IDBI Bank Limited (IDBI) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of IDBI Bank Limited stock ₹63.39, price ₹79.69, that is 20.5% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
IDBI Bank Limited
IDBI · NSEOur calculation puts a fair price 20% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range ₹29.10 – ₹116.01 · fair‑value band ₹56.21 – ₹81.70 · the ₹79.69 price screens above the ₹63.39 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. As of Nov 8, 2026.
Every Wednesday you see whether IDBI Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
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.
Show moreShow less
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 ₹79.69, while our model-based Fair Value estimate is ₹63.39, 20% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of ₹90.14 per share, and 1 of the 6 models we run sit above the ₹79.69 price.
Bear case: the Dividend Discount group reads lowest at ₹24.66, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹56.21 (bear) to ₹81.70 (bull), the price of ₹79.69 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 64/100 (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 ₹856B (≈ $9.1B) Mid · P/E ratio 10.3 · P/S ratio 4.57 · EPS (TTM) ₹7.73 · Dividend yield 2.6% · Net margin 44.3% · Return on equity 11.8% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 31% below its 52-week high and 30% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −20%, IDBI screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
IDBI screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →
Earlier news
- Fairfax India Holdings (TSX:FIH.U) Stock May Be 19% Undervalued On IDBI Bank Plans
- Fairfax Financial Holdings (TSX:FFH) Buys Into IDBI Bank As Undervalued Narrative Faces A Test
- Fairfax Declared “Strategic Buyer” in Auction to Acquire Interest in IDBI Bank; Plans to Contribute Digit Insurance and IIFL Capital to IDBI
Compare IDBI Bank Limited with another stock
Price, fair value, quality and upside side by side.
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 · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.62 | ¥7.59 | +35% | vs IDBI |
| China Merchants Bank Co 600036 | ¥43.01 | ¥52.73 | +23% | vs IDBI |
| BNP Paribas SA BNP | €93.98 | €106.01 | +13% | vs IDBI |
| State Bank of India SBIN | ₹1,042 | ₹736.65 | −29% | vs IDBI |
| Intesa Sanpaolo S.p.A ISP | €6.35 | €4.49 | −29% | vs IDBI |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs IDBI |
| UniCredit S.p.A UCG | €81.62 | €50.44 | −38% | vs IDBI |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs IDBI |
| HDFC Bank Limited HDFCBANK | ₹798.15 | ₹406.39 | −49% | vs IDBI |
| ICICI Bank Limited ICICIBANK | ₹1,589 | ₹615.63 | −61% | vs IDBI |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is IDBI Bank Limited (IDBI) overvalued or undervalued?
What is the fair value of IDBI?
What is the quality score of IDBI?
What is the price target for IDBI Bank Limited (IDBI)?
What is the IDBI Bank Limited stock forecast for 2026?
What is the revenue of IDBI Bank Limited (IDBI)?
Does IDBI Bank Limited pay a dividend?
How much is the dividend of IDBI Bank Limited (IDBI)?
What is the intrinsic value of IDBI Bank Limited (IDBI)?
Is IDBI Bank Limited stock overvalued or undervalued in 2026?
Is fair value the same as the market price of IDBI?
How much is IDBI Bank Limited worth?
What do the bullish and bearish scenarios say about IDBI?
What is the P/E ratio of IDBI?
What is the PEG ratio of IDBI?
How solid is the balance sheet of IDBI Bank Limited (IDBI)?
How far is IDBI from its 52-week high?
Which stocks are comparable to IDBI Bank Limited?
Is IDBI Bank Limited stock attractive at the current price?
How is the fair value of IDBI calculated?
Is it still worth investing in stocks now?
What is the share price of IDBI Bank Limited (IDBI)?
What should I pay attention to with IDBI Bank Limited right now?
Key figures of IDBI Bank Limited
How large is the market capitalisation of IDBI Bank Limited (IDBI)?
What is the P/S ratio of IDBI Bank Limited (IDBI)?
What are the earnings per share of IDBI Bank Limited (IDBI)?
What is the dividend yield of IDBI Bank Limited (IDBI)?
What is the net margin of IDBI Bank Limited (IDBI)?
What is the return on equity of IDBI Bank Limited (IDBI)?
What is the EBIT return on assets of IDBI Bank Limited (IDBI)?
What is the operating margin of IDBI Bank Limited (IDBI)?
How fast is revenue growing at IDBI Bank Limited (IDBI)?
How fast are earnings growing at IDBI Bank Limited (IDBI)?
How much free cash flow does IDBI Bank Limited (IDBI) generate?
How much net cash does IDBI Bank Limited (IDBI) hold?
Watch IDBI Bank Limited in the live analysis
One click puts IDBI Bank Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.