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 37 analysts
Fundamentals
Fundamentals institutional score is 63 using EVA spread proxy 3.2%; growth durability 52.4.
Valuation
Valuation institutional score is 23 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 75 using mean target upside 16.4%; dispersion penalty 10.2; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 50 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 12 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. analyst consensus and market sentiment provide support, while valuation and technical structure 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 36.7% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +1.73). Confidence: 81%.
Live forward EPS implies next-12-month EPS of ₹104.61. Applying the stock's normalized valuation corridor produces a fair range of ₹807.59 to ₹1,063.88, with base value near ₹886.05 (-17.8% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹104.61
Forward P/E
10.3x
Base Fair Value
₹886.05
Fair Range
₹807.59 - ₹1,063.88
Upside To Base
-17.8%
Estimate Source
Live forward EPS
Growth Estimate
+9.9%
5Y Average
1.57
Current
1.60
Overvalued
1.80
Undervalued
1.33
5Y Average
7.41
Current
11.58
Overvalued
10.17
Undervalued
7.72
5Y Average
1.65
Current
2.58
Overvalued
1.90
Undervalued
1.40
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% | 9.5x Premium | +19% vs avg | +30.6% |
INDIAN OVERSEAS BANK IOBPublic Banks | +48.1% | 36.6% | 11.4x Premium | +43% vs avg | -5.3% |
UCO BANK UCOBANKPublic Banks | +53.0% | 21.5% | 11.6x Premium | +45% vs avg | -6.8% |
PUNJAB NATIONAL BANK PNBPublic Banks | +15.2% | 38.1% | 6.2x Undervalued | -22% vs avg | +6.9% |
UNION BANK OF INDIA UNIONBANKPublic Banks | — | 40.5% | 6.9x Fair | -14% vs avg | +34.5% |
BANK OF BARODA BANKBARODAPublic Banks | +18.0% | 27.4% | 7.1x Fair | -11% vs avg | +1.8% |
CANARA BANK CANBKPublic Banks | -12.9% | 43.1% | 6.0x Undervalued | -25% vs avg | +19.6% |
BANK OF INDIA BANKINDIAPublic Banks | +18.5% | 35.0% | 5.4x Undervalued | -32% vs avg | +25.8% |
Comparable-scale peer data is limited — showing nearest stored business/industry peers instead of an empty comparison.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹1.40L CrMar 2026Latest net profit
₹19.68K CrMar 2026Net Profit
₹19.68K 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: Mar 2026
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 106,912 | 108,039 | 112,169 | 118,193 | 128,412 | 122,688 | 129,141 | 128,467 | 143,876 | 135,342 | 139,573 | 140,915 | 140,412 |
| Interest Earned | 92,951 | 95,975 | 101,379 | 106,734 | 111,043 | 111,526 | 113,871 | 117,427 | 119,509 | 117,996 | 119,654 | 122,352 | 123,098 |
| Other Income | 13,961 | 12,063 | 10,791 | 11,459 | 17,369 | 11,162 | 15,271 | 11,041 | 24,367 | 17,346 | 15,326 | 18,562 | 17,314 |
| Interest | 52,559 | 57,070 | 61,879 | 66,918 | 69,387 | 70,401 | 72,251 | 75,981 | 76,892 | 76,923 | 76,670 | 77,366 | 78,718 |
| Operating Expenses | 29,733 | 25,671 | 30,874 | 30,939 | 30,277 | 25,839 | 27,596 | 28,935 | 35,698 | 27,874 | 30,999 | 30,686 | 33,990 |
| EBITDA | 24,621 | 25,297 | 19,417 | 20,336 | 28,748 | 26,449 | 29,294 | 23,551 | 31,286 | 30,544 | 31,904 | 32,862 | 27,704 |
| Provisions | 3,316 | 2,501 | 115 | 7,788 | 1,610 | 3,449 | 4,506 | 911 | 6,442 | 4,759 | 5,400 | 4,507 | 2,872 |
| Profit before tax | 21,305 | 22,796 | 19,301 | 12,548 | 27,138 | 22,999 | 24,788 | 22,640 | 24,844 | 25,785 | 26,504 | 28,355 | 24,832 |
| Tax % | 21.64% | 25.93% | 25.76% | 26.97% | 23.73% | 25.93% | 26.05% | 25.39% | 24.96% | 25.69% | 23.94% | 25.84% | 20.73% |
| Net Profit | 16,695 | 16,884 | 14,330 | 9,164 | 20,698 | 17,035 | 18,331 | 16,891 | 18,643 | 19,160 | 20,160 | 21,028 | 19,684 |
| Gross NPA % | 2.78% | 2.76% | 2.55% | 2.42% | 2.24% | 2.21% | 2.13% | 2.07% | 1.82% | 1.83% | 1.73% | 1.57% | 1.49% |
| Net NPA % | 0.67% | 0.71% | 0.64% | 0.64% | 0.57% | 0.57% | 0.53% | 0.53% | 0.47% | 0.47% | 0.42% | 0.39% | 0.39% |
| Loans and Advances | 3,199,269 | 3,235,023 | 3,345,167 | 3,519,514 | 3,703,971 | 3,749,139 | 3,857,423 | 4,004,567 | 4,163,312 | 4,196,205 | 4,361,737 | 4,627,734 | 4,877,895 |
| Deposits | 4,423,778 | 4,531,237 | 4,689,218 | 4,762,221 | 4,916,077 | 4,901,726 | 5,117,285 | 5,229,384 | 5,382,190 | 5,473,254 | 5,591,700 | 5,701,309 | 5,975,642 |
| Borrowings | 493,135 | 412,352 | 512,713 | 552,489 | 597,561 | 585,667 | 558,816 | 709,135 | 563,573 | 537,749 | 600,551 | 635,707 | 731,254 |
| EPS in Rs | 18.71 | 18.92 | 16.06 | 10.27 | 23.19 | 19.09 | 20.54 | 21.12 | 21.96 | 23.76 | 22.00 | 23.09 | 21.28 |
All values in Rs. Crore unless otherwise stated. Source: CMIE Prowess, Quarterly Interim Standalone.