Fedbank Financial Services Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 12, 2025, 11:16 pm

Market Cap	3,215 Cr.
Current Price	86.3
High / Low	134/86.0
Stock P/E	14.5
Book Value	64.5
Dividend Yield	0.00 %
ROCE	10.5 %
ROE	13.5 %
Face Value	10.0
PEG Ratio	0.63

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Fedbank Financial Services Ltd

Competitors of Fedbank Financial Services Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Fedbank Financial Services Ltd	3,215 Cr.	86.3	134/86.0	14.5	64.5	0.00 %	10.5 %	13.5 %	10.0
Industry Average	3,215.00 Cr	86.30		14.50	64.50	0.00%	10.50%	13.50%	10.00

All Competitor Stocks of Fedbank Financial Services Ltd

Quarterly Result

Metric	Mar 2021	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	199	285	309	338	361	395	413	408	477	513	533
Interest	83	108	125	141	164	167	176	173	202	214	221
Expenses	75	111	117	124	124	144	156	154	184	207	284
Financing Profit	40	66	67	73	74	84	82	80	91	92	28
Financing Margin %	20%	23%	22%	21%	21%	21%	20%	20%	19%	18%	5%
Other Income	1	8	10	-7	6	3	16	20	14	6	10
Depreciation	8	10	11	11	9	9	10	9	11	12	13
Profit before tax	33	64	66	55	72	77	88	91	94	86	25
Tax %	29%	28%	23%	29%	25%	25%	26%	26%	25%	25%	25%
Net Profit	23	46	51	39	54	58	65	68	70	65	19
EPS in Rs	0.81	1.44	1.59	1.21	1.68	1.80	1.77	1.83	1.89	1.74	0.50
Gross NPA %			2.41%	2.03%	2.26%	2.34%	2.19%	1.66%	1.97%	1.87%	1.88%
Net NPA %			1.95%	1.59%	1.78%	1.83%	1.66%	1.33%	1.60%	1.47%	1.04%

Last Updated: March 4, 2025, 12:20 pm

Below is a detailed analysis of the quarterly data for Fedbank Financial Services Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹221.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 214.00 Cr. (Sep 2024) to ₹221.00 Cr., marking an increase of ₹7.00 Cr..
For Expenses, as of Dec 2024, the value is ₹284.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 207.00 Cr. (Sep 2024) to ₹284.00 Cr., marking an increase of ₹77.00 Cr..
For Other Income, as of Dec 2024, the value is ₹10.00 Cr.. The value appears strong and on an upward trend. It has increased from 6.00 Cr. (Sep 2024) to ₹10.00 Cr., marking an increase of ₹4.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹13.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.00 Cr. (Sep 2024) to ₹13.00 Cr., marking an increase of ₹1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹25.00 Cr.. The value appears to be declining and may need further review. It has decreased from 86.00 Cr. (Sep 2024) to ₹25.00 Cr., marking a decrease of 61.00 Cr..
For Tax %, as of Dec 2024, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 25.00%.
For Net Profit, as of Dec 2024, the value is ₹19.00 Cr.. The value appears to be declining and may need further review. It has decreased from 65.00 Cr. (Sep 2024) to ₹19.00 Cr., marking a decrease of 46.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.50. The value appears to be declining and may need further review. It has decreased from ₹1.74 (Sep 2024) to 0.50, marking a decrease of ₹1.24.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 7, 2025, 4:04 pm

Metric	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	255	464	692	869	1,180	1,577	1,931
Interest	114	201	313	348	472	680	811
Expenses	83	190	280	359	442	578	829
Financing Profit	58	74	99	162	266	320	291
Financing Margin %	23%	16%	14%	19%	23%	20%	15%
Other Income	0	2	6	14	19	46	50
Depreciation	8	19	27	37	42	37	45
Profit before tax	51	56	77	139	243	328	296
Tax %	29%	30%	20%	26%	26%	25%
Net Profit	36	39	62	103	180	245	221
EPS in Rs	1.57	1.43	2.13	3.22	5.60	6.62	5.96
Dividend Payout %	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	8.33%	58.97%	66.13%	74.76%	36.11%
Change in YoY Net Profit Growth (%)	0.00%	50.64%	7.15%	8.63%	-38.65%

Fedbank Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 5 years from 2019-2020 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	44%
3 Years:	32%
TTM:	28%

Compounded Profit Growth
10 Years:	%
5 Years:	47%
3 Years:	58%
TTM:	-3%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	%
1 Year:	-26%

Return on Equity
10 Years:	%
5 Years:	12%
3 Years:	13%
Last Year:	14%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 4:30 pm

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	230	273	290	322	322	369	372
Reserves	229	418	545	832	1,034	1,891	2,030
Borrowings	1,639	3,307	4,453	5,154	7,270	8,340	9,993
Other Liabilities	53	88	179	248	445	537	239
Total Liabilities	2,151	4,086	5,466	6,556	9,071	11,138	12,634
Fixed Assets	46	107	133	154	146	146	180
CWIP	0	0	1	1	1	0	2
Investments	13	41	32	514	681	751	687
Other Assets	2,092	3,938	5,300	5,887	8,244	10,241	11,766
Total Assets	2,151	4,086	5,466	6,556	9,071	11,138	12,634

Below is a detailed analysis of the balance sheet data for Fedbank Financial Services Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹372.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹369.00 Cr. (Mar 2024) to ₹372.00 Cr., marking an increase of 3.00 Cr..
For Reserves, as of Sep 2024, the value is ₹2,030.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1,891.00 Cr. (Mar 2024) to ₹2,030.00 Cr., marking an increase of 139.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹9,993.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹8,340.00 Cr. (Mar 2024) to ₹9,993.00 Cr., marking an increase of 1,653.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹239.00 Cr.. The value appears to be improving (decreasing). It has decreased from ₹537.00 Cr. (Mar 2024) to ₹239.00 Cr., marking a decrease of 298.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹12,634.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹11,138.00 Cr. (Mar 2024) to ₹12,634.00 Cr., marking an increase of 1,496.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹180.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹146.00 Cr. (Mar 2024) to ₹180.00 Cr., marking an increase of 34.00 Cr..
For CWIP, as of Sep 2024, the value is ₹2.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹0.00 Cr. (Mar 2024) to ₹2.00 Cr., marking an increase of 2.00 Cr..
For Investments, as of Sep 2024, the value is ₹687.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹751.00 Cr. (Mar 2024) to ₹687.00 Cr., marking a decrease of 64.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹11,766.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,241.00 Cr. (Mar 2024) to ₹11,766.00 Cr., marking an increase of 1,525.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹12,634.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹11,138.00 Cr. (Mar 2024) to ₹12,634.00 Cr., marking an increase of 1,496.00 Cr..

However, the Borrowings (9,993.00 Cr.) are higher than the Reserves (₹2,030.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-445	-1,397	-371	-578	-1,474	-776
Cash from Investing Activity +	-55	-69	-71	-417	-130	-100
Cash from Financing Activity +	495	1,599	825	535	1,632	967
Net Cash Flow	-5	133	384	-460	28	92

Free Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	82.00	187.00	276.00	354.00	435.00	570.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %		7%	8%	10%	15%	14%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	61.65%	61.58%	61.35%	61.16%	61.04%
FIIs	2.54%	1.05%	0.85%	0.63%	0.52%
DIIs	22.64%	23.17%	23.43%	22.56%	21.36%
Public	13.17%	14.19%	14.38%	15.64%	17.08%
No. of Shareholders	1,68,184	1,55,066	1,46,526	1,46,611	1,52,749

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Bandhan Small Cap Fund	4,486,062	0.93	54.6	3,657,167	2025-03-11	22.66%
Nippon India Banking & Financial Services Fund	3,657,167	0.75	44.51	3,657,167	2025-03-11	0%
Edelweiss Recently Listed IPO Fund	1,070,000	1.38	13.02	3,657,167	2025-03-11	-70.74%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	7.22	5.60	3.32	2.19	1.61
Diluted EPS (Rs.)	7.12	5.59	3.31	2.18	1.60
Cash EPS (Rs.)	7.63	6.90	4.36	3.07	2.13
Book Value[Excl.RevalReserv]/Share (Rs.)	61.20	41.73	35.88	28.78	25.28
Book Value[Incl.RevalReserv]/Share (Rs.)	61.20	41.73	35.88	28.78	25.28
Revenue From Operations / Share (Rs.)	42.70	36.62	27.04	23.86	16.44
PBDIT / Share (Rs.)	28.29	23.99	16.28	14.40	10.11
PBIT / Share (Rs.)	27.28	22.69	15.14	13.46	9.40
PBT / Share (Rs.)	8.88	7.55	4.33	2.65	2.05
Net Profit / Share (Rs.)	6.62	5.59	3.22	2.13	1.43
PBDIT Margin (%)	66.25	65.52	60.22	60.33	61.48
PBIT Margin (%)	63.88	61.97	56.00	56.38	57.20
PBT Margin (%)	20.80	20.61	16.01	11.11	12.46
Net Profit Margin (%)	15.51	15.28	11.90	8.91	8.70
Return on Networth / Equity (%)	10.82	13.40	8.96	7.39	5.66
Return on Capital Employeed (%)	43.22	51.46	41.10	45.83	35.44
Return On Assets (%)	2.19	1.98	1.57	1.12	0.95
Total Debt / Equity (X)	3.63	5.31	4.35	5.19	4.67
Asset Turnover Ratio (%)	0.15	0.15	0.14	0.14	0.14
Current Ratio (X)	1.24	1.16	1.18	1.14	1.18
Quick Ratio (X)	1.24	1.16	1.18	1.14	1.18
Interest Coverage Ratio (X)	1.54	1.64	1.51	1.33	1.37
Interest Coverage Ratio (Post Tax) (X)	1.36	1.41	1.30	1.20	1.19
Enterprise Value (Cr.)	12217.94	0.00	0.00	0.00	0.00
EV / Net Operating Revenue (X)	7.75	0.00	0.00	0.00	0.00
EV / EBITDA (X)	11.69	0.00	0.00	0.00	0.00
MarketCap / Net Operating Revenue (X)	2.66	0.00	0.00	0.00	0.00
Price / BV (X)	1.85	0.00	0.00	0.00	0.00
Price / Net Operating Revenue (X)	2.66	0.00	0.00	0.00	0.00
EarningsYield	0.05	0.00	0.00	0.00	0.00

After reviewing the key financial ratios for Fedbank Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 7.22. This value is within the healthy range. It has increased from 5.60 (Mar 23) to 7.22, marking an increase of 1.62.
For Diluted EPS (Rs.), as of Mar 24, the value is 7.12. This value is within the healthy range. It has increased from 5.59 (Mar 23) to 7.12, marking an increase of 1.53.
For Cash EPS (Rs.), as of Mar 24, the value is 7.63. This value is within the healthy range. It has increased from 6.90 (Mar 23) to 7.63, marking an increase of 0.73.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 61.20. It has increased from 41.73 (Mar 23) to 61.20, marking an increase of 19.47.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 61.20. It has increased from 41.73 (Mar 23) to 61.20, marking an increase of 19.47.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 42.70. It has increased from 36.62 (Mar 23) to 42.70, marking an increase of 6.08.
For PBDIT / Share (Rs.), as of Mar 24, the value is 28.29. This value is within the healthy range. It has increased from 23.99 (Mar 23) to 28.29, marking an increase of 4.30.
For PBIT / Share (Rs.), as of Mar 24, the value is 27.28. This value is within the healthy range. It has increased from 22.69 (Mar 23) to 27.28, marking an increase of 4.59.
For PBT / Share (Rs.), as of Mar 24, the value is 8.88. This value is within the healthy range. It has increased from 7.55 (Mar 23) to 8.88, marking an increase of 1.33.
For Net Profit / Share (Rs.), as of Mar 24, the value is 6.62. This value is within the healthy range. It has increased from 5.59 (Mar 23) to 6.62, marking an increase of 1.03.
For PBDIT Margin (%), as of Mar 24, the value is 66.25. This value is within the healthy range. It has increased from 65.52 (Mar 23) to 66.25, marking an increase of 0.73.
For PBIT Margin (%), as of Mar 24, the value is 63.88. This value exceeds the healthy maximum of 20. It has increased from 61.97 (Mar 23) to 63.88, marking an increase of 1.91.
For PBT Margin (%), as of Mar 24, the value is 20.80. This value is within the healthy range. It has increased from 20.61 (Mar 23) to 20.80, marking an increase of 0.19.
For Net Profit Margin (%), as of Mar 24, the value is 15.51. This value exceeds the healthy maximum of 10. It has increased from 15.28 (Mar 23) to 15.51, marking an increase of 0.23.
For Return on Networth / Equity (%), as of Mar 24, the value is 10.82. This value is below the healthy minimum of 15. It has decreased from 13.40 (Mar 23) to 10.82, marking a decrease of 2.58.
For Return on Capital Employeed (%), as of Mar 24, the value is 43.22. This value is within the healthy range. It has decreased from 51.46 (Mar 23) to 43.22, marking a decrease of 8.24.
For Return On Assets (%), as of Mar 24, the value is 2.19. This value is below the healthy minimum of 5. It has increased from 1.98 (Mar 23) to 2.19, marking an increase of 0.21.
For Total Debt / Equity (X), as of Mar 24, the value is 3.63. This value exceeds the healthy maximum of 1. It has decreased from 5.31 (Mar 23) to 3.63, marking a decrease of 1.68.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.15. There is no change compared to the previous period (Mar 23) which recorded 0.15.
For Current Ratio (X), as of Mar 24, the value is 1.24. This value is below the healthy minimum of 1.5. It has increased from 1.16 (Mar 23) to 1.24, marking an increase of 0.08.
For Quick Ratio (X), as of Mar 24, the value is 1.24. This value is within the healthy range. It has increased from 1.16 (Mar 23) to 1.24, marking an increase of 0.08.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.54. This value is below the healthy minimum of 3. It has decreased from 1.64 (Mar 23) to 1.54, marking a decrease of 0.10.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.36. This value is below the healthy minimum of 3. It has decreased from 1.41 (Mar 23) to 1.36, marking a decrease of 0.05.
For Enterprise Value (Cr.), as of Mar 24, the value is 12,217.94. It has increased from 0.00 (Mar 23) to 12,217.94, marking an increase of 12,217.94.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 7.75. This value exceeds the healthy maximum of 3. It has increased from 0.00 (Mar 23) to 7.75, marking an increase of 7.75.
For EV / EBITDA (X), as of Mar 24, the value is 11.69. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 11.69, marking an increase of 11.69.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.66. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 2.66, marking an increase of 2.66.
For Price / BV (X), as of Mar 24, the value is 1.85. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 1.85, marking an increase of 1.85.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.66. This value is within the healthy range. It has increased from 0.00 (Mar 23) to 2.66, marking an increase of 2.66.
For EarningsYield, as of Mar 24, the value is 0.05. This value is below the healthy minimum of 5. It has increased from 0.00 (Mar 23) to 0.05, marking an increase of 0.05.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Fedbank Financial Services Ltd as of March 12, 2025 is: ₹103.03

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Fedbank Financial Services Ltd is Undervalued by 19.39% compared to the current share price 86.30

Intrinsic Value of Fedbank Financial Services Ltd as of March 12, 2025 is: 126.57

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Fedbank Financial Services Ltd is Undervalued by 46.66% compared to the current share price 86.30

Last 5 Year EPS CAGR: 22.85%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Fedbank Financial Services Ltd:
1. Net Profit Margin: 15.51%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 43.22% (Industry Average ROCE: 10.5%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 10.82% (Industry Average ROE: 13.5%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.36
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.24
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 14.5 (Industry average Stock P/E: 14.5)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 3.63
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Fedbank Financial Services Ltd. is a Public Limited Listed company incorporated on 17/04/1995 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65910MH1995PLC364635 and registration number is 364635. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 1577.21 Cr. and Equity Capital is Rs. 369.39 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Unit No. 1101, 11th Floor, Cignus, Plot No. 71A, Mumbai Maharashtra 400087	secretarial@fedfina.com http://www.fedfina.com

Management
Name	Position Held
Mr. Shyam Srinivasan	Chairman & Non-Exe.Director
Mr. Parvez Mulla	Managing Director & CEO
Ms. Gauri Rushabh Shah	Independent Director
Mr. Sunil Satyapal Gulati	Independent Director
Mr. Ramesh Sundararajan	Independent Director
Ms. Sonal Dave	Independent Director
Mr. Maninder Singh Juneja	Non Exe. & Nominee Director
Ms. Mona Bhide	Additional Director
Mr. Muralidharan Rajamani	Additional Director
Mr. KVS Manian	Non Exe. & Nominee Director
Mr. Harsh Dugar	Non Exe. & Nominee Director

FAQ

What is the latest intrinsic value of Fedbank Financial Services Ltd?

The latest intrinsic value of Fedbank Financial Services Ltd as on 12 March 2025 is ₹103.03, which is 19.39% higher than the current market price of ₹86.30, indicating the stock is undervalued by 19.39%. The intrinsic value of Fedbank Financial Services Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹3,215 Cr. and recorded a high/low of ₹134/86.0 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹2,030 Cr and total liabilities of ₹12,634 Cr.

What is the Market Cap of Fedbank Financial Services Ltd?

The Market Cap of Fedbank Financial Services Ltd is 3,215 Cr..

What is the current Stock Price of Fedbank Financial Services Ltd as on 12 March 2025?

The current stock price of Fedbank Financial Services Ltd as on 12 March 2025 is ₹86.3.

What is the High / Low of Fedbank Financial Services Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Fedbank Financial Services Ltd stocks is ₹134/86.0.

What is the Stock P/E of Fedbank Financial Services Ltd?

The Stock P/E of Fedbank Financial Services Ltd is 14.5.

What is the Book Value of Fedbank Financial Services Ltd?

The Book Value of Fedbank Financial Services Ltd is 64.5.

What is the Dividend Yield of Fedbank Financial Services Ltd?

The Dividend Yield of Fedbank Financial Services Ltd is 0.00 %.

What is the ROCE of Fedbank Financial Services Ltd?

The ROCE of Fedbank Financial Services Ltd is 10.5 %.

What is the ROE of Fedbank Financial Services Ltd?

The ROE of Fedbank Financial Services Ltd is 13.5 %.

What is the Face Value of Fedbank Financial Services Ltd?

The Face Value of Fedbank Financial Services Ltd is 10.0.