AI Summary
✦ ClarthaIDBI Bank is an Indian bank serving retail and corporate customers through Corporate/Wholesale Banking, Retail Banking, Treasury Operations, and Other banking operations. Retail accounts, deposits, loans, cards, and digital banking drive consumer revenue, while corporate lending and exporter finance support wholesale income. Treasury Operations add investment and market-linked earnings. Recent government divestment uncertainty may affect ownership and strategic direction, but does not yet indicate a specific operating margin impact. Profit growth of 20.7% exceeds 4.7% revenue growth, while stable margins and 13.9% ROE indicate improving earnings conversion. Debt-to-equity is not meaningful for banks, so leverage impact on ROE cannot be assessed using that metric. At 9.7x earnings, valuation appears discounted versus the bank’s profit growth, supporting a Fair-to-Discounted view. The key open question is whether divestment uncertainty limits strategic execution and investor confidence.
Price Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 61 using EVA spread proxy 1.9%; growth durability 59.6.
Valuation
Valuation institutional score is 39 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
No usable analyst target or recommendation data was available.
Technical Structure
Technicals institutional score is 95 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 10 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. technical structure provide support, while valuation and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 2.0% above historical median. Valuation is stable — currently in the undervalued zone (z-score: +0.11). Confidence: 85%.
Live forward EPS implies next-12-month EPS of ₹4.90. Applying the stock's normalized valuation corridor produces a fair range of ₹42.24 to ₹52.19, with base value near ₹46.65 (-43.8% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹4.90
Forward P/E
16.9x
Base Fair Value
₹46.65
Fair Range
₹42.24 - ₹52.19
Upside To Base
-43.8%
Estimate Source
Live forward EPS
5Y Average
1.47
Current
1.26
Overvalued
1.69
Undervalued
1.25
5Y Average
7.87
Current
9.71
Overvalued
10.65
Undervalued
8.62
5Y Average
3.83
Current
4.65
Overvalued
4.69
Undervalued
2.67
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
KOTAK MAHINDRA BANK LTD KOTAKBANKPrivate Banks | +21.0% | 28.5% | 19.2x Undervalued | -23% vs avg | +0.4% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.9x Undervalued | -24% vs avg | +82.2% |
AXIS BANK LIMITED AXISBANKPrivate Banks | +14.0% | 36.0% | 14.0x Undervalued | -44% vs avg | +16.6% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.0x Undervalued | -24% vs avg | +21.5% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 32.7x Premium | +31% vs avg | +23.2% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.0x Undervalued | -40% vs avg | +38.3% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 60.5x Premium | +142% vs avg | +30.5% |
BANDHAN BANK LIMITED BANDHANBNKPrivate Banks | +21.6% | 13.6% | 21.0x Undervalued | -16% vs avg | +3.6% |
IDBI BANK LIMITED trades at a discount (9.5x vs peer avg 25.0x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include KOTAK MAHINDRA BANK LTD, FEDERAL BANK LTD, AXIS BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹7.54K CrJun 2026Latest net profit
₹2.12K CrJun 2026Free cash flow
₹16.43K CrMar 2026Net Profit
₹2.12K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 6,860 | 6,035 | 6,541 | 6,990 | 6,666 | 7,442 | 7,816 | 6,979 | 7,021 | 7,104 | 7,074 | 7,798 | 7,541 |
| Interest | 2,862 | 2,968 | 3,106 | 3,303 | 3,433 | 3,566 | 3,587 | 3,689 | 3,855 | 3,819 | 3,864 | 3,947 | 4,055 |
| Expenses + | 3,021 | 1,657 | 2,401 | 2,523 | 1,519 | 2,737 | 2,341 | 2,385 | 2,069 | 1,599 | 1,959 | 2,704 | 1,713 |
| Financing Profit | 976 | 1,410 | 1,033 | 1,165 | 1,714 | 1,138 | 1,887 | 905 | 1,096 | 1,686 | 1,250 | 1,147 | 1,773 |
| Financing Margin % | 14% | 23% | 16% | 17% | 26% | 15% | 24% | 13% | 16% | 24% | 18% | 15% | 24% |
| Other Income + | 852 | 889 | 973 | 896 | 805 | 1,313 | 749 | 2,057 | 1,437 | 2,489 | 1,209 | 1,611 | 1,032 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,828 | 2,299 | 2,007 | 2,061 | 2,519 | 2,451 | 2,636 | 2,962 | 2,534 | 4,175 | 2,459 | 2,758 | 2,805 |
| Tax % | 33% | 42% | 27% | 21% | 32% | 25% | 28% | 31% | 21% | 13% | 21% | 30% | 25% |
| Net Profit + | 1,224 | 1,323 | 1,458 | 1,628 | 1,719 | 1,836 | 1,908 | 2,051 | 2,007 | 3,627 | 1,935 | 1,943 | 2,115 |
| EPS in Rs | 1.14 | 1.23 | 1.36 | 1.51 | 1.60 | 1.71 | 1.77 | 1.91 | 1.87 | 3.37 | 1.80 | 1.81 | 1.97 |
| Gross NPA % | 5.05% | 4.90% | 4.69% | 4.53% | 3.87% | 3.68% | 3.57% | 2.98% | 2.93% | 2.65% | 2.57% | 2.32% | 2.30% |
| Net NPA % | 0.44% | 0.39% | 0.34% | 0.34% | 0.23% | 0.20% | 0.18% | 0.15% | 0.21% | 0.21% | 0.18% | 0.15% | 0.16% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).