AI Summary
✦ ClarthaPrice 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
From 16 analysts
Fundamentals
Fundamentals institutional score is 72 using EVA spread proxy 4.2%; growth durability 66.0.
Valuation
Valuation institutional score is 23 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 78 using mean target upside 15.7%; dispersion penalty 9.3; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 87 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 1 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus 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 66.7% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +1.72). Confidence: 72%.
Live forward EPS implies next-12-month EPS of ₹109.72. Applying the stock's normalized valuation corridor produces a fair range of ₹568.35 to ₹893.12, with base value near ₹616.63 (-30.3% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹109.72
Forward P/E
8.1x
Base Fair Value
₹616.63
Fair Range
₹568.35 - ₹893.12
Upside To Base
-30.3%
Estimate Source
Live forward EPS
Growth Estimate
+47.5%
5Y Average
1.37
Current
1.42
Overvalued
1.58
Undervalued
1.17
5Y Average
4.79
Current
9.37
Overvalued
8.14
Undervalued
5.18
5Y Average
1.75
Current
3.39
Overvalued
2.01
Undervalued
1.48
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -13% vs avg | +33.6% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -10% vs avg | +1.9% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.6x Premium | +47% vs avg | -6.4% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | +3% vs avg | +41.7% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.1x Undervalued | -23% vs avg | +17.8% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 5.9x Undervalued | -25% vs avg | +6.5% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +48% vs avg | -7.8% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -32% vs avg | +24.2% |
INDIAN BANK trades at a premium (9.2x vs peer avg 7.9x), implying higher growth or quality expectations from the Public Banks cohort. Peers include UNION BANK OF INDIA, BANK OF BARODA, INDIAN OVERSEAS BANK — 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
₹18.09K CrJun 2026Latest net profit
₹3.27K CrJun 2026Free cash flow
₹18.37K CrMar 2026Net Profit
₹3.27K 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 + | 13,049 | 13,743 | 14,198 | 14,624 | 15,039 | 15,348 | 15,759 | 15,856 | 16,283 | 16,590 | 17,098 | 17,480 | 18,090 |
| Interest | 7,346 | 8,003 | 8,383 | 8,609 | 8,861 | 9,153 | 9,345 | 9,467 | 9,924 | 10,039 | 10,202 | 10,371 | 10,655 |
| Expenses + | 5,019 | 4,981 | 4,968 | 5,221 | 4,840 | 4,987 | 4,877 | 4,909 | 4,718 | 4,940 | 5,295 | 5,549 | 5,707 |
| Financing Profit | 684 | 759 | 846 | 795 | 1,338 | 1,207 | 1,538 | 1,481 | 1,641 | 1,611 | 1,601 | 1,560 | 1,728 |
| Financing Margin % | 5% | 6% | 6% | 5% | 9% | 8% | 10% | 9% | 10% | 10% | 9% | 9% | 10% |
| Other Income + | 1,710 | 1,993 | 1,902 | 2,263 | 1,906 | 2,422 | 2,153 | 2,743 | 2,439 | 2,487 | 2,566 | 2,500 | 2,633 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,394 | 2,752 | 2,748 | 3,057 | 3,243 | 3,629 | 3,690 | 4,224 | 4,079 | 4,098 | 4,167 | 4,060 | 4,362 |
| Tax % | 29% | 28% | 23% | 26% | 26% | 25% | 23% | 30% | 27% | 26% | 27% | 24% | 25% |
| Net Profit + | 1,709 | 1,988 | 2,119 | 2,247 | 2,403 | 2,706 | 2,852 | 2,956 | 2,973 | 3,018 | 3,061 | 3,103 | 3,273 |
| EPS in Rs | 13.72 | 15.96 | 15.73 | 16.68 | 17.84 | 20.09 | 21.18 | 21.95 | 22.07 | 22.41 | 22.73 | 23.04 | 24.30 |
| Gross NPA % | 5.47% | 4.97% | 4.47% | 3.95% | 3.77% | 3.48% | 3.26% | 3.09% | 3.01% | 2.60% | 2.23% | 1.98% | 1.86% |
| Net NPA % | 0.70% | 0.60% | 0.53% | 0.43% | 0.39% | 0.27% | 0.21% | 0.19% | 0.18% | 0.16% | 0.15% | 0.15% | 0.15% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Record Date For Payment Of Yearly Interest On Bank'S Outstanding Long Term Infrastructure Bonds (LTB) Series I (ISIN- INE562A08099) And Series II (ISIN- INE562A08107)