IDBI Bank Limited (500116) Fair Value & Analysis

Financial · IN · Market cap ₹390B

A solid business, currently priced close to our fair value.

What matters now

• The price sits close to our fair value, market and models broadly agree here, little valuation tension.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 14, 2026.

How to read this chart

60‑month range ₹29.10 – ₹116.09 · fair‑value band ₹67.00 – ₹111.67 · the ₹82.40 price screens below the ₹89.34 fair value. Dashed = 300-day average. As of Aug 14, 2026.

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Analysis

IDBI Bank Limited (500116) currently trades at ₹82.40, while our model-based Fair Value estimate is ₹89.34, implying the stock looks roughly 8.4% fairly valued today. The Quality Score stands at 54/100 (solid quality), in the Financial sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Trailing-twelve-month revenue stands at ₹47.4B. It earns a return on equity of -15.2%. Fundamentals as of Aug 14, 2026

Our scenario range runs from ₹67.00 (bear case) to ₹111.67 (bull case); at ₹82.40, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 30% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -22% fair-value upside, at 8%, 500116 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (₹83.11) versus Dividend Discount (₹26.71). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. The company offers savings and current accounts, corporate payroll accounts, and fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; phone, mobile, and Internet …

Full company description

IDBI Bank Limited provides banking and financial solutions to retail and corporate clients in India. The company offers savings and current accounts, corporate payroll accounts, and fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; phone, mobile, and Internet banking services; and investment advisory and capital market services, as well as lockers. The company also provides fund based assistance, including term loans; working capital; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines (ATM)/cash dispense vendors; bill discounting; technology upgrading fund scheme for textile and jute industries; and lending to non-banking finance companies/housing finance companies and commercial real estate sector. In addition, it offers bank and performance guarantees, letters of credit, and buyers credit; cash management, treasury, trade finance, and foreign currency services; and debt syndication and advisory services. Further, the company provides finance to micro, small, and medium enterprises; agriculture finance; and products and services for non-resident Indians, as well as equity, debt and gold products. Additionally, it offers information technology and security, and contact center services; and mutual fund, security trusteeship assignments, share pledge trustee, venture capital fund, safe keeping, escrow agency, and other trusteeship services, as well as acts as a trustee to securitization transactions and bond/debentures. As of March 31, 2020, the company operated 1,892 branches, 3,683 ATMs, and 58 e-lounges. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. The company was founded in 1964 and is headquartered in Mumbai, India. IDBI Bank Limited is a subsidiary of Life Insurance Corporation of India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2016 – FY2025 · reported fiscal years

IDBI Bank Limited reported revenue of ₹108B in FY2020 versus ₹5.8B in FY2016, a compound +107.6%/yr. Reported net income was ₹76.3B in FY2025, compounding +49.8%/yr from FY2021.

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Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.