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Last Updated: April 2, 2026, 3:04 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 500116 | NSE: IDBI

IDBI Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹56.91Overvalued by 15.81%vs CMP ₹67.60

P/E (7.8) × ROE (13.6%) × BV (₹64.80) × DY (3.10%)

₹88.16Undervalued by 30.41%vs CMP ₹67.60
MoS: +23.3% (Adequate)Confidence: 37/100 (Low)Models: 3 Under, 2 Fair, 2 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹73.7827%Fair (+9.1%)
Graham NumberEarnings₹112.2419%Under (+66%)
Earnings PowerEarnings₹44.7113%Over (-33.9%)
DCFCash Flow₹212.4613%Under (+214.3%)
Net Asset ValueAssets₹63.319%Fair (-6.3%)
EV/EBITDAEnterprise₹5.0011%Over (-92.6%)
Earnings YieldEarnings₹86.409%Under (+27.8%)
Consensus (7 models)₹88.16100%Undervalued
Key Drivers: EPS CAGR 29.6% lifts DCF — verify sustainability. | Wide model spread (₹5–₹212) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 29.6%

*Investments are subject to market risks

Investment Snapshot

59
IDBI Bank Ltd scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 6.8% WeakROE 13.6% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.06% (6mo) Slight increasePromoter holding at 94.7% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +29% YoY Strong
Industry Rank50/100 · Moderate
P/E 7.8 vs industry 8.7 In-lineROCE 6.8% vs industry 6.2% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:04 am

Market Cap 72,740 Cr.
Current Price 67.6
Intrinsic Value₹88.16
High / Low 118/61.0
Stock P/E7.83
Book Value 64.8
Dividend Yield3.10 %
ROCE6.78 %
ROE13.6 %
Face Value 10.0
PEG Ratio0.26

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for IDBI Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
IDBI Bank Ltd 72,740 Cr. 67.6 118/61.07.83 64.83.10 %6.78 %13.6 % 10.0
Bank of India 64,511 Cr. 142 178/1016.33 1902.86 %6.17 %12.4 % 10.0
Indian Overseas Bank 62,411 Cr. 32.4 42.8/31.213.1 18.80.00 %5.95 %11.0 % 10.0
Bank of Maharashtra 49,903 Cr. 64.9 77.0/38.17.71 43.42.31 %5.72 %22.8 % 10.0
Canara Bank 1,15,469 Cr. 127 163/83.45.72 1293.14 %6.79 %17.8 % 2.00
Industry Average144,637.54 Cr226.678.69183.822.11%6.22%14.34%7.46

All Competitor Stocks of IDBI Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue5,2305,7296,8646,0386,5496,9956,6707,4457,8196,9837,0277,1097,080
Interest 2,3042,4452,8612,9663,1023,2983,4283,5623,5833,6833,8513,8163,862
Expenses 2,5633,1673,0671,7012,4442,5651,5532,7812,3822,4152,0911,6512,000
Financing Profit3631189361,3721,0031,1321,6881,1021,8548851,0851,6421,218
Financing Margin %7%2%14%23%15%16%25%15%24%13%15%23%17%
Other Income 9231,4049071,0251,0319618571,3688102,1071,4722,1551,271
Depreciation 0000000000000
Profit before tax 1,2861,5211,8432,3972,0342,0932,5462,4702,6642,9912,5573,7972,489
Tax % 27%21%33%42%27%21%32%25%28%31%21%15%21%
Net Profit 9501,2231,2341,3931,5151,6721,7391,8691,9542,0942,0243,2411,959
EPS in Rs 0.881.131.141.291.401.551.611.731.811.941.883.001.82
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 3:06 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 11:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue26,60828,16428,05827,80523,04622,10220,85419,95618,31620,59226,44628,91728,199
Interest 20,55822,38721,93122,01917,37616,16213,84111,4089,1229,13012,22614,25715,213
Expenses 7,2268,42414,33918,13020,69824,11820,14610,5159,97510,2329,2338,5948,156
Financing Profit-1,176-2,647-8,212-12,344-15,028-18,178-13,133-1,967-7811,2294,9866,0674,829
Financing Margin %-4%-9%-29%-44%-65%-82%-63%-10%-4%6%19%21%17%
Other Income 3,1124,1893,5184,2077,2483,5354,6314,8484,9594,6173,9755,2097,005
Depreciation 1171412183623773703943974174995435380
Profit before tax 1,8191,401-4,912-8,498-8,157-15,013-8,8962,4843,7605,3468,41810,73811,834
Tax % 36%32%-26%-40%0%0%44%42%32%30%31%29%
Net Profit 1,166957-3,574-4,997-8,116-14,970-12,8191,5322,5573,7285,8147,6569,318
EPS in Rs 7.185.87-17.44-24.36-26.37-19.37-12.361.412.363.455.387.108.64
Dividend Payout % 14%13%0%0%0%0%0%0%0%29%28%30%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-17.92%-473.46%-39.82%-62.42%-84.45%14.37%111.95%66.91%45.80%55.95%31.68%
Change in YoY Net Profit Growth (%)0.00%-455.53%433.64%-22.60%-22.03%98.82%97.58%-45.05%-21.11%10.16%-24.27%

IDBI Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:0%
5 Years:7%
3 Years:16%
TTM:12%
Compounded Profit Growth
10 Years:23%
5 Years:21%
3 Years:44%
TTM:26%
Stock Price CAGR
10 Years:5%
5 Years:18%
3 Years:27%
1 Year:-4%
Return on Equity
10 Years:-7%
5 Years:9%
3 Years:11%
Last Year:14%

Last Updated: September 5, 2025, 6:45 am

Balance Sheet

Last Updated: December 4, 2025, 1:24 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,6041,6042,0592,0593,0847,73610,38110,75210,75210,75210,75210,75210,752
Reserves 22,02822,77126,00021,20418,82430,61024,45526,87631,81935,56740,32150,86857,370
Deposits250,139275,518265,087268,216247,777227,190222,214230,707232,850255,313277,366309,975303,212
Borrowing45,58045,83870,59256,36463,18645,28836,74915,90814,34512,63817,08319,93224,301
Other Liabilities 9,59910,31411,53714,64618,03910,2876,90114,41012,77317,22719,13821,43521,095
Total Liabilities 328,950356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659412,962416,730
Fixed Assets 2,9783,0267,0416,8936,3507,8427,7197,4029,5879,3039,43512,12012,033
CWIP 2254481541502468488471400477108800
Investments 103,41997,34792,81093,07591,84893,32881,99681,47183,475100,409115,719118,453123,246
Other Assets 222,531255,617274,943261,980252,208219,474210,496209,309209,078221,309239,398282,309281,451
Total Assets 328,950356,044375,275362,488350,909321,111300,699298,653302,540331,498364,659412,962416,730

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -1,998-1,991-5678,000-12,514-34,21520810,2145,068-2,701-1,25225,796
Cash from Investing Activity + -223-272-715-464720116-296-59-192-283-217-338
Cash from Financing Activity + 1,110-612,9271,88912,84321,6229,279-5,342-4,383-3,569-1,768-6,990
Net Cash Flow -1,111-2,3231,6459,4241,049-12,4779,1914,813492-6,554-3,23718,467
Free Cash Flow -2,221-2,262-1,2827,536-11,794-34,099-8710,1554,873-2,996-1,47425,452
CFO/OP -2%-10%-4%83%-533%1,697%29%108%61%-26%-5%118%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-243.00-267.00-251.00-250.00-227.00-203.00-202.00-220.00-223.00-245.00-268.00-301.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 5%4%-14%-20%-38%-50%-35%4%6%8%12%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%94.72%
FIIs 0.22%0.30%0.40%0.32%0.45%0.46%0.46%0.42%0.46%0.54%0.47%0.52%
DIIs 0.16%0.16%0.24%0.15%0.15%0.16%0.17%0.18%0.18%0.15%0.11%0.12%
Government 0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public 4.90%4.84%4.62%4.80%4.67%4.65%4.64%4.69%4.63%4.59%4.68%4.65%
No. of Shareholders 5,98,4155,82,1606,08,4906,36,6996,72,4346,82,0997,15,3617,23,5197,21,4236,92,5236,99,1026,87,895

Shareholding Pattern Chart

No. of Shareholders

IDBI Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
ITI Mid Cap Fund 1,861,948 1.42 18.54N/AN/AN/A
Baroda BNP Paribas Value Fund 1,350,000 1.2 13.441,400,0002026-02-23 06:56:49-3.57%
ITI Value Fund 587,621 1.71 5.85N/AN/AN/A
Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund 18,679 0.07 0.1918,3162026-02-23 06:56:491.98%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 7.105.383.452.361.44
Diluted EPS (Rs.) 7.105.383.452.361.44
Cash EPS (Rs.) 7.565.873.892.731.72
Book Value[Excl.RevalReserv]/Share (Rs.) 47.5340.1235.4531.7229.15
Book Value[Incl.RevalReserv]/Share (Rs.) 57.3147.5043.0839.5934.99
Operating Revenue / Share (Rs.)26.8924.5919.1517.0418.56
Net Profit / Share (Rs.) 7.065.363.432.341.35
Net Profit After MI / Share (Rs.)7.105.383.452.361.41
Net Profit Margin (%) 26.2421.7917.9013.747.25
Net Profit After MI And SOA Nargin (%)26.3821.8817.9913.837.58
Operating Profit Margin (%)38.3231.7622.9917.8310.81
Return On Assets (%) 1.841.581.110.830.50
Return On Equity / Networth (%)14.9313.419.727.424.82
Net Interest Margin (X)3.553.903.453.042.86
Cost To Income (%)43.5246.1345.1046.0746.10
Interest Income / Total Assets (%)7.007.256.216.056.68
Non-Interest Income / Total Assets (%)1.241.071.381.621.62
Operating Profit / Total Assets (%)0.590.50-0.26-0.79-1.13
Operating Expenses / Total Assets (%)2.082.292.182.152.06
Interest Expenses / Total Assets (%)3.453.352.753.013.81
Enterprise Value (Rs.Cr.)392137.46367465.65299717.19279620.93275052.24
EV Per Net Sales (X)13.5613.9014.5615.2613.78
Price To Book Value (X)1.632.021.271.351.32
Price To Sales (X)2.893.292.352.512.08
Retention Ratios (%) 100.00100.00100.00100.00100.00
Earnings Yield (X)0.090.060.070.050.03

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

IDBI Bank Ltd. is a Public Limited Listed company incorporated on 15/09/1994 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65190MH2004GOI148838 and registration number is 148838. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 28902.03 Cr. and Equity Capital is Rs. 10752.40 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public SectorIDBI Tower, WTC Complex, Mumbai Maharashtra 400005Contact not found
Management
NamePosition Held
Mr. T N ManoharanChairman
Mr. Rakesh SharmaManaging Director & CEO
Mr. Sumit PhakkaDeputy Managing Director
Mr. Jayakumar S PillaiDeputy Managing Director
Mr. Ajay Prakash SawhneyIndependent Director
Mrs. P V BharathiIndependent Director
Mr. Deepak SinghalIndependent Director
Mr. Sanjay Gokuldas KallapurIndependent Director
Mr. Bhuwanchandra B JoshiIndependent Director
Mr. Samaresh ParidaIndependent Director
Mr. N JambunathanIndependent Director
Mr. Manoj SahayGovernment Nominee Director
Mr. Sushil Kumar SinghGovernment Nominee Director
Mr. Raj KumarNominee Director
Mr. Sat Pal BhanooNominee Director

FAQ

What is the intrinsic value of IDBI Bank Ltd and is it undervalued?

As of 15 April 2026, IDBI Bank Ltd's intrinsic value is ₹88.16, which is 30.41% higher than the current market price of ₹67.60, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (13.6 %), book value (₹64.8), dividend yield (3.10 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of IDBI Bank Ltd?

IDBI Bank Ltd is trading at ₹67.60 as of 15 April 2026, with a FY2026-2027 high of ₹118 and low of ₹61.0. The stock is currently near its 52-week low. Market cap stands at ₹72,740 Cr..

How does IDBI Bank Ltd's P/E ratio compare to its industry?

IDBI Bank Ltd has a P/E ratio of 7.83, which is below the industry average of 8.69. This is broadly in line with or below the industry average.

Is IDBI Bank Ltd financially healthy?

Key indicators for IDBI Bank Ltd: ROCE of 6.78 % is on the lower side compared to the industry average of 6.22%. Dividend yield is 3.10 %.

Is IDBI Bank Ltd profitable and how is the profit trend?

IDBI Bank Ltd reported a net profit of ₹7,656 Cr in Mar 2025 on revenue of ₹28,917 Cr. Compared to ₹2,557 Cr in Mar 2022, the net profit shows an improving trend.

Does IDBI Bank Ltd pay dividends?

IDBI Bank Ltd has a dividend yield of 3.10 % at the current price of ₹67.60. This is a relatively attractive yield for income-seeking investors.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IDBI Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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