Fedbank Financial Services Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Fedbank Financial Services Ltd?

Fedbank Financial Services Ltd is trading at 131.00 as of 20 April 2026, with a FY2026-2027 high of 178 and low of 80.0. The stock is currently in the middle of its 52-week range. Market cap stands at 4,887 Cr..

Q: Is Fedbank Financial Services Ltd financially healthy?

Key indicators: ROCE of 9.82 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Fedbank Financial Services Ltd profitable and how is the profit trend?

Fedbank Financial Services Ltd reported a net profit of 225 Cr in Mar 2025 on revenue of 2,037 Cr. Compared to 103 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹85.89Overvalued by 34.44%vs CMP ₹131.00

P/E (15.5) × ROE (9.4%) × BV (₹72.40) × DY (2.00%)

₹116.01Overvalued by 11.44%vs CMP ₹131.00

MoS: -12.9% (Negative)Confidence: 54/100 (Moderate)Models: 2 Under, 6 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹104.10	24%	Over (-20.5%)
Graham Number	Earnings	₹117.12	17%	Over (-10.6%)
Earnings Power	Earnings	₹49.33	12%	Over (-62.3%)
DCF	Cash Flow	₹207.16	12%	Under (+58.1%)
Net Asset Value	Assets	₹72.64	8%	Over (-44.5%)
EV/EBITDA	Enterprise	₹13.13	10%	Over (-90%)
Earnings Yield	Earnings	₹84.20	8%	Over (-35.7%)
ROCE Capital	Returns	₹277.44	10%	Under (+111.8%)
Consensus (8 models)		₹116.01	100%	Overvalued

Key Drivers: Wide model spread (₹13–₹277) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 21.2%

*Investments are subject to market risks

Analyst Summary

Fedbank Financial Services Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: FEDFINA | BSE: 544027, current market price is ₹131.00, market cap is 4,887 Cr.. At a glance, stock P/E is 15.5, ROE is 9.38 %, ROCE is 9.82 %, book value is 72.4, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹116.01, around 11.4% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹2,037 Cr versus the prior period change of 29.2%, while latest net profit is about ₹225 Cr with a prior-period change of -8.2%. This analysis page also carries profit and loss, shareholding pattern, ratio panels, mutual fund holdings data, which improves the depth of the template beyond a thin price-only snapshot. The 52-week range shown on this page is 178/80.0, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisFedbank 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 Com…

This summary is generated from the stock page data available for Fedbank Financial Services Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Fedbank Financial Services Ltd scores 57/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health54/100 · Moderate

ROCE 9.8% AverageROE 9.4% AverageD/E 5.19 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money50/100 · Moderate

FII holding up 0.42% (6mo) Slight increaseDII holding down 2.64% MF sellingPromoter holding at 60.8% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum70/100 · Strong

Profit (4Q): +42% YoY Strong

Industry Rank65/100 · Strong

P/E 15.5 vs industry 101.6 Cheaper than peersROCE 9.8% vs industry 15.8% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:35 am

Market Cap	4,887 Cr.
Current Price	131
Intrinsic Value	₹116.01
High / Low	178/80.0
Stock P/E	15.5
Book Value	72.4
Dividend Yield	0.00 %
ROCE	9.82 %
ROE	9.38 %
Face Value	10.0
PEG Ratio	0.73

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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Fedbank Financial Services Ltd	4,887 Cr.	131	178/80.0	15.5	72.4	0.00 %	9.82 %	9.38 %	10.0
Dhenu Buildcon Infra Ltd	4,765 Cr.	8.03	8.60/5.09	3,610	0.01	0.00 %	0.08 %	14.3 %	1.00
Bengal & Assam Company Ltd	6,524 Cr.	5,721	9,200/5,312	7.67	8,954	0.87 %	4.22 %	7.64 %	10.0
Mufin Green Finance Ltd	1,765 Cr.	102	126/63.1	83.7	18.4	0.00 %	12.6 %	7.89 %	1.00
Arman Financial Services Ltd	1,561 Cr.	1,485	1,850/1,111	55.1	830	0.00 %	13.3 %	6.17 %	10.0
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Fedbank Financial Services Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	309	338	361	395	413	408	477	513	530	536	517	535	555
Interest	125	141	164	167	176	173	202	214	221	216	218	214	208
Expenses	117	124	124	144	156	154	184	207	273	210	187	202	215
Financing Profit	67	73	74	84	82	80	91	92	36	111	112	120	132
Financing Margin %	22%	21%	21%	21%	20%	20%	19%	18%	7%	21%	22%	22%	24%
Other Income	10	-7	6	3	16	20	14	6	2	1	1	1	1
Depreciation	11	11	9	9	10	9	11	12	13	13	12	13	14
Profit before tax	66	55	72	77	88	91	94	86	25	99	100	107	118
Tax %	23%	29%	25%	25%	26%	26%	25%	25%	25%	27%	25%	25%	26%
Net Profit	51	39	54	58	65	68	70	65	19	72	75	80	88
EPS in Rs	1.59	1.21	1.68	1.80	1.77	1.83	1.89	1.74	0.50	1.92	2.01	2.14	2.35
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%	2.06%
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%	1.40%

Last Updated: February 2, 2026, 12:46 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 5:10 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	2,143
Interest	114	201	313	348	472	680	854	856
Expenses	83	190	280	359	442	578	873	813
Financing Profit	58	74	99	162	266	320	310	474
Financing Margin %	23%	16%	14%	19%	23%	20%	15%	22%
Other Income	0	2	6	14	19	46	43	3
Depreciation	8	19	27	37	42	37	49	53
Profit before tax	51	56	77	139	243	328	304	425
Tax %	29%	30%	20%	26%	26%	25%	26%
Net Profit	36	39	62	103	180	245	225	315
EPS in Rs	1.57	1.43	2.13	3.22	5.60	6.62	6.04	8.42
Dividend Payout %	0%	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	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

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-445	-1,397	-371	-578	-1,474	-776	-978
Cash from Investing Activity +	-55	-69	-71	-417	-130	-100	329
Cash from Financing Activity +	495	1,599	825	535	1,632	967	1,187
Net Cash Flow	-5	133	384	-460	28	92	539
Free Cash Flow	-449	-1,416	-382	-605	-1,489	-789	-996
CFO/OP	-249%	-502%	-86%	-104%	-192%	-70%	-77%

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	61.65%	61.58%	61.35%	61.16%	61.04%	61.03%	60.97%	60.88%	60.81%
FIIs	2.54%	1.05%	0.85%	0.63%	0.52%	0.49%	0.77%	1.17%	0.91%
DIIs	22.64%	23.17%	23.43%	22.56%	21.36%	20.81%	20.11%	19.36%	18.17%
Public	13.17%	14.19%	14.38%	15.64%	17.08%	17.67%	18.15%	18.59%	20.11%
No. of Shareholders	1,68,184	1,55,066	1,46,526	1,46,611	1,52,749	1,49,276	1,43,731	1,27,424	1,27,190

Shareholding Pattern Chart

No. of Shareholders

Fedbank Financial Services Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Bandhan Small Cap Fund	7,691,132	0.49	100.65	6,770,000	2026-03-22 13:33:39	13.61%
Taurus Flexi Cap Fund	376,905	1.42	4.93	301,905	2026-03-12 07:00:07	24.84%

ROCE Trend

EPS Trend

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 2035.79 Cr. and Equity Capital is Rs. 372.72 Cr. for the Year ended 31/03/2025.

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 and is it undervalued?

As of 20 April 2026, Fedbank Financial Services Ltd's intrinsic value is ₹116.01, which is 11.44% lower than the current market price of ₹131.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (9.38 %), book value (₹72.4), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Fedbank Financial Services Ltd?

Fedbank Financial Services Ltd is trading at ₹131.00 as of 20 April 2026, with a FY2026-2027 high of ₹178 and low of ₹80.0. The stock is currently in the middle of its 52-week range. Market cap stands at ₹4,887 Cr..

How does Fedbank Financial Services Ltd's P/E ratio compare to its industry?

Fedbank Financial Services Ltd has a P/E ratio of 15.5, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Fedbank Financial Services Ltd financially healthy?

Key indicators for Fedbank Financial Services Ltd: ROCE of 9.82 % is on the lower side compared to the industry average of 15.81%. Dividend yield is 0.00 %.

Is Fedbank Financial Services Ltd profitable and how is the profit trend?

Fedbank Financial Services Ltd reported a net profit of ₹225 Cr in Mar 2025 on revenue of ₹2,037 Cr. Compared to ₹103 Cr in Mar 2022, the net profit shows an improving trend.

Does Fedbank Financial Services Ltd pay dividends?

Fedbank Financial Services Ltd has a dividend yield of 0.00 % at the current price of ₹131.00. The company is currently not paying meaningful dividends.