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 73 using growth durability 72.7.
Valuation
Valuation institutional score is 76 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 71 using mean target upside 17.7%; dispersion penalty 11.9; recommendation breadth from available consensus.
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 balanced or not decisive enough to tilt the tape. Based on 5 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and valuation provide support, while 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 4.8% above historical median. Valuation is stable — currently in the fair zone (z-score: +0.39). Confidence: 92%.
Live forward EPS implies next-12-month EPS of ₹25.55. Applying the stock's normalized valuation corridor produces a fair range of ₹442.27 to ₹516.88, with base value near ₹469.86 (+19.6% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹25.55
Forward P/E
15.4x
Base Fair Value
₹469.86
Fair Range
₹442.27 - ₹516.88
Upside To Base
+19.6%
Estimate Source
Live forward EPS
Growth Estimate
+22.5%
5Y Average
2.46
Current
2.16
Overvalued
2.83
Undervalued
2.09
5Y Average
18.42
Current
19.28
Overvalued
20.23
Undervalued
17.31
5Y Average
5.24
Current
5.48
Overvalued
6.02
Undervalued
4.45
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
HDFC BANK LTD HDFCBANKPrivate Banks | +16.6% | 26.8% | 15.9x Undervalued | -30% vs avg | -25.8% |
AXIS BANK LIMITED AXISBANKPrivate Banks | +14.0% | 36.0% | 13.7x Undervalued | -39% vs avg | +16.6% |
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 18.8x Undervalued | -17% vs avg | +82.2% |
ICICI BANK LTD. ICICIBANKPrivate Banks | +11.4% | 27.5% | 18.4x Undervalued | -19% vs avg | +0.7% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.7x Undervalued | -57% vs avg | -6.1% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 59.2x Premium | +162% vs avg | +30.5% |
KOTAK MAHINDRA BANK LTD trades at a discount (19.1x vs peer avg 22.6x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include HDFC BANK LTD, AXIS 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
₹14.48K CrJun 2026Latest net profit
₹4.12K CrJun 2026Free cash flow
₹36.40K CrMar 2026Net Profit
₹4.12K 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 + | 10,500 | 11,193 | 11,799 | 12,307 | 12,746 | 13,216 | 13,428 | 13,530 | 13,837 | 13,649 | 13,903 | 14,175 | 14,477 |
| Interest | 4,266 | 4,896 | 5,246 | 5,398 | 5,904 | 6,197 | 6,231 | 6,246 | 6,577 | 6,339 | 6,339 | 6,299 | 6,549 |
| Expenses + | 4,332 | 4,368 | 4,863 | 4,690 | 5,096 | 5,265 | 5,432 | 5,903 | 5,983 | 5,579 | 5,832 | 5,653 | 5,803 |
| Financing Profit | 1,902 | 1,929 | 1,690 | 2,220 | 1,747 | 1,755 | 1,764 | 1,380 | 1,276 | 1,732 | 1,732 | 2,222 | 2,125 |
| Financing Margin % | 18% | 17% | 14% | 18% | 14% | 13% | 13% | 10% | 9% | 13% | 12% | 16% | 15% |
| Other Income + | 2,683 | 2,315 | 2,297 | 2,978 | 6,449 | 2,684 | 2,623 | 3,182 | 3,080 | 2,589 | 2,838 | 3,116 | 3,338 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 4,585 | 4,244 | 3,987 | 5,198 | 8,196 | 4,439 | 4,387 | 4,563 | 4,356 | 4,321 | 4,570 | 5,339 | 5,463 |
| Tax % | 25% | 25% | 25% | 20% | 24% | 25% | 25% | 22% | 25% | 25% | 25% | 25% | 25% |
| Net Profit + | 3,452 | 3,191 | 3,005 | 4,133 | 6,250 | 3,344 | 3,305 | 3,552 | 3,282 | 3,253 | 3,446 | 4,027 | 4,123 |
| EPS in Rs | 3.47 | 3.21 | 3.02 | 4.16 | 6.29 | 3.36 | 3.32 | 3.57 | 3.30 | 3.27 | 3.47 | 4.05 | 4.15 |
| Gross NPA % | 1.77% | 1.72% | 1.73% | 1.39% | 1.39% | 1.49% | 1.50% | 1.42% | 1.48% | 1.39% | 1.30% | 1.20% | 1.18% |
| Net NPA % | 0.40% | 0.37% | 0.34% | 0.34% | 0.35% | 0.43% | 0.41% | 0.31% | 0.34% | 0.32% | 0.31% | 0.25% | 0.27% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).