IDBI Bank Limited (IDBI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of IDBI Bank Limited ₹64.34, price ₹83.39, upside -22.8%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹29.10 – ₹116.01 · fair‑value band ₹56.19 – ₹110.34 · the ₹83.39 price screens above the ₹64.34 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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IDBI Bank Limited provides banking and financial solutions to retail and corporate customers in India. It operates through three segments: Corporate/Wholesale Banking, Retail Banking, and Treasury Operations.
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IDBI Bank Limited provides banking and financial solutions to retail and corporate customers in India. It operates through three segments: Corporate/Wholesale Banking, Retail Banking, and Treasury Operations. The company offers savings, current, and salary accounts, as well as fixed deposits; home, auto, education, and personal loans, as well as loans against properties and securities; debit, credit, and prepaid cards; mobile and Internet banking; and investment advisory and capital market services. It also provides fund and non-fund-based assistance; packing credit to exporters; receivable buyout with recourse; channel financing for dealers of corporates; scheme for financing automated teller machines/cash dispense vendors; 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, the company offers bank guarantees, letters of credit, documentary collection, and bill discounting services; cash management, trade finance, and remittance services; and debt syndication and advisory services. Further, it provides finance to micro, small, and medium enterprises; agriculture finance; products and services for non-resident Indians; treasury services, such as call money/ notice money / term money, commercial papers, certificate of deposit, government securities, treasury bills, corporate bonds, and equities; and foreign currency services comprising remittances, currency forward contracts, LTFX, FX-retail, currency options, swaps, FRA, currency exchange, and exchange traded derivative contracts. The company was formerly known as IDBI Ltd. and changed its name to IDBI Bank Limited in May 2008. IDBI Bank Limited was founded in 1964 and is headquartered in Mumbai, India.
Stock analysis
IDBI Bank Limited (IDBI) currently trades at ₹83.39, while our model-based Fair Value estimate is ₹64.34, implying the stock looks roughly 29.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹89.27 per share, and 2 of the 6 models we run sit above the ₹83.39 price.
Bear case: the Dividend Discount group reads lowest at ₹31.07, and 4 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹56.19 (bear) to ₹110.34 (bull), the price of ₹83.39 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
IDBI Bank Limited reported revenue of ₹356B in FY2026 versus ₹221B in FY2022, a compound +12.7%/yr. Reported net income was ₹92.1B in FY2026, compounding +38.1%/yr from FY2022.
Key figures
Market cap ₹896B (≈ $9.3B) · P/E ratio 9.7 · P/S ratio 2.52 · EPS (TTM) ₹8.57 · Dividend yield 2.5% · Net margin 25.8% · Return on equity 14.2% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 36% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −23%, IDBI screens cheaper than that median.
Fair Value models
Bear ₹56.19Fair Value ₹64.34Bull ₹110.34
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹4.16 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.0%
Start year 2021 (pandemic). Over 10 years: +1.3% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+46.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+44.4%
Dividend (yield on the price)2.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.35% vs 4%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 33%
2026 sits 59% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
⚠ Revenue per share shrinking 16.7%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about −11.5% a year for the price.
News mood ⓘNews mood, the average tone of recent news (35 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Very negative
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−23% · Below median
Profitability
Return on equity (TTM)14% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)43% · Top 25%
Operating margin (TTM)16% · Bottom 25%
Growth and dividend
Revenue growth3% · Below median
Dividend yield (TTM)2.5% · Below median
Balance sheet
Debt / equity0.29× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "IDBI Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/IDBI
Frequently asked questions
Is IDBI Bank Limited (IDBI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹64.34 versus a price of ₹83.39, about −23% upside (overvalued).
What is the fair value of IDBI?
Our model-based fair value for IDBI Bank Limited is ₹64.34 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹83.39.
What is the quality score of IDBI?
IDBI Bank Limited has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IDBI Bank Limited (IDBI)?
Our model-based price target is the fair value of ₹64.34 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario ₹56.19, optimistic scenario ₹110.34. It is a calculation from audited fundamentals, not an analyst target.
What is the IDBI Bank Limited stock forecast for 2026?
Our models put fair value at ₹64.34, about −23% upside versus a price of ₹83.39 (overvalued). Cautious scenario ₹56.19, optimistic scenario ₹110.34. The calculation is refreshed regularly with new filings.
What is the revenue of IDBI Bank Limited (IDBI)?
IDBI Bank Limited reported trailing-twelve-month revenue of about ₹212B (latest available figure, as of Sep 24, 2026).
Does IDBI Bank Limited pay a dividend?
IDBI Bank Limited currently shows a dividend yield of about 2.53% relative to its recent price (as of Sep 24, 2026).
What growth is priced into IDBI Bank Limited (IDBI)?
For today's price to be fair in a discounted-cash-flow model, IDBI Bank Limited would have to grow free cash flow by -7.8 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IDBI use?
Our models discount IDBI Bank Limited at 11.8 %: a base by market capitalisation (mid), damped by beta 0.81, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For IDBI Bank Limited that is -7.8 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has IDBI Bank Limited (IDBI) delivered so far?
Over the past 5 years revenue at IDBI Bank Limited grew +8.1 % a year. The price currently implies -7.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of IDBI Bank Limited (IDBI) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into IDBI Bank Limited (-7.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of IDBI Bank Limited (IDBI)?
The free-cash-flow yield on the price is 12.89 %: that much free cash flow IDBI Bank Limited produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of IDBI Bank Limited (IDBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IDBI Bank Limited it is ₹64.34 per share (as of Sep 24, 2026), against a price of ₹83.39. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is IDBI Bank Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IDBI trades above its calculated fair value: price ₹83.39, fair value ₹64.34, a gap of about −23% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IDBI?
No. The price is what the market pays today (₹83.39); the fair value is what the company's own numbers justify (₹64.34). For IDBI Bank Limited the two are ₹19.05 per share apart. That gap is exactly why we show both numbers side by side.
How much is IDBI Bank Limited worth?
The market values IDBI Bank Limited at about ₹896B (market capitalisation, as of Sep 24, 2026). Per share that is ₹83.39; our models calculate a fair value of ₹64.34 per share.
What do the bullish and bearish scenarios say about IDBI?
Our models span a range for IDBI Bank Limited: cautious scenario ₹56.19, base ₹64.34, optimistic ₹110.34 per share (as of Sep 24, 2026, price ₹83.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IDBI?
IDBI Bank Limited trades at a price-to-earnings ratio of 9.7 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹64.34 is built from several models across several years. Other multiples: PEG 0.5, P/B 1.3, P/S 4.2, EV/EBITDA 4.3.
What is the PEG ratio of IDBI?
The PEG ratio of IDBI Bank Limited is 0.51 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of IDBI Bank Limited (IDBI)?
Balance-sheet figures for IDBI Bank Limited (as of Sep 24, 2026): return on equity 14.2%, debt of 0.29 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is IDBI from its 52-week high?
IDBI Bank Limited trades at ₹83.39, about 28% below its 52-week high of ₹116.01 and 36% above the low of ₹61.50 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of ₹64.34 is for.
Which stocks are comparable to IDBI Bank Limited?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IDBI Bank Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹83.39, calculated fair value ₹64.34 (−23%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IDBI calculated?
We run IDBI Bank Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹64.34, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. IDBI Bank Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IDBI Bank Limited (IDBI)?
The closing price on Sep 23, 2026 was ₹83.39. Our model-based fair value is ₹64.34, about −23% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IDBI Bank Limited right now?
Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹56.19 to ₹110.34) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of IDBI Bank Limited
How large is the market capitalisation of IDBI Bank Limited (IDBI)?
The market capitalisation of IDBI Bank Limited is ₹896B (≈ $9.3B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IDBI Bank Limited (IDBI)?
The price-to-sales ratio of IDBI Bank Limited is 2.52 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IDBI Bank Limited (IDBI)?
Earnings per share at IDBI Bank Limited are ₹8.57 (price ÷ EPS = P/E 9.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IDBI Bank Limited (IDBI)?
The dividend yield of IDBI Bank Limited is 2.5% (payout 24.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of IDBI Bank Limited (IDBI)?
The net margin of IDBI Bank Limited is 25.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of IDBI Bank Limited (IDBI)?
The return on equity (ROE) of IDBI Bank Limited is 14.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of IDBI Bank Limited (IDBI)?
On an EBIT basis the return on assets of IDBI Bank Limited is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IDBI Bank Limited (IDBI)?
The operating margin of IDBI Bank Limited is 15.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IDBI Bank Limited (IDBI)?
Revenue at IDBI Bank Limited is growing +3.0% versus a year earlier (3y avg +13.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at IDBI Bank Limited (IDBI)?
Earnings per share at IDBI Bank Limited are growing +0.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does IDBI Bank Limited (IDBI) hold?
IDBI Bank Limited holds more cash than debt, ₹288B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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