Share Price and Basic Stock Data
Last Updated: January 6, 2026, 9:23 pm
| PEG Ratio | 1.60 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Fedbank Financial Services Ltd operates as a non-banking financial company (NBFC) and has demonstrated a consistent upward trend in revenue over the recent quarters. The company reported revenues of ₹285 Cr in September 2022, which rose to ₹395 Cr by September 2023, indicating a year-over-year growth of approximately 39%. This upward trajectory continued with revenues of ₹413 Cr in December 2023 and ₹408 Cr in March 2024. For the financial year 2025, the revenue is projected to reach ₹2,037 Cr, up from ₹1,180 Cr in FY 2023. This growth in revenue reflects the company’s ability to expand its operational footprint and enhance its service offerings. However, the revenue growth rate has faced some fluctuations, particularly in the latter half of FY 2025, where it recorded ₹517 Cr in June and ₹536 Cr in September. This suggests that while Fedbank is improving its revenue base, certain operational challenges may need addressing to sustain growth momentum.
Profitability and Efficiency Metrics
Profitability metrics for Fedbank Financial Services Ltd show a mixed picture. The company recorded a net profit of ₹246 Cr for FY 2025, reflecting a slight decline from ₹225 Cr in the previous financial year. However, the net profit margin stood at 11.06% for FY 2025, slightly lower than 15.28% in FY 2023, indicating pressures on profitability from rising expenses, which reached ₹873 Cr in FY 2025 compared to ₹442 Cr in FY 2023. The return on equity (ROE) for FY 2025 was reported at 9.38%, down from 15% in FY 2023, suggesting a potential decrease in efficiency in generating profits from shareholders’ equity. The interest coverage ratio stood at 1.41x, which, while indicating the company can meet its interest obligations, is lower than typical sector thresholds. The financing margin has also seen a decline, falling to 15% for FY 2025, which could raise concerns about the sustainability of profit levels in the face of increasing competition and operational costs.
Balance Sheet Strength and Financial Ratios
Fedbank’s balance sheet reflects a robust growth in reserves and total assets, with reserves increasing to ₹2,336 Cr by September 2025 from ₹1,034 Cr in FY 2023. Total assets stood at ₹13,362 Cr, indicating strong asset growth driven by an increase in borrowings, which reached ₹10,391 Cr. However, the debt-to-equity ratio is concerning at 4.03x for FY 2025, suggesting high leverage that could pose risks in adverse market conditions. The company’s book value per share has grown to ₹68.34, up from ₹41.73 in FY 2023, signaling improved shareholder value. The return on capital employed (ROCE) was reported at 9.82%, which indicates effective use of capital but still lags behind industry benchmarks. Additionally, the interest coverage ratio of 1.41x, while acceptable, suggests limited flexibility in managing financial obligations, which could be a risk if operational performance does not improve.
Shareholding Pattern and Investor Confidence
Investor confidence in Fedbank Financial Services Ltd is reflected in its shareholding pattern, with promoters holding 60.88% as of September 2025, a slight decline from previous quarters. The presence of domestic institutional investors (DIIs) at 19.36% indicates a moderate level of institutional support, although foreign institutional investors (FIIs) have decreased their stake to 1.17%. The total number of shareholders has reduced to 1,27,424, suggesting a potential consolidation of ownership. This pattern may reflect investor concerns regarding the company’s profitability and growth prospects in a competitive landscape. The declining percentage of promoter holdings could indicate a shift in management focus or strategy. However, the steady DII presence suggests that institutional investors still see value in the company, potentially stabilizing investor sentiment amid market fluctuations.
Outlook, Risks, and Final Insight
The outlook for Fedbank Financial Services Ltd hinges on its ability to navigate operational challenges and enhance profitability. Key strengths include robust revenue growth and a strong reserve base, which can provide a buffer against market volatility. However, risks such as high leverage, declining profitability metrics, and increasing operational expenses could hinder performance. If Fedbank can effectively manage its costs and improve its financing margins, it may stabilize its profitability and attract more institutional investment. Conversely, failure to address these risks could lead to further declines in investor confidence and profitability. The company’s adaptability in a rapidly changing financial landscape will be crucial for its future performance and growth potential.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.2 Cr. | 1.42 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 8.29/0.70 | 21.0 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 387 Cr. | 59.2 | 125/55.4 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.2 Cr. | 16.6 | 29.9/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 33.8 Cr. | 75.0 | 152/70.0 | 18.0 | 238 | 1.33 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,815.78 Cr | 442.78 | 50.35 | 522.43 | 0.23% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 285 | 309 | 338 | 361 | 395 | 413 | 408 | 477 | 513 | 522 | 536 | 517 | 535 |
| Interest | 108 | 125 | 141 | 164 | 167 | 176 | 173 | 202 | 214 | 221 | 216 | 218 | 214 |
| Expenses | 111 | 117 | 124 | 124 | 144 | 156 | 154 | 184 | 207 | 273 | 210 | 187 | 202 |
| Financing Profit | 66 | 67 | 73 | 74 | 84 | 82 | 80 | 91 | 92 | 28 | 111 | 112 | 120 |
| Financing Margin % | 23% | 22% | 21% | 21% | 21% | 20% | 20% | 19% | 18% | 5% | 21% | 22% | 22% |
| Other Income | 8 | 10 | -7 | 6 | 3 | 16 | 20 | 14 | 6 | 10 | 1 | 1 | 1 |
| Depreciation | 10 | 11 | 11 | 9 | 9 | 10 | 9 | 11 | 12 | 13 | 13 | 12 | 13 |
| Profit before tax | 64 | 66 | 55 | 72 | 77 | 88 | 91 | 94 | 86 | 25 | 99 | 100 | 107 |
| Tax % | 28% | 23% | 29% | 25% | 25% | 26% | 26% | 25% | 25% | 25% | 27% | 25% | 25% |
| Net Profit | 46 | 51 | 39 | 54 | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 |
| EPS in Rs | 1.44 | 1.59 | 1.21 | 1.68 | 1.80 | 1.77 | 1.83 | 1.89 | 1.74 | 0.50 | 1.92 | 2.01 | 2.14 |
| Gross NPA % | 2.41% | 2.03% | 2.26% | 2.34% | 2.19% | 1.70% | 1.97% | 1.87% | 1.80% | 2.02% | 1.99% | 1.90% | |
| Net NPA % | 1.95% | 1.59% | 1.78% | 1.83% | 1.66% | 1.30% | 1.60% | 1.47% | 1.10% | 1.22% | 1.24% | 1.30% |
Last Updated: December 27, 2025, 12:37 am
Below is a detailed analysis of the quarterly data for Fedbank Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 214.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 218.00 Cr. (Jun 2025) to 214.00 Cr., marking a decrease of 4.00 Cr..
- For Expenses, as of Sep 2025, the value is 202.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 187.00 Cr. (Jun 2025) to 202.00 Cr., marking an increase of 15.00 Cr..
- For Other Income, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 13.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12.00 Cr. (Jun 2025) to 13.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 107.00 Cr.. The value appears strong and on an upward trend. It has increased from 100.00 Cr. (Jun 2025) to 107.00 Cr., marking an increase of 7.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 25.00%.
- For Net Profit, as of Sep 2025, the value is 80.00 Cr.. The value appears strong and on an upward trend. It has increased from 75.00 Cr. (Jun 2025) to 80.00 Cr., marking an increase of 5.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 2.14. The value appears strong and on an upward trend. It has increased from 2.01 (Jun 2025) to 2.14, marking an increase of 0.13.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:45 am
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 255 | 464 | 692 | 869 | 1,180 | 1,577 | 2,037 | 2,110 |
| Interest | 114 | 201 | 313 | 348 | 472 | 680 | 854 | 869 |
| Expenses | 83 | 190 | 280 | 359 | 442 | 578 | 873 | 871 |
| Financing Profit | 58 | 74 | 99 | 162 | 266 | 320 | 310 | 371 |
| Financing Margin % | 23% | 16% | 14% | 19% | 23% | 20% | 15% | 18% |
| Other Income | 0 | 2 | 6 | 14 | 19 | 46 | 43 | 12 |
| Depreciation | 8 | 19 | 27 | 37 | 42 | 37 | 49 | 52 |
| Profit before tax | 51 | 56 | 77 | 139 | 243 | 328 | 304 | 332 |
| Tax % | 29% | 30% | 20% | 26% | 26% | 25% | 26% | |
| Net Profit | 36 | 39 | 62 | 103 | 180 | 245 | 225 | 246 |
| EPS in Rs | 1.57 | 1.43 | 2.13 | 3.22 | 5.60 | 6.62 | 6.04 | 6.57 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% |
YoY Net Profit Growth
| Year | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 8.33% | 58.97% | 66.13% | 74.76% | 36.11% | -8.16% |
| Change in YoY Net Profit Growth (%) | 0.00% | 50.64% | 7.15% | 8.63% | -38.65% | -44.27% |
Fedbank Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: December 4, 2025, 2:51 am
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 230 | 273 | 290 | 322 | 322 | 369 | 373 | 374 |
| Reserves | 229 | 418 | 545 | 832 | 1,034 | 1,891 | 2,175 | 2,336 |
| Borrowing | 1,639 | 3,307 | 4,453 | 5,154 | 7,270 | 8,340 | 10,437 | 10,391 |
| Other Liabilities | 53 | 88 | 179 | 248 | 445 | 537 | 265 | 262 |
| Total Liabilities | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 | 13,362 |
| Fixed Assets | 46 | 107 | 133 | 154 | 146 | 146 | 189 | 184 |
| CWIP | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 2 |
| Investments | 13 | 41 | 32 | 514 | 681 | 751 | 404 | 546 |
| Other Assets | 2,092 | 3,938 | 5,300 | 5,887 | 8,244 | 10,241 | 12,656 | 12,630 |
| Total Assets | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 | 13,362 |
Below is a detailed analysis of the balance sheet data for Fedbank Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 374.00 Cr.. The value appears strong and on an upward trend. It has increased from 373.00 Cr. (Mar 2025) to 374.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,336.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,175.00 Cr. (Mar 2025) to 2,336.00 Cr., marking an increase of 161.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 262.00 Cr.. The value appears to be improving (decreasing). It has decreased from 265.00 Cr. (Mar 2025) to 262.00 Cr., marking a decrease of 3.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 13,362.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 13,250.00 Cr. (Mar 2025) to 13,362.00 Cr., marking an increase of 112.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 184.00 Cr.. The value appears to be declining and may need further review. It has decreased from 189.00 Cr. (Mar 2025) to 184.00 Cr., marking a decrease of 5.00 Cr..
- For CWIP, as of Sep 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Mar 2025) to 2.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 546.00 Cr.. The value appears strong and on an upward trend. It has increased from 404.00 Cr. (Mar 2025) to 546.00 Cr., marking an increase of 142.00 Cr..
- For Other Assets, as of Sep 2025, the value is 12,630.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,656.00 Cr. (Mar 2025) to 12,630.00 Cr., marking a decrease of 26.00 Cr..
- For Total Assets, as of Sep 2025, the value is 13,362.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,250.00 Cr. (Mar 2025) to 13,362.00 Cr., marking an increase of 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
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Free Cash Flow | 82.00 | 187.00 | 276.00 | 354.00 | 435.00 | 570.00 | 863.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| ROE % | 7% | 8% | 10% | 15% | 14% | 9% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Bandhan Small Cap Fund | 7,241,465 | 0.58 | 106.28 | 7,377,916 | 2025-12-15 01:42:39 | -1.85% |
| Taurus Flexi Cap Fund | 301,905 | 1.21 | 4.43 | 251,905 | 2025-10-30 03:50:50 | 19.85% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 6.06 | 7.22 | 5.60 | 3.32 | 2.19 |
| Diluted EPS (Rs.) | 6.06 | 7.12 | 5.59 | 3.31 | 2.18 |
| Cash EPS (Rs.) | 7.35 | 7.63 | 6.90 | 4.36 | 3.07 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 68.34 | 61.20 | 41.73 | 35.88 | 28.78 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 68.34 | 61.20 | 41.73 | 35.88 | 28.78 |
| Revenue From Operations / Share (Rs.) | 54.62 | 42.70 | 36.62 | 27.04 | 23.86 |
| PBDIT / Share (Rs.) | 32.37 | 28.29 | 23.99 | 16.28 | 14.40 |
| PBIT / Share (Rs.) | 31.06 | 27.28 | 22.69 | 15.14 | 13.46 |
| PBT / Share (Rs.) | 8.15 | 8.88 | 7.55 | 4.33 | 2.65 |
| Net Profit / Share (Rs.) | 6.04 | 6.62 | 5.59 | 3.22 | 2.13 |
| PBDIT Margin (%) | 59.25 | 66.25 | 65.52 | 60.22 | 60.33 |
| PBIT Margin (%) | 56.85 | 63.88 | 61.97 | 56.00 | 56.38 |
| PBT Margin (%) | 14.92 | 20.80 | 20.61 | 16.01 | 11.11 |
| Net Profit Margin (%) | 11.06 | 15.51 | 15.28 | 11.90 | 8.91 |
| Return on Networth / Equity (%) | 8.83 | 10.82 | 13.40 | 8.96 | 7.39 |
| Return on Capital Employeed (%) | 44.54 | 43.22 | 51.46 | 41.10 | 45.83 |
| Return On Assets (%) | 1.69 | 2.19 | 1.98 | 1.57 | 1.12 |
| Total Debt / Equity (X) | 4.03 | 3.63 | 5.31 | 4.35 | 5.19 |
| Asset Turnover Ratio (%) | 0.16 | 0.15 | 0.15 | 0.14 | 0.14 |
| Current Ratio (X) | 1.22 | 1.24 | 1.16 | 1.18 | 1.14 |
| Quick Ratio (X) | 1.22 | 1.24 | 1.16 | 1.18 | 1.14 |
| Interest Coverage Ratio (X) | 1.41 | 1.54 | 1.64 | 1.51 | 1.33 |
| Interest Coverage Ratio (Post Tax) (X) | 1.26 | 1.36 | 1.41 | 1.30 | 1.20 |
| Enterprise Value (Cr.) | 12508.91 | 12217.94 | 0.00 | 0.00 | 0.00 |
| EV / Net Operating Revenue (X) | 6.14 | 7.75 | 0.00 | 0.00 | 0.00 |
| EV / EBITDA (X) | 10.37 | 11.69 | 0.00 | 0.00 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 1.51 | 2.66 | 0.00 | 0.00 | 0.00 |
| Price / BV (X) | 1.21 | 1.85 | 0.00 | 0.00 | 0.00 |
| Price / Net Operating Revenue (X) | 1.51 | 2.66 | 0.00 | 0.00 | 0.00 |
| EarningsYield | 0.07 | 0.05 | 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 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 6.06. This value is within the healthy range. It has decreased from 7.12 (Mar 24) to 6.06, marking a decrease of 1.06.
- 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 4.03. This value exceeds the healthy maximum of 1. It has increased from 3.63 (Mar 24) to 4.03, marking an increase of 0.40.
- 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 12,508.91. It has increased from 12,217.94 (Mar 24) to 12,508.91, marking an increase of 290.97.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.14. This value exceeds the healthy maximum of 3. It has decreased from 7.75 (Mar 24) to 6.14, marking a decrease of 1.61.
- For EV / EBITDA (X), as of Mar 25, the value is 10.37. This value is within the healthy range. It has decreased from 11.69 (Mar 24) to 10.37, marking a decrease of 1.32.
- 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.
Strength and Weakness
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:
- Net Profit Margin: 11.06%
- 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.
- ROCE: 44.54% (Industry Average ROCE: 15.8%)
- 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.
- ROE%: 8.83% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.26
- 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.
- Quick Ratio: 1.22
- 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.
- Stock P/E: 24.6 (Industry average Stock P/E: 50.35)
- 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.
- Total Debt / Equity: 4.03
- 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.
Stock Rating: - Net Profit Margin: 11.06%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Unit No. 1101, 11th Floor, Cignus, Plot No. 71A, Mumbai Maharashtra 400087 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Shyam Srinivasan | Chairman & Non-Exe.Director |
| Mr. Parvez Mulla | Managing Director & CEO |
| Ms. Mona Bhide | Independent Director |
| Mr. Muralidharan Rajamani | Independent Director |
| Mr. Sunil Satyapal Gulati | Independent Director |
| Mr. Ramesh Sundararajan | Independent Director |
| Ms. Sonal Dave | Independent Director |
| Mr. Harsh Dugar | Non Exe. & Nominee Director |
| Mr. Maninder Singh Juneja | Non Exe. & Nominee Director |
| Mr. Krishnan Venkat Subramanian | Non Exe. & Nominee Director |
FAQ
What is the intrinsic value of Fedbank Financial Services Ltd?
Fedbank Financial Services Ltd's intrinsic value (as of 06 January 2026) is ₹136.51 which is 15.21% lower the current market price of ₹161.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹6,031 Cr. market cap, FY2025-2026 high/low of ₹167/80.0, reserves of ₹2,336 Cr, and liabilities of ₹13,362 Cr.
What is the Market Cap of Fedbank Financial Services Ltd?
The Market Cap of Fedbank Financial Services Ltd is 6,031 Cr..
What is the current Stock Price of Fedbank Financial Services Ltd as on 06 January 2026?
The current stock price of Fedbank Financial Services Ltd as on 06 January 2026 is ₹161.
What is the High / Low of Fedbank Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Fedbank Financial Services Ltd stocks is ₹167/80.0.
What is the Stock P/E of Fedbank Financial Services Ltd?
The Stock P/E of Fedbank Financial Services Ltd is 24.6.
What is the Book Value of Fedbank Financial Services Ltd?
The Book Value of Fedbank Financial Services Ltd is 72.5.
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 9.82 %.
What is the ROE of Fedbank Financial Services Ltd?
The ROE of Fedbank Financial Services Ltd is 9.38 %.
What is the Face Value of Fedbank Financial Services Ltd?
The Face Value of Fedbank Financial Services Ltd is 10.0.