Financial & Valuation Intelligence™
Indian Bank
NSE
INDIANB
Sector: Financial Services· Public Sector BankCurrent Price
₹835.7
Market Cap
₹1.12 L Cr
AI Financial Summary
Indian Bank demonstrates robust growth momentum, evidenced by a 26% CAGR in net profit, paired with a significant valuation discount relative to its calculated intrinsic value. While operational efficiency is high, the bank's financial structure reflects typical public sector characteristics with high leverage and tight interest coverage ratios.
Business Performance (CAGR)
10 Years
Revenue
17.3%
PAT
26.1%
EPS
12.4%
Book Value
5.6%
Free Cash Flow
35.4%
Valuation Snapshot
P/E9.7
P/B1.4
EV/EBITDA20.4
P/S1.7
Div Yield2.19%
Financial Health
Debt to Equity10.92
Interest Coverage1.4x
Current Ratio0.92
Cash & Investments₹2.82 L Cr
Profitability Metrics
ROE
14.6%
ROCE
6.0%
ROA
1.2%
EBITDA Mgn
69.3%
Op Margin
84.5%
Net Margin
17.3%
Cash Flow Intelligence
Operating Cash Flow₹18.82K Cr
Free Cash Flow₹18.39K Cr
Cash Conversion160.8%
FCF Margin27.2%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹835.7
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
Indian Bank presents a compelling case for business research, characterized by strong growth metrics and an attractive valuation gap, though the risks associated with its capital structure must be closely monitored.
- Significant discount to intrinsic value providing a wide margin of safety.
- Strong historical growth in net profit and free cash flow.
- High operating margins and improving ROE metrics.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
52/100
Adequate
Indian Bank has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
AI Confidence
92%
Stability
49
Flexibility
44
Strength Factors
Liquidity42
Leverage40
Working Capital60
Asset Quality55
Shareholder Strength73
Financial Stability49
Financial Flexibility™
44/100
Weak
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹9.92 L Cr
▲ 12.3% YoY
Total Liabilities
₹9.12 L Cr
▲ 12.3% YoY
Shareholder Equity
₹80.04K Cr
▲ 11.9% YoY
Net Cash Position
₹-5.93 L Cr
Monitor
Debt / Equity
10.92x
Elevated
Enterprise Value
₹7.05 L Cr
Capital Structure
Assets
₹9.92 L Cr
Equity
₹80.04K Cr (8.1%)
Liabilities
₹9.12 L Cr (91.9%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity10.92x
Interest Coverage1.4x
Debt / EBITDA74.71x
Net Debt₹5.93 L Cr
Debt Trend (5Y)35.0%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio0.92
Quick Ratio0.92
Cash Ratio0.04
Working Capital₹-2.99K Cr
Operating Cash CoverageWeak
Short-term LiquidityWeak
Working Capital Intelligence™
CCC Trend
Receivable DaysNot Available
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion CycleNot Available
Asset Quality (% of Total Assets)
Cash & Investments3.4%
Property, Plant & Equip.0.9%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets99.1%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)5.6%
Net Worth CAGR (5Y)18.5%
Retained EarningsGood
Equity Dilution0.00%
Buyback EfficiencyWeak
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskHigh
Liquidity RiskHigh
Working Capital RiskElevated
Refinancing RiskHigh
Asset Quality RiskElevated
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown50
Acquisition Capacity43
High Interest Rates40
Dividend Sustainability58
Revenue Decline43
Cash Flow Resilience46
Expansion Capacity55
Overall Resilience Score
48/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
- Indian Bank has an adequate but tight balance sheet — leverage and liquidity warrant monitoring.
What Stands Out
- Large cash & investment reserves
Areas To Monitor
- Elevated debt-to-equity ratio
- Thin interest coverage — cyclical earnings risk
- Tight short-term liquidity cushion
- Large 'other assets' bucket — investigate composition
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026