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
Analyst coverage unavailable
Fundamentals
Fundamentals institutional score is 82 using EVA spread proxy 4.5%; growth durability 89.1.
Valuation
Valuation institutional score is 53 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 94 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is skewing constructive on impact and recency. Based on 4 recent ticker-linked news items.
Signal Summary
Market intelligence remains Supportive. fundamentals and technical structure provide support, while valuation 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 15.2% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.99). Confidence: 75%.
Live forward EPS implies next-12-month EPS of ₹0.90. Applying the stock's normalized valuation corridor produces a fair range of ₹10.91 to ₹16.55, with base value near ₹12.06 (-64.4% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹0.90
Forward P/E
37.6x
Base Fair Value
₹12.06
Fair Range
₹10.91 - ₹16.55
Upside To Base
-64.4%
Estimate Source
Live forward EPS
Growth Estimate
+45.9%
5Y Average
2.03
Current
1.68
Overvalued
2.34
Undervalued
1.73
5Y Average
12.14
Current
11.37
Overvalued
18.39
Undervalued
12.12
5Y Average
4.28
Current
4.00
Overvalued
5.12
Undervalued
2.68
Peers & Comparison
Sector: Financials · Theme: Public Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
INDIAN BANK INDIANBPublic Banks | +10.3% | 36.4% | 9.3x Premium | +22% vs avg | +32.5% |
BANK OF MAHARASHTRA MAHABANKPublic Banks | +21.8% | 53.4% | 8.1x Fair | +7% vs avg | +41.7% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 6.0x Undervalued | -21% vs avg | +6.5% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -7% vs avg | +1.9% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.7x Premium | +54% vs avg | -7.8% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -29% vs avg | +24.2% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.0x Undervalued | -21% vs avg | +17.8% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -9% vs avg | +33.6% |
INDIAN OVERSEAS BANK trades at a premium (11.6x vs peer avg 7.6x), implying higher growth or quality expectations from the Public Banks cohort. Peers include INDIAN BANK, BANK OF MAHARASHTRA, PUNJAB NATIONAL 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
₹8.78K CrJun 2026Latest net profit
₹1.66K CrJun 2026Net Profit
₹1.66K 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
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 + | 5,424 | 5,821 | 6,176 | 6,629 | 6,535 | 6,851 | 7,112 | 7,634 | 7,386 | 7,849 | 8,172 | 8,489 | 8,778 |
| Interest | 3,102 | 3,475 | 3,778 | 3,866 | 4,094 | 4,313 | 4,323 | 4,511 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 |
| Expenses + | 2,618 | 2,827 | 2,581 | 4,047 | 2,736 | 3,189 | 2,849 | 3,150 | 2,713 | 2,697 | 3,430 | 3,102 | 3,989 |
| Financing Profit | -296 | -481 | -183 | -1,284 | -295 | -652 | -60 | -27 | 33 | 362 | -132 | 368 | -301 |
| Financing Margin % | -5% | -8% | -3% | -19% | -5% | -10% | -1% | -0% | 0% | 5% | -2% | 4% | -3% |
| Other Income + | 803 | 1,114 | 1,262 | 2,477 | 1,033 | 1,633 | 1,298 | 1,581 | 1,481 | 1,365 | 1,499 | 1,291 | 2,160 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 507 | 633 | 1,079 | 1,193 | 738 | 982 | 1,237 | 1,554 | 1,514 | 1,728 | 1,367 | 1,659 | 1,859 |
| Tax % | 1% | 1% | 33% | 32% | 14% | 21% | 29% | 32% | 27% | 29% | 0% | 9% | 11% |
| Net Profit + | 500 | 625 | 723 | 808 | 633 | 777 | 874 | 1,051 | 1,111 | 1,226 | 1,365 | 1,505 | 1,659 |
| EPS in Rs | 0.26 | 0.33 | 0.38 | 0.43 | 0.33 | 0.41 | 0.46 | 0.55 | 0.58 | 0.64 | 0.71 | 0.78 | 0.86 |
| Gross NPA % | 7.13% | 4.74% | 3.90% | 3.10% | 2.89% | 2.72% | 2.55% | 2.14% | 1.97% | 1.83% | 1.54% | 1.42% | 1.33% |
| Net NPA % | 1.44% | 0.68% | 0.62% | 0.57% | 0.51% | 0.47% | 0.42% | 0.37% | 0.32% | 0.28% | 0.24% | 0.21% | 0.18% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript