IndusInd Bank Limited
Financial trend (100/100) does the heavy lifting; valuation (17/100) is the drag.
ExpensiveSolvency riskStocksWizard rates IndusInd Bank Limited a Sell, scoring 40/100 on our blended model. We put fair value near ₹506.23; at ₹1,012.45 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 81.3x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 5% below its 52-week high of ₹1,069.3 and 42% above the low of ₹711.6. Financial health scores 11/100, with a Piotroski F-score of 3/9. The average analyst target of ₹879.69 implies about 13% downside across 36 analysts. It clears 4 of 9 investability checks, with durability 24, valuation 34 and momentum 80 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 ₹404.98.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-5.32% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell40Piotroski F-score 3/9 — 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%: 1.4%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 273%
- No data: Earnings growing
- Fail: Net margin ≥ 10%: 5.2%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: 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: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter16.6%
- Institutions52.3%
- Public & other31.2%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Opportunities
- Revenue growing (273% YoY).
Bear case
Weaknesses
- Low return on equity (1.4%).
- Weak Piotroski score (3/9).
Threats
- Trades ~50% above our estimated fair value.
About IndusInd Bank Limited
IndusInd Bank Limited offers banking and financial services to individuals, corporations, government entities, and public sector undertakings across India. The bank operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its product suite includes various deposit accounts such as savings, salary, RFC, and uniformed personnel accounts, as well as current accounts in smart, everyday, premium, trade, startup, and specialized categories, along with fixed and recurring deposits.
IndusInd Bank Limited — frequently asked questions
Is IndusInd Bank Limited a buy, hold or sell?
StocksWizard currently rates IndusInd Bank Limited (INDUSINDBK) a Sell, based on a blended score of 40/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is IndusInd Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates IndusInd Bank Limited's fair value at about ₹506.23, versus a current price of ₹1,012.45 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is IndusInd Bank Limited financially healthy?
IndusInd Bank Limited scores 11/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has IndusInd Bank Limited's share price performed?
IndusInd Bank Limited is up 11% over three months, and last traded at ₹1,012.45. 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.