IDBI Bank Limited
Valuation (95/100) does the heavy lifting; momentum (50/100) is the drag.
Buy zoneOur blended model reads IDBI Bank Limited as a Buy at 74/100. On 9.8x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 28% below its 52-week high of ₹116.01 and 36% above the low of ₹61.5. Financial health scores 81/100, with a Piotroski F-score of 6/9. It clears 5 of 8 investability checks, with durability 69, valuation 90 and momentum 50 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹110.23.
1-year price
EOD · 2026-07-3152-week range
-27.81% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy74Piotroski F-score 6/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.9%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- No data: Revenue growth > 10%
- No data: Earnings growing
- Pass: Net margin ≥ 10%: 48.6%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 6/9
Annual financials
Shareholding
- Promoter45.6%
- Institutions49.6%
- Public & other4.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (48.6%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Trades ~65% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About IDBI Bank Limited
IDBI Bank Limited operates in India through four segments: Corporate/Wholesale Banking, Retail Banking, Treasury Operations, and Other banking operations. It provides deposit accounts including savings, current, and salary accounts alongside fixed deposits, along with various loan products such as home, auto, education, mortgage, and personal loans. The bank also offers debit, credit, and prepaid cards, plus mobile and internet banking services.
IDBI Bank Limited — frequently asked questions
Is IDBI Bank Limited a buy, hold or sell?
StocksWizard currently rates IDBI Bank Limited (IDBI) a Buy, based on a blended score of 74/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is IDBI Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates IDBI Bank Limited's fair value at about ₹137.79, versus a current price of ₹83.75 — roughly 65% upside. On that basis the stock looks undervalued by 65%.
Is IDBI Bank Limited financially healthy?
IDBI Bank Limited scores 81/100 on our financial-health model, with a Piotroski F-score of 6/9.
How has IDBI Bank Limited's share price performed?
IDBI Bank Limited is up 12% over three months, and last traded at ₹83.75. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.