Fedbank Financial Services Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 1, 2025, 3:39 pm

Quick Insight

Fedbank Financial Services Ltd, currently priced at ₹132 with a market capitalization of ₹4,910 crore, presents a mixed investment narrative. The stock trades at a P/E ratio of 21.4, suggesting a premium valuation compared to its peers, yet its return on equity (ROE) of 9.37% and return on capital employed (ROCE) of 9.82% indicate moderate profitability. The firm boasts reserves of ₹2,175 crore, providing a cushion for future growth, while institutional ownership is significant, with domestic institutional investors holding 21.36%. However, the absence of foreign institutional investments (FIIs) raises questions about broader market confidence. Investors should weigh these factors carefully, as the company’s financial resilience and growth potential could lead to attractive returns, but the current valuation may require cautious optimism.

Competitors of Fedbank Financial Services Ltd

All Competitor Stocks of Fedbank Financial Services Ltd

Quarterly Result

Last Updated: May 31, 2025, 6:05 am

Below is a detailed analysis of the quarterly data for Fedbank Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Interest, as of Mar 2025, the value is 216.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 221.00 Cr. (Dec 2024) to 216.00 Cr., marking a decrease of 5.00 Cr..
• For Expenses, as of Mar 2025, the value is 210.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 273.00 Cr. (Dec 2024) to 210.00 Cr., marking a decrease of 63.00 Cr..
• For Other Income, as of Mar 2025, the value is 14.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Dec 2024) to 14.00 Cr., marking an increase of 4.00 Cr..
• For Depreciation, as of Mar 2025, the value is 13.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 13.00 Cr..
• For Profit before tax, as of Mar 2025, the value is 99.00 Cr.. The value appears strong and on an upward trend. It has increased from 25.00 Cr. (Dec 2024) to 99.00 Cr., marking an increase of 74.00 Cr..
• For Tax %, as of Mar 2025, the value is 27.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Dec 2024) to 27.00%, marking an increase of 2.00%.
• For Net Profit, as of Mar 2025, the value is 72.00 Cr.. The value appears strong and on an upward trend. It has increased from 19.00 Cr. (Dec 2024) to 72.00 Cr., marking an increase of 53.00 Cr..
• For EPS in Rs, as of Mar 2025, the value is 1.92. The value appears strong and on an upward trend. It has increased from 0.50 (Dec 2024) to 1.92, marking an increase of 1.42.

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

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 3:34 am

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:19 pm

Below is a detailed analysis of the balance sheet data for Fedbank Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 373.00 Cr.. The value appears strong and on an upward trend. It has increased from 369.00 Cr. (Mar 2024) to 373.00 Cr., marking an increase of 4.00 Cr..
• For Reserves, as of Mar 2025, the value is 2,175.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,891.00 Cr. (Mar 2024) to 2,175.00 Cr., marking an increase of 284.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 265.00 Cr.. The value appears to be improving (decreasing). It has decreased from 537.00 Cr. (Mar 2024) to 265.00 Cr., marking a decrease of 272.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 13,250.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,138.00 Cr. (Mar 2024) to 13,250.00 Cr., marking an increase of 2,112.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 189.00 Cr.. The value appears strong and on an upward trend. It has increased from 146.00 Cr. (Mar 2024) to 189.00 Cr., marking an increase of 43.00 Cr..
• For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Investments, as of Mar 2025, the value is 404.00 Cr.. The value appears to be declining and may need further review. It has decreased from 751.00 Cr. (Mar 2024) to 404.00 Cr., marking a decrease of 347.00 Cr..
• For Other Assets, as of Mar 2025, the value is 12,656.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,241.00 Cr. (Mar 2024) to 12,656.00 Cr., marking an increase of 2,415.00 Cr..
• For Total Assets, as of Mar 2025, the value is 13,250.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,138.00 Cr. (Mar 2024) to 13,250.00 Cr., marking an increase of 2,112.00 Cr..

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

Cash Flow

Free Cash Flow

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

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 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
• For Basic EPS (Rs.), as of Mar 25, the value is 6.06. This value is within the healthy range. It has decreased from 7.22 (Mar 24) to 6.06, marking a decrease of 1.16.
• For Diluted EPS (Rs.), as of Mar 25, the value is 6.04. This value is within the healthy range. It has decreased from 7.12 (Mar 24) to 6.04, marking a decrease of 1.08.
• For Cash EPS (Rs.), as of Mar 25, the value is 7.35. This value is within the healthy range. It has decreased from 7.63 (Mar 24) to 7.35, marking a decrease of 0.28.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 68.34. It has increased from 61.20 (Mar 24) to 68.34, marking an increase of 7.14.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 68.34. It has increased from 61.20 (Mar 24) to 68.34, marking an increase of 7.14.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 54.62. It has increased from 42.70 (Mar 24) to 54.62, marking an increase of 11.92.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 32.37. This value is within the healthy range. It has increased from 28.29 (Mar 24) to 32.37, marking an increase of 4.08.
• For PBIT / Share (Rs.), as of Mar 25, the value is 31.06. This value is within the healthy range. It has increased from 27.28 (Mar 24) to 31.06, marking an increase of 3.78.
• For PBT / Share (Rs.), as of Mar 25, the value is 8.15. This value is within the healthy range. It has decreased from 8.88 (Mar 24) to 8.15, marking a decrease of 0.73.
• For Net Profit / Share (Rs.), as of Mar 25, the value is 6.04. This value is within the healthy range. It has decreased from 6.62 (Mar 24) to 6.04, marking a decrease of 0.58.
• For PBDIT Margin (%), as of Mar 25, the value is 59.25. This value is within the healthy range. It has decreased from 66.25 (Mar 24) to 59.25, marking a decrease of 7.00.
• For PBIT Margin (%), as of Mar 25, the value is 56.85. This value exceeds the healthy maximum of 20. It has decreased from 63.88 (Mar 24) to 56.85, marking a decrease of 7.03.
• For PBT Margin (%), as of Mar 25, the value is 14.92. This value is within the healthy range. It has decreased from 20.80 (Mar 24) to 14.92, marking a decrease of 5.88.
• For Net Profit Margin (%), as of Mar 25, the value is 11.06. This value exceeds the healthy maximum of 10. It has decreased from 15.51 (Mar 24) to 11.06, marking a decrease of 4.45.
• For Return on Networth / Equity (%), as of Mar 25, the value is 8.83. This value is below the healthy minimum of 15. It has decreased from 10.82 (Mar 24) to 8.83, marking a decrease of 1.99.
• For Return on Capital Employeed (%), as of Mar 25, the value is 44.54. This value is within the healthy range. It has increased from 43.22 (Mar 24) to 44.54, marking an increase of 1.32.
• For Return On Assets (%), as of Mar 25, the value is 1.69. This value is below the healthy minimum of 5. It has decreased from 2.19 (Mar 24) to 1.69, marking a decrease of 0.50.
• For Total Debt / Equity (X), as of Mar 25, the value is 3.65. This value exceeds the healthy maximum of 1. It has increased from 3.63 (Mar 24) to 3.65, marking an increase of 0.02.
• For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. It has increased from 0.15 (Mar 24) to 0.16, marking an increase of 0.01.
• For Current Ratio (X), as of Mar 25, the value is 1.22. This value is below the healthy minimum of 1.5. It has decreased from 1.24 (Mar 24) to 1.22, marking a decrease of 0.02.
• For Quick Ratio (X), as of Mar 25, the value is 1.22. This value is within the healthy range. It has decreased from 1.24 (Mar 24) to 1.22, marking a decrease of 0.02.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 1.41. This value is below the healthy minimum of 3. It has decreased from 1.54 (Mar 24) to 1.41, marking a decrease of 0.13.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 3. It has decreased from 1.36 (Mar 24) to 1.26, marking a decrease of 0.10.
• For Enterprise Value (Cr.), as of Mar 25, the value is 11,532.62. It has decreased from 12,217.94 (Mar 24) to 11,532.62, marking a decrease of 685.32.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.66. This value exceeds the healthy maximum of 3. It has decreased from 7.75 (Mar 24) to 5.66, marking a decrease of 2.09.
• For EV / EBITDA (X), as of Mar 25, the value is 9.56. This value is within the healthy range. It has decreased from 11.69 (Mar 24) to 9.56, marking a decrease of 2.13.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.51. This value is within the healthy range. It has decreased from 2.66 (Mar 24) to 1.51, marking a decrease of 1.15.
• For Price / BV (X), as of Mar 25, the value is 1.21. This value is within the healthy range. It has decreased from 1.85 (Mar 24) to 1.21, marking a decrease of 0.64.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.51. This value is within the healthy range. It has decreased from 2.66 (Mar 24) to 1.51, marking a decrease of 1.15.
• For EarningsYield, as of Mar 25, the value is 0.07. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.07, marking an increase of 0.02.

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

Fair Value

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Strength and Weakness