Share Price and Basic Stock Data
Last Updated: November 3, 2025, 11:50 pm
| PEG Ratio | 1.60 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Fedbank Financial Services Ltd, operating in the Non-Banking Financial Company (NBFC) sector, reported a market capitalization of ₹5,365 Cr, with a current share price of ₹143. The company has demonstrated robust revenue growth, with total revenue increasing from ₹692 Cr in FY 2021 to ₹1,180 Cr in FY 2023, marking a compound annual growth rate (CAGR) of approximately 36.3%. In the trailing twelve months (TTM), revenue stood at ₹2,091 Cr, indicating a strong upward trajectory. Quarterly revenue figures also reflect this growth, with revenues rising from ₹199 Cr in March 2021 to ₹395 Cr in September 2023. The company has a diverse income stream, with financing profit contributing significantly to overall revenues, showcasing effective management and operational efficiency.
Profitability and Efficiency Metrics
Fedbank Financial Services has reported notable profitability metrics, with a net profit of ₹230 Cr in the TTM. The net profit margin for FY 2025 stood at 11.06%, up from 8.91% in FY 2021, indicating improved cost management and operational efficiency. The return on equity (ROE) was reported at 9.38%, while the return on capital employed (ROCE) stood at 9.82%, reflecting effective utilization of equity and debt resources. The interest coverage ratio (ICR) was recorded at 1.41x, suggesting that the company has a comfortable buffer to meet its interest obligations. However, the fluctuating financing margin percentage, which peaked at 23% in FY 2023 but declined to 15% in FY 2025, raises concerns about potential pricing pressures and competitive dynamics in the NBFC sector.
Balance Sheet Strength and Financial Ratios
Fedbank Financial Services’ balance sheet reveals a solid foundation with total assets amounting to ₹13,250 Cr as of FY 2025. The company’s reserves increased to ₹2,175 Cr from ₹1,034 Cr in FY 2023, demonstrating a commitment to strengthening its equity base. The debt-to-equity ratio stood at 3.65, indicating a relatively high leverage but not uncommon for the NBFC sector, which typically operates with higher debt levels. The price-to-book value ratio was reported at 1.21x, suggesting that the market values the company slightly above its book value, reflecting investor confidence. Additionally, the asset turnover ratio of 0.16 indicates the efficiency with which the company utilizes its assets to generate revenue, though this metric remains on the lower end compared to industry averages.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fedbank Financial Services as of June 2025 indicates a diverse ownership structure, with promoters holding 60.97%, domestic institutional investors (DIIs) at 20.11%, and foreign institutional investors (FIIs) at 0.77%. The steady promoter holding reflects confidence in the company’s long-term prospects. The public stake has also seen a gradual increase from 13.17% in December 2023 to 18.15% in June 2025, indicating growing retail investor interest. However, the diminishing FII participation, which fell from 2.54% in December 2023 to 0.77% in June 2025, could signal concerns about international market conditions or the company’s valuation. The total number of shareholders decreased from 1,68,184 in December 2023 to 1,43,731 in June 2025, suggesting a potential consolidation among investors.
Outlook, Risks, and Final Insight
Looking forward, Fedbank Financial Services is well-positioned to capitalize on the growing demand for credit in India, driven by economic recovery and increased consumer spending. However, risks remain, including rising interest rates that could impact borrowing costs and profitability. The decline in financing margin and fluctuating NPAs, with gross NPAs reaching 2.34% in September 2023, highlight potential asset quality concerns. The company must navigate these challenges while maintaining its growth trajectory. If Fedbank can successfully manage its operational efficiencies and maintain a healthy balance sheet, it stands to benefit from the expanding financial services market in India. Conversely, failure to address these risks could hinder its growth and profitability, impacting investor sentiment and market performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 13.2 Cr. | 1.32 | 1.91/0.85 | 88.0 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 10.9 Cr. | 1.09 | 14.3/1.06 | 32.2 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 528 Cr. | 162 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.4 Cr. | 18.9 | 39.8/17.5 | 13.0 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 43.6 Cr. | 96.8 | 180/90.0 | 23.3 | 238 | 1.03 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,095.21 Cr | 481.49 | 106.37 | 515.32 | 0.21% | 15.80% | 8.84% | 8.50 |
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 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 199 | 285 | 309 | 338 | 361 | 395 | 413 | 408 | 477 | 513 | 522 | 536 | 520 |
| Interest | 83 | 108 | 125 | 141 | 164 | 167 | 176 | 173 | 202 | 214 | 221 | 216 | 218 |
| Expenses | 75 | 111 | 117 | 124 | 124 | 144 | 156 | 154 | 184 | 207 | 273 | 210 | 190 |
| Financing Profit | 40 | 66 | 67 | 73 | 74 | 84 | 82 | 80 | 91 | 92 | 28 | 111 | 112 |
| Financing Margin % | 20% | 23% | 22% | 21% | 21% | 21% | 20% | 20% | 19% | 18% | 5% | 21% | 22% |
| Other Income | 1 | 8 | 10 | -7 | 6 | 3 | 16 | 20 | 14 | 6 | 10 | 1 | 1 |
| Depreciation | 8 | 10 | 11 | 11 | 9 | 9 | 10 | 9 | 11 | 12 | 13 | 13 | 12 |
| Profit before tax | 33 | 64 | 66 | 55 | 72 | 77 | 88 | 91 | 94 | 86 | 25 | 99 | 100 |
| Tax % | 29% | 28% | 23% | 29% | 25% | 25% | 26% | 26% | 25% | 25% | 25% | 27% | 25% |
| Net Profit | 23 | 46 | 51 | 39 | 54 | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 |
| 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 | 1.92 | 2.01 |
| Gross NPA % | 2.41% | 2.03% | 2.26% | 2.34% | 2.19% | 1.70% | 1.97% | 1.87% | 1.80% | 2.02% | 1.99% | ||
| Net NPA % | 1.95% | 1.59% | 1.78% | 1.83% | 1.66% | 1.30% | 1.60% | 1.47% | 1.10% | 1.22% | 1.24% |
Last Updated: August 19, 2025, 3:45 pm
Below is a detailed analysis of the quarterly data for Fedbank Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 218.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 216.00 Cr. (Mar 2025) to 218.00 Cr., marking an increase of 2.00 Cr..
- For Expenses, as of Jun 2025, the value is 190.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 210.00 Cr. (Mar 2025) to 190.00 Cr., marking a decrease of 20.00 Cr..
- For Other Income, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 12.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 13.00 Cr. (Mar 2025) to 12.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 100.00 Cr.. The value appears strong and on an upward trend. It has increased from 99.00 Cr. (Mar 2025) to 100.00 Cr., marking an increase of 1.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Mar 2025) to 25.00%, marking a decrease of 2.00%.
- For Net Profit, as of Jun 2025, the value is 75.00 Cr.. The value appears strong and on an upward trend. It has increased from 72.00 Cr. (Mar 2025) to 75.00 Cr., marking an increase of 3.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.01. The value appears strong and on an upward trend. It has increased from 1.92 (Mar 2025) to 2.01, marking an increase of 0.09.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:22 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 | 2,091 |
| Interest | 114 | 201 | 313 | 348 | 472 | 680 | 854 | 869 |
| Expenses | 83 | 190 | 280 | 359 | 442 | 578 | 873 | 879 |
| Financing Profit | 58 | 74 | 99 | 162 | 266 | 320 | 310 | 343 |
| Financing Margin % | 23% | 16% | 14% | 19% | 23% | 20% | 15% | 16% |
| Other Income | 0 | 2 | 6 | 14 | 19 | 46 | 43 | 18 |
| Depreciation | 8 | 19 | 27 | 37 | 42 | 37 | 49 | 50 |
| Profit before tax | 51 | 56 | 77 | 139 | 243 | 328 | 304 | 310 |
| Tax % | 29% | 30% | 20% | 26% | 26% | 25% | 26% | |
| Net Profit | 36 | 39 | 62 | 103 | 180 | 245 | 225 | 230 |
| EPS in Rs | 1.57 | 1.43 | 2.13 | 3.22 | 5.60 | 6.62 | 6.04 | 6.17 |
| 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: October 10, 2025, 4:02 pm
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 230 | 273 | 290 | 322 | 322 | 369 | 373 |
| Reserves | 229 | 418 | 545 | 832 | 1,034 | 1,891 | 2,175 |
| Borrowing | 1,639 | 3,307 | 4,453 | 5,154 | 7,270 | 8,340 | 10,437 |
| Other Liabilities | 53 | 88 | 179 | 248 | 445 | 537 | 265 |
| Total Liabilities | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 |
| Fixed Assets | 46 | 107 | 133 | 154 | 146 | 146 | 189 |
| CWIP | 0 | 0 | 1 | 1 | 1 | 0 | 1 |
| Investments | 13 | 41 | 32 | 514 | 681 | 751 | 404 |
| Other Assets | 2,092 | 3,938 | 5,300 | 5,887 | 8,244 | 10,241 | 12,656 |
| Total Assets | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 |
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 1.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Mar 2024) to 1.00 Cr., marking an increase of 1.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| Taurus Flexi Cap Fund | 251,905 | 1.1 | 3.88 | N/A | N/A | N/A |
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.) | 6.04 | 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) | 3.65 | 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.) | 11532.62 | 12217.94 | 0.00 | 0.00 | 0.00 |
| EV / Net Operating Revenue (X) | 5.66 | 7.75 | 0.00 | 0.00 | 0.00 |
| EV / EBITDA (X) | 9.56 | 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 6.04. 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.
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:
- 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: 8.76%)
- 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: 22.2 (Industry average Stock P/E: 84.68)
- 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: 3.65
- 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 | 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 intrinsic value of Fedbank Financial Services Ltd?
Fedbank Financial Services Ltd's intrinsic value (as of 04 November 2025) is 123.19 which is 15.62% lower the current market price of 146.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,454 Cr. market cap, FY2025-2026 high/low of 167/80.0, reserves of ₹2,175 Cr, and liabilities of 13,250 Cr.
What is the Market Cap of Fedbank Financial Services Ltd?
The Market Cap of Fedbank Financial Services Ltd is 5,454 Cr..
What is the current Stock Price of Fedbank Financial Services Ltd as on 04 November 2025?
The current stock price of Fedbank Financial Services Ltd as on 04 November 2025 is 146.
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 22.2.
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.