IND BANK HOUSING LTD. (INDBNK) Fair Value & Analysis
Financial Services · IN · Market cap ₹459M
Fair value as of: Jul 5, 2026
From 2 valuation models · updated 45 days ago
Below-average quality, and screening another 84% overvalued on our models.
What matters now
- Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- 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 Jul 5, 2026.
How to read this chart
60‑month range ₹24.48 – ₹74.24 · the ₹49.61 price screens above the ₹7.73 fair value. Dashed = 300-day average. As of Jul 5, 2026.
Analysis
IND BANK HOUSING LTD. (INDBNK) currently trades at ₹49.61, while our model-based Fair Value estimate is ₹7.73, implying the stock looks roughly 84.4% overvalued today. The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Over the trailing twelve months, IND BANK HOUSING LTD. generated revenue of ₹5.1M at a net margin of -17.3%. Revenue grew 148.8% year over year. Net debt stands at ₹1.3B. Fundamentals as of Jul 5, 2026
The share trades about 14% below its 52-week high and 40% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -35% fair-value upside, at -84%, INDBNK screens richer 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.
All 2 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Ind Bank Housing Limited does not have significant operations. Previously it was involved in the housing finance business. The company was incorporated in 1991 and is based in Chennai, India. Ind Bank Housing Limited operates as a subsidiary of Indian Bank.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
IND BANK HOUSING LTD. reported revenue of ₹0 in FY2026 versus ₹0 in FY2022. Reported net income was −₹883K in FY2026.
INDBNK screens 84% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 93 stocks
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.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $14.05 | $10.56 | -25% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.75 | ₹39.96 | -53% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,165 | ₹762.89 | -35% |
| Aadhar Housing Finance Limited AADHARHFC | ₹502.00 | ₹325.75 | -35% |
| Aptus Value Housing Finance India Limited APTUS | ₹254.75 | ₹244.80 | -4% |
| Home First Finance Company HOMEFIRST | ₹1,181 | ₹455.73 | -61% |
| Aavas Financiers Limited AAVAS | ₹1,416 | ₹675.38 | -52% |
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Frequently asked questions
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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.
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