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Last Updated: April 2, 2026, 3:47 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 500469 | NSE: FEDERALBNK

Federal Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹245.34Fairly Valued by 8.46%vs CMP ₹268.00

P/E (16.1) × ROE (12.9%) × BV (₹147.00) × DY (0.45%)

₹208.07Overvalued by 22.36%vs CMP ₹268.00
MoS: -28.8% (Negative)Confidence: 50/100 (Moderate)Models: 1 Under, 1 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹275.2426%Fair (+2.7%)
Graham NumberEarnings₹234.6719%Over (-12.4%)
Earnings PowerEarnings₹131.5213%Over (-50.9%)
DCFCash Flow₹310.9116%Under (+16%)
Net Asset ValueAssets₹147.398%Over (-45%)
EV/EBITDAEnterprise₹11.7010%Over (-95.6%)
Earnings YieldEarnings₹166.508%Over (-37.9%)
Consensus (7 models)₹208.07100%Overvalued
Key Drivers: Wide model spread (₹12–₹311) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 12.2%

*Investments are subject to market risks

Investment Snapshot

55
Federal Bank Ltd scores 55/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health62/100 · Moderate
ROCE 7.0% WeakROE 12.9% GoodD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money45/100 · Moderate
FII holding down -1.34% (6mo) SellingDII holding up 2.03% MF buying
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +3% YoY Positive
Industry Rank50/100 · Moderate
P/E 16.1 vs industry 15.0 In-lineROCE 7.0% vs industry 6.8% 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.

Federal Bank Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
20/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 16.1 vs Ind 15.0 | ROCE 7.0% | ROE 12.9% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 0.00x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹4,234 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII -0.60 pp | DII +1.39 pp | Prom N/A
Business Momentum
+12
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +10.0% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-22.4%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change-0.60 ppLatest FII% minus previous FII%
DII Change+1.39 ppLatest DII% minus previous DII%
Promoter ChangeN/ALatest promoter% minus previous promoter%
Shareholder Count Change-25,114Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+10.0%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:47 am

Market Cap 65,944 Cr.
Current Price 268
Intrinsic Value₹208.07
High / Low 302/183
Stock P/E16.1
Book Value 147
Dividend Yield0.45 %
ROCE7.03 %
ROE12.9 %
Face Value 2.00
PEG Ratio1.32

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

View Share Price Target for Federal Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Federal Bank Ltd 65,944 Cr. 268 302/18316.1 1470.45 %7.03 %12.9 % 2.00
IndusInd Bank Ltd 61,210 Cr. 786 969/618 8300.00 %6.49 %4.15 % 10.0
Yes Bank Ltd 56,201 Cr. 17.9 24.3/16.117.7 16.00.00 %6.36 %5.46 % 2.00
IDFC First Bank Ltd 51,765 Cr. 60.2 87.0/52.532.9 54.50.42 %6.22 %4.21 % 10.0
Karur Vysya Bank Ltd 28,208 Cr. 292 344/15812.3 1320.74 %7.38 %17.6 % 2.00
Industry Average135,761.26 Cr305.6715.04214.170.61%6.84%11.80%6.30

All Competitor Stocks of Federal Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue4,6985,0125,3505,7916,0856,3396,7287,0067,2657,1087,1517,2167,360
Interest 2,5852,9383,2553,5443,7603,9364,2124,3934,5704,4564,5404,4294,401
Expenses 1,5441,5741,6341,6611,8141,9172,0482,1492,3492,2652,5062,5192,595
Financing Profit569500461586511486468463346386105267365
Financing Margin %12%10%9%10%8%8%7%7%5%5%1%4%5%
Other Income 5657687417579088109361,0109311,0471,1641,1051,143
Depreciation 0000000000000
Profit before tax 1,1341,2691,2021,3431,4201,2961,4041,4731,2771,4341,2701,3731,507
Tax % 25%26%26%26%25%25%26%25%26%23%25%26%25%
Net Profit 8569648941,0071,0679961,0471,1159511,1209511,0231,125
EPS in Rs 3.994.514.164.234.263.994.204.473.854.443.744.034.44
Gross NPA %2.42%2.35%2.37%2.27%2.28%2.11%
Net NPA %0.77%0.73%0.74%0.68%0.68%0.63%

Last Updated: February 3, 2026, 10:16 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 4:10 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7,0067,4887,8268,7839,91511,63513,59014,31414,38217,81223,56528,10628,835
Interest 4,7285,0565,2595,6536,2267,3168,6788,4357,9599,97514,49517,63117,826
Expenses 1,6641,7012,5292,7493,3313,5724,6085,5275,7585,8286,7928,5239,885
Financing Profit614731383823587473043526642,0092,2781,9521,124
Financing Margin %9%10%0%4%4%6%2%2%5%11%10%7%4%
Other Income 6858798081,0841,1601,3351,8821,9722,1212,4363,2163,9244,460
Depreciation 98791081241251221261151391822342880
Profit before tax 1,2021,5307391,3421,3931,9602,0602,2092,6464,2635,2615,5885,583
Tax % 31%34%34%36%35%35%25%25%26%26%25%25%
Net Profit 8501,0584868679351,3181,5901,6801,9963,2103,9644,2344,219
EPS in Rs 4.976.172.835.034.746.637.938.349.3714.9515.9316.9316.65
Dividend Payout % 20%18%25%18%21%21%0%8%19%7%8%7%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)24.47%-54.06%78.40%7.84%40.96%20.64%5.66%18.81%60.82%23.49%6.81%
Change in YoY Net Profit Growth (%)0.00%-78.53%132.46%-70.55%33.12%-20.33%-14.98%13.15%42.01%-37.33%-16.68%

Federal Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:14%
5 Years:16%
3 Years:25%
TTM:14%
Compounded Profit Growth
10 Years:15%
5 Years:21%
3 Years:28%
TTM:1%
Stock Price CAGR
10 Years:13%
5 Years:29%
3 Years:16%
1 Year:0%
Return on Equity
10 Years:12%
5 Years:13%
3 Years:14%
Last Year:13%

Last Updated: September 5, 2025, 1:41 pm

Balance Sheet

Last Updated: December 4, 2025, 2:05 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 171171344345394397399399421423487491492
Reserves 6,6907,5297,7208,60711,88013,10114,42416,10518,83521,69929,61834,04735,774
Deposits59,72970,82379,17197,662111,970134,879152,252172,186181,678212,988252,455283,484288,862
Borrowing5,7682,3935,2366,34512,3298,70612,52812,27119,58725,86225,16032,59626,930
Other Liabilities 2,2861,9932,2342,5272,6403,4693,7514,0065,7217,03110,1199,62615,508
Total Liabilities 74,64382,90994,706115,486139,214160,552183,353204,967226,241268,004317,839360,244367,566
Fixed Assets 4144465084774524624775046438909961,4561,508
CWIP 2327161510182813298167720
Investments 23,83920,34924,92027,91230,59531,67635,71536,73239,06548,70261,04366,05870,296
Other Assets 50,36862,08769,26287,081108,158128,397147,133167,717186,504218,330255,733292,658295,762
Total Assets 74,64382,90994,706115,486139,214160,552183,353204,967226,241268,004317,839360,244367,566

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 1,1975,158-1,5573,431-5,0517,8733,73111,179-7,7744896,4318,801
Cash from Investing Activity + -737-1,3641,990-2,384-1,579-3,378-4,688-3,913901-9,860-8,912-3,799
Cash from Financing Activity + 349-3,5442059858,371-3,6373,661-2088,1936,0383,8717,401
Net Cash Flow 8082506392,0321,7418582,7047,0581,320-3,3321,39012,403
Free Cash Flow 1,0785,039-1,7173,338-5,1457,7503,58511,053-8,06286,1148,050
CFO/OP 34%100%-29%64%-66%107%49%134%-80%14%46%52%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-58.00-69.00-77.00-95.00-108.00-131.00-148.00-167.00-176.00-207.00-246.00-275.00

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 13%15%6%10%9%10%11%11%11%15%15%13%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
FIIs 26.94%26.27%27.02%29.38%28.57%28.63%27.72%26.32%26.28%26.86%25.54%24.94%
DIIs 43.66%42.11%45.74%44.39%45.16%44.97%46.95%48.90%49.07%48.17%49.71%51.10%
Government 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.01%0.00%0.00%0.00%
Public 29.41%31.61%27.25%26.23%26.28%26.40%25.32%24.77%24.66%24.96%24.74%23.96%
No. of Shareholders 7,36,6748,09,3977,82,9007,96,9598,70,0108,55,8878,51,1998,51,1748,47,9818,51,0498,48,3728,23,258

Shareholding Pattern Chart

No. of Shareholders

Federal Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Multi Asset Allocation Fund 23,674 1.45 90000N/AN/AN/A
HDFC Mid Cap Fund 127,825,000 4.07 3832.83N/AN/AN/A
Axis Midcap Fund 42,439,122 3.98 1272.5439,590,7052026-03-11 06:34:087.19%
Nippon India Growth Mid Cap Fund 41,000,000 2.8 1229.39N/AN/AN/A
Kotak Midcap Fund 35,149,080 1.71 1053.95N/AN/AN/A
Canara Robeco Large and Mid Cap Fund 32,989,386 4 989.1933,708,6422025-12-15 01:54:36-2.13%
Mirae Asset Midcap Fund 22,827,565 3.79 684.4820,008,5612025-12-15 01:54:3614.09%
Invesco India Midcap Fund 22,304,132 6.21 668.7919,960,9842025-12-15 01:54:3611.74%
SBI Midcap Fund 20,905,000 2.71 626.8427,000,0002026-03-23 06:06:36-22.57%
Mirae Asset Large & Midcap Fund 20,822,648 1.45 624.3721,668,4462025-11-03 11:26:45-3.9%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value2.002.002.002.002.00
Basic EPS (Rs.) 16.9816.7515.019.528.34
Diluted EPS (Rs.) 16.8016.5514.859.448.31
Cash EPS (Rs.) 18.2817.0915.8710.018.83
Book Value[Excl.RevalReserv]/Share (Rs.) 140.64123.60104.5191.5682.64
Book Value[Incl.RevalReserv]/Share (Rs.) 140.64123.62104.5491.5882.67
Operating Revenue / Share (Rs.)114.4596.7684.1768.4071.71
Net Profit / Share (Rs.) 17.1116.1315.019.358.25
Net Profit After MI / Share (Rs.)16.9315.9314.959.378.34
Net Profit Margin (%) 14.9416.6617.8213.6611.50
Net Profit After MI And SOA Nargin (%)14.7916.4617.7613.6911.62
Operating Profit Margin (%)29.1731.9630.9123.0021.01
Return On Assets (%) 1.151.221.180.870.81
Return On Equity / Networth (%)12.0412.8914.3010.2310.08
Net Interest Margin (X)2.902.852.922.832.86
Cost To Income (%)54.8055.0750.7253.7549.74
Interest Income / Total Assets (%)7.807.416.646.356.98
Non-Interest Income / Total Assets (%)1.081.010.900.930.95
Operating Profit / Total Assets (%)0.070.220.27-0.06-0.15
Operating Expenses / Total Assets (%)2.192.121.942.021.90
Interest Expenses / Total Assets (%)4.894.563.723.514.11
Enterprise Value (Rs.Cr.)343054.58302672.32254233.00211717.07191923.04
EV Per Net Sales (X)12.2112.8414.2714.7213.41
Price To Book Value (X)1.371.211.271.060.91
Price To Sales (X)1.681.551.571.421.06
Retention Ratios (%) 100.0093.9488.0392.90100.00
Earnings Yield (X)0.080.100.110.090.11

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Federal Bank Ltd. is a Public Limited Listed company incorporated on 23/04/1931 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65191KL1931PLC000368 and registration number is 000368. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 26365.25 Cr. and Equity Capital is Rs. 491.17 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorP.B. No. 103, Federal Towers, Aluva Kerala 683101Contact not found
Management
NamePosition Held
Mr. Abhaya Prasad HotaPart Time Chairman & Independent Director
Mr. Krishnan Venkat SubramanianManaging Director & CEO
Mr. Harsh DugarExecutive Director
Ms. Shalini WarrierExecutive Director
Mr. Sudarshan SenIndependent Director
Ms. Varsha PurandareIndependent Director
CA. Manoj FadnisIndependent Director
Mr. Siddhartha SenguptaIndependent Director
Mr. Sankarshan BasuIndependent Director
Mr. Ramanand MundkurIndependent Director
Mr. Elias GeorgeIndependent Director

FAQ

What is the intrinsic value of Federal Bank Ltd and is it undervalued?

As of 05 April 2026, Federal Bank Ltd's intrinsic value is ₹208.07, which is 22.36% lower than the current market price of ₹268.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (12.9 %), book value (₹147), dividend yield (0.45 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Federal Bank Ltd?

Federal Bank Ltd is trading at ₹268.00 as of 05 April 2026, with a FY2026-2027 high of ₹302 and low of ₹183. The stock is currently in the middle of its 52-week range. Market cap stands at ₹65,944 Cr..

How does Federal Bank Ltd's P/E ratio compare to its industry?

Federal Bank Ltd has a P/E ratio of 16.1, which is above the industry average of 15.04. The premium over industry average may reflect growth expectations or speculative interest.

Is Federal Bank Ltd financially healthy?

Key indicators for Federal Bank Ltd: ROCE of 7.03 % is on the lower side compared to the industry average of 6.84%. Dividend yield is 0.45 %.

Is Federal Bank Ltd profitable and how is the profit trend?

Federal Bank Ltd reported a net profit of ₹4,234 Cr in Mar 2025 on revenue of ₹28,106 Cr. Compared to ₹1,996 Cr in Mar 2022, the net profit shows an improving trend.

Does Federal Bank Ltd pay dividends?

Federal Bank Ltd has a dividend yield of 0.45 % at the current price of ₹268.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Federal Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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