South Indian Bank Intrinsic Value
South Indian Bank (SOUTHBANK) median intrinsic value is ₹82.30 from 9 valuation models (range ₹40–₹123), vs current price ₹41.15 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit South Indian Bank share price screener.
SOUTHBANK Valuation Methods Summary — DCF, Graham Number & P/E
South Indian Bank intrinsic value across 9 models vs current price ₹41.15 — upside/downside and value range per method. Also explore South Indian Bank stock price data download to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹74.88 | ₹59.90 - ₹89.86 | +82.0% | EPS: ₹6.24, Sector P/E: 12x |
| Book Value Method | asset | ₹102.88 | ₹92.59 - ₹113.17 | +150.0% | Book Value/Share: ₹385.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹82.30 | ₹74.07 - ₹90.53 | +100.0% | Revenue/Share: ₹449.62, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹82.30 | ₹74.07 - ₹90.53 | +100.0% | EBITDA: ₹2188.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹102.88 | ₹82.30 - ₹123.46 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹39.94 | ₹35.95 - ₹43.93 | -2.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹51.42 | ₹46.28 - ₹56.56 | +25.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹82.30 | ₹74.07 - ₹90.53 | +100.0% | ROE: 16.1%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹123.45 | ₹111.11 - ₹135.80 | +200.0% | EPS: ₹6.24, BVPS: ₹385.80 |
SOUTHBANK Intrinsic Value vs Market Price — All Valuation Models
South Indian Bank fair value range ₹40–₹123 vs current market price ₹41.15 across 9 valuation models. Browse SOUTHBANK cash flow statement for revenue, profit, balance sheet and cash flow data.
SOUTHBANK Intrinsic Value Analysis — Undervalued or Overvalued?
South Indian Bank median intrinsic value ₹82.30, current price ₹41.15 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹82.30 (median value). With the current market price of ₹41.15, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹39.94 to ₹123.45, indicating ₹39.94 - ₹123.45.
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%.
SOUTHBANK Financial Health — Key Ratios vs Industry Benchmarks
South 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 | 0.13 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 71.0% | 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 |
SOUTHBANK Cash Flow Quality — Operating & Free Cash Flow
South 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 | ₹-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 |