ₹73.08 - ₹89.32 | +100.0% | EBITDA: ₹1892.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹101.50 | ₹81.20 - ₹121.80 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹34.30 | ₹30.87 - ₹37.73 | -15.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹44.17 | ₹39.75 - ₹48.59 | +8.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹81.20 | ₹73.08 - ₹89.32 | +100.0% | ROE: 13.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹121.80 | ₹109.62 - ₹133.98 | +200.0% | EPS: ₹5.36, BVPS: ₹385.80 |
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Valuation Comparison Chart
SOUTHBANK Intrinsic Value Analysis
What is the intrinsic value of SOUTHBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of South Indian Bank (SOUTHBANK) is ₹81.20 (median value). With the current market price of ₹40.60, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹34.30 to ₹121.80, indicating ₹34.30 - ₹121.80.
Is SOUTHBANK undervalued or overvalued?
Based on our multi-method analysis, South Indian Bank (SOUTHBANK) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.13 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 65.0% | 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 South Indian Bank
Additional stock information and data for SOUTHBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-2,353 Cr | ₹-2,353 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹7,075 Cr | ₹6,082 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-7,261 Cr | ₹-7,454 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹5,165 Cr | ₹4,295 Cr | Positive Free Cash Flow | 8/10 |