AI Summary
✦ ClarthaValuation Metrics
Trading 50.3% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +2.04). Confidence: 81%.
Live forward EPS implies next-12-month EPS of ₹34.30. Applying the stock's normalized valuation corridor produces a fair range of ₹165.67 to ₹230.50, with base value near ₹180.07 (-3.9% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹34.30
Forward P/E
5.5x
Base Fair Value
₹180.07
Fair Range
₹165.67 - ₹230.50
Upside To Base
-3.9%
Estimate Source
Live forward EPS
Growth Estimate
+32.4%
5Y Average
0.88
Current
0.92
Overvalued
1.01
Undervalued
0.75
5Y Average
5.02
Current
7.89
Overvalued
6.72
Undervalued
4.83
5Y Average
1.27
Current
1.94
Overvalued
1.46
Undervalued
1.08
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
THE SOUTH INDIAN BANK LTD SOUTHBANKPrivate Banks | +8.6% | 29.4% | 8.0x Undervalued | -31% vs avg | +59.9% |
KARNATAKA BANK LIMITED KTKBANKPrivate Banks | +26.1% | 41.5% | 8.0x Undervalued | -31% vs avg | +80.0% |
CSB BANK LIMITED CSBBANKPrivate Banks | +16.9% | 24.1% | 8.5x Undervalued | -27% vs avg | -26.8% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.4x Undervalued | -36% vs avg | +52.4% |
TAMILNAD MERCA BANK LTD TMBPrivate Banks | +18.3% | 41.2% | 9.8x Undervalued | -16% vs avg | +104.3% |
JANA SMALL FIN BANK LTD JSFBPrivate Banks | +25.1% | 12.9% | 15.0x Premium | +29% vs avg | +19.2% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.3x Premium | +32% vs avg | +35.2% |
BANDHAN BANK LIMITED BANDHANBNKPrivate Banks | +21.6% | 13.6% | 20.6x Premium | +78% vs avg | +6.0% |
DCB BANK LIMITED trades at a discount (7.7x vs peer avg 11.6x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include THE SOUTH INDIAN BANK LTD, KARNATAKA BANK LIMITED, CSB BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Financial chart data is not available for this company right now.
Results
Income statement data not available.
All values in ₹ Crores unless otherwise stated. Source: Company filings.