IDBI
FAIRLY_VALUEDIDBI Bank Limited
Banking · NSE
↑ 26.5% vs fair value
52W Low
₹61
+19.0% from low
52W High
₹118
-38.7% from high
Valuation Gauge
Current Price
₹73
Fair Value
₹99
Fair Value Analysis
₹99
Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies | CAUTION: ROCE declining (latest 7.4%) — returns on capital are falling; verify this isn't a value trap. | Growth capped at 11.5% (ROE 10.0%×1.15) — historical CAGR exceeds sustainable rate or COVID period unverifiable.
Balance Sheet Value
25% weight
P/B Multiple
35% weight
Dividend Growth Model
40% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Strong
Profitability
ROE of 14.2% is acceptable for Banking sector (benchmark: 15%)
Debt & Leverage
D/E ratio of 0.4x is well within the Banking sector norm of 8.0x — strong balance sheet
Valuation vs Peers
P/E of 8.2x trades at a 45% discount to Banking sector median (15x) — attractively valued
Cash Flow
Positive operating cash flow of ₹25,446 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of 44.4% is well above the Banking sector average of 23.2% — strong growth
Dividend
Dividend yield of 3.0% provides strong shareholder returns (benchmark: 1.5%)
Sentiment Trend — Last 30 Days
Historical Returns
Key Financials
EPS (TTM)
₹8.6
P/E Ratio
8.2x
P/B Ratio
1.1x
ROE
14.2%
ROCE
—
Debt / Equity
—
Beta
—
Div Yield
2.9%
FCF (Cr)
₹25,446 Cr
Revenue (Cr)
₹17,994 Cr
EPS Growth 5Y
44.4%
Mkt Cap (Cr)
₹75,675 Cr
52W High
₹118.4
52W Low
₹61
Book Value/Share
₹63.7
Financial History
Annual P&L data not available yet.
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Central Bank of India | ₹31.2 | ₹51.3 | +39.2% | 6.8 | 13.2% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹204.4 | +37.1% | 5.3 | 17.6% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹201.1 | +36.1% | — | — | UNDERVALUED |
IDBI Bank Limited | ₹72.6 | ₹98.8 | +26.5% | 8.1 | 14.2% | FAIRLY_VALUED |
Bank of India | ₹139.9 | ₹186.5 | +25.0% | 6.3 | 12.1% | FAIRLY_VALUED |
Bank of Maharashtra | ₹80.3 | ₹104.8 | +23.4% | 8.6 | 22.7% | FAIRLY_VALUED |
Bank of Baroda | ₹266.8 | ₹344.4 | +22.5% | 6.8 | 12.7% | FAIRLY_VALUED |
Punjab National Bank | ₹102.9 | ₹129.9 | +20.8% | 6.4 | 13.0% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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