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 36 analysts
Fundamentals
Fundamentals institutional score is 69 using growth durability 69.2.
Valuation
Valuation institutional score is 61 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 21 using mean target upside -1.7%; dispersion penalty 25.2; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 96 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 9 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and technical structure provide support, while analyst consensus 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 1.4% above historical median. Valuation is stable — currently in the undervalued zone (z-score: -0.33). Confidence: 73%.
Live forward EPS implies next-12-month EPS of ₹78.58. Applying the stock's normalized valuation corridor produces a fair range of ₹3,927.43 to ₹6,636.08, with base value near ₹4,613.43 (+357.3% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹78.58
Forward P/E
12.8x
Base Fair Value
₹4,613.43
Fair Range
₹3,927.43 - ₹6,636.08
Upside To Base
+357.3%
Estimate Source
Live forward EPS
Growth Estimate
+71.7%
5Y Average
1.03
Current
1.20
Overvalued
1.19
Undervalued
0.88
5Y Average
63.80
Current
59.52
Overvalued
84.45
Undervalued
49.98
5Y Average
4.87
Current
4.55
Overvalued
6.12
Undervalued
4.00
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% | 19.3x Fair | +14% vs avg | +0.4% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.5x Undervalued | -44% vs avg | -6.1% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.9x Fair | +12% vs avg | +82.9% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.0x Fair | +12% vs avg | +21.5% |
AXIS BANK LIMITED AXISBANKPrivate Banks | +14.0% | 36.0% | 13.8x Undervalued | -18% vs avg | +16.6% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 32.5x Premium | +92% vs avg | +23.2% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.1x Fair | -11% vs avg | +38.3% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.5x Undervalued | -56% vs avg | +48.1% |
INDUSIND BANK LIMITED trades at a premium (59.5x vs peer avg 16.9x), implying higher growth or quality expectations from the Private Banks cohort. Peers include KOTAK MAHINDRA BANK LTD, IDBI BANK LIMITED, FEDERAL BANK LTD — 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
₹11.31K CrJun 2026Latest net profit
₹1.00K CrJun 2026Free cash flow
₹426 CrMar 2026Net Profit
₹1.00K 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 + | 10,730 | 11,248 | 11,572 | 12,199 | 12,547 | 12,686 | 12,801 | 10,634 | 12,264 | 11,609 | 11,373 | 11,005 | 11,310 |
| Interest | 5,863 | 6,171 | 6,277 | 6,822 | 7,139 | 7,339 | 7,573 | 7,586 | 7,624 | 7,199 | 6,811 | 6,634 | 6,625 |
| Expenses + | 4,238 | 4,451 | 4,623 | 4,749 | 4,972 | 5,759 | 5,723 | 6,646 | 5,882 | 6,652 | 6,050 | 5,347 | 5,127 |
| Financing Profit | 629 | 625 | 672 | 628 | 436 | -412 | -495 | -3,598 | -1,242 | -2,242 | -1,488 | -975 | -442 |
| Financing Margin % | 6% | 6% | 6% | 5% | 3% | -3% | -4% | -34% | -10% | -19% | -13% | -9% | -4% |
| Other Income + | 2,210 | 2,282 | 2,396 | 2,500 | 2,441 | 2,184 | 2,350 | 709 | 2,156 | 1,648 | 1,707 | 1,706 | 1,785 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,838 | 2,907 | 3,068 | 3,128 | 2,877 | 1,772 | 1,855 | -2,889 | 914 | -594 | 218 | 731 | 1,343 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 24% | -23% | 25% | -25% | 26% | 27% | 25% |
| Net Profit + | 2,124 | 2,181 | 2,298 | 2,347 | 2,152 | 1,325 | 1,401 | -2,236 | 684 | -445 | 161 | 533 | 1,002 |
| EPS in Rs | 27.37 | 28.07 | 29.55 | 30.15 | 27.64 | 17.01 | 17.99 | -28.70 | 8.78 | -5.71 | 2.07 | 6.84 | 12.87 |
| Gross NPA % | 1.94% | 1.93% | 1.92% | 1.92% | 2.02% | 2.11% | 2.25% | 3.13% | 3.64% | 3.60% | 3.56% | 3.43% | 3.25% |
| Net NPA % | 0.58% | 0.57% | 0.57% | 0.57% | 0.60% | 0.64% | 0.68% | 0.95% | 1.12% | 1.04% | 1.04% | 1.00% | 0.95% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS