Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:54 pm
| PEG Ratio | 1.10 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Federal Bank Ltd, a prominent player in the private sector banking industry, reported a market capitalization of ₹51,230 Cr and a share price of ₹208. The bank’s revenue trajectory has shown significant growth, with total revenue rising from ₹14,382 Cr in FY 2022 to ₹17,812 Cr in FY 2023, and further projected to ₹23,565 Cr in FY 2024. The quarterly revenue figures also reflect this upward trend, with revenues increasing from ₹3,843 Cr in June 2022 to ₹5,350 Cr in June 2023, and reaching ₹6,085 Cr by December 2023. Such growth indicates a robust demand for banking services, driven by a growing customer base and improved product offerings. Over the past few quarters, the bank has consistently reported quarter-on-quarter revenue increases, culminating in a revenue of ₹7,108 Cr by March 2025. These figures suggest that Federal Bank is effectively capitalizing on market opportunities, positioning itself favorably within the competitive landscape of Indian banking.
Profitability and Efficiency Metrics
Federal Bank’s profitability metrics showcase a strong performance, with a net profit of ₹4,234 Cr reported for FY 2025, up from ₹3,210 Cr in FY 2023. The net profit margin stood at 14.94% for FY 2025, indicating efficient cost management and revenue generation strategies. The bank’s return on equity (ROE) was reported at 12.9%, reflecting effective utilization of shareholder funds to generate profits. Additionally, the return on capital employed (ROCE) was recorded at 7.03%, underscoring the bank’s ability to generate returns from its capital investments. The interest coverage ratio (ICR) remains unreported, yet the consistency in profitability, with net profit growing from ₹645 Cr in June 2022 to ₹1,120 Cr in March 2025, indicates a potentially favorable ICR. However, the operating profit margin (OPM) remains unreported, representing an area where more clarity could enhance the understanding of operational efficiency.
Balance Sheet Strength and Financial Ratios
The strength of Federal Bank’s balance sheet is evident through its reserves, which stood at ₹34,047 Cr by March 2025, significantly increasing from ₹21,699 Cr in March 2023. This growth in reserves indicates a solid capital position, allowing the bank to support future growth and absorb potential losses. The bank’s total assets rose to ₹360,244 Cr in FY 2025, reflecting a healthy expansion in its asset base. Notably, the bank reported borrowings of ₹32,596 Cr in FY 2025, indicating a strategic approach to leverage for growth. The price-to-earnings (P/E) ratio of 12.6 suggests that the stock is reasonably valued compared to its earnings. However, the absence of reported figures for certain key financial ratios, such as the price-to-book value (P/BV) and cash conversion cycle, signifies areas for improvement in transparency and financial analysis.
Shareholding Pattern and Investor Confidence
Federal Bank’s shareholding pattern indicates a diverse investor base, with foreign institutional investors (FIIs) holding 26.86% and domestic institutional investors (DIIs) accounting for 48.17% of ownership as of March 2025. The public holds a notable 24.96%, with the total number of shareholders reaching 8,51,049. This distribution reflects a strong institutional interest, which is often seen as a positive indicator of investor confidence. The DII stake shows a slight increase from 44.22% in September 2022 to 49.07% in March 2025, suggesting growing institutional support. However, the slight decline in public shareholding from 31.61% in June 2023 to 24.66% in March 2025 may indicate a shift in retail investor sentiment. Overall, the stable institutional ownership and increasing reserve levels suggest confidence in the bank’s long-term prospects.
Outlook, Risks, and Final Insight
If Federal Bank can sustain its revenue growth and maintain profitability, it may continue to attract institutional investors and bolster its market position. However, risks such as potential regulatory changes and economic downturns could impact its financial performance. The absence of certain reported metrics, like the operating profit margin and interest coverage ratio, may also cloud the outlook on operational efficiency. If margins sustain and the bank effectively manages its cost structure, it could enhance shareholder returns. Moreover, with a solid reserve base and increasing asset growth, Federal Bank is well-positioned to navigate challenges, provided it continues to innovate and respond effectively to market demands. The trajectory suggests a cautious optimism, contingent upon the bank’s ability to adapt and efficiently manage its resources in an evolving economic landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Federal Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,737 Cr. | 329 | 427/180 | 31.8 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,450 Cr. | 28.1 | 47.6/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,253 Cr. | 277 | 331/250 | 9.38 | 304 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,803 Cr. | 22.2 | 24.3/16.0 | 24.6 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 9,439 Cr. | 48.7 | 51.9/30.8 | 22.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,445.39 Cr | 408.90 | 18.68 | 235.55 | 0.64% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | 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 | 3,843 | 4,259 | 4,698 | 5,012 | 5,350 | 5,791 | 6,085 | 6,339 | 6,728 | 7,006 | 7,265 | 7,108 | 7,151 |
| Interest | 2,104 | 2,349 | 2,585 | 2,938 | 3,255 | 3,544 | 3,760 | 3,936 | 4,212 | 4,393 | 4,570 | 4,456 | 4,540 |
| Expenses | 1,351 | 1,541 | 1,544 | 1,574 | 1,634 | 1,661 | 1,814 | 1,917 | 2,048 | 2,149 | 2,349 | 2,265 | 2,506 |
| Financing Profit | 388 | 369 | 569 | 500 | 461 | 586 | 511 | 486 | 468 | 463 | 346 | 386 | 105 |
| Financing Margin % | 10% | 9% | 12% | 10% | 9% | 10% | 8% | 8% | 7% | 7% | 5% | 5% | 1% |
| Other Income | 475 | 628 | 565 | 768 | 741 | 757 | 908 | 810 | 936 | 1,010 | 931 | 1,047 | 1,164 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 863 | 997 | 1,134 | 1,269 | 1,202 | 1,343 | 1,420 | 1,296 | 1,404 | 1,473 | 1,277 | 1,434 | 1,270 |
| Tax % | 26% | 26% | 25% | 26% | 26% | 26% | 25% | 25% | 26% | 25% | 26% | 23% | 25% |
| Net Profit | 645 | 745 | 856 | 964 | 894 | 1,007 | 1,067 | 996 | 1,047 | 1,115 | 951 | 1,120 | 951 |
| EPS in Rs | 3.02 | 3.48 | 3.99 | 4.51 | 4.16 | 4.23 | 4.26 | 3.99 | 4.20 | 4.47 | 3.85 | 4.44 | 3.74 |
| Gross NPA % | 2.67% | 2.45% | 2.42% | 2.35% | 2.37% | 2.27% | 2.28% | 2.11% | |||||
| Net NPA % | 0.96% | 0.82% | 0.77% | 0.73% | 0.74% | 0.68% | 0.68% | 0.63% |
Last Updated: August 20, 2025, 2:30 am
Below is a detailed analysis of the quarterly data for Federal Bank 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 4,540.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,456.00 Cr. (Mar 2025) to 4,540.00 Cr., marking an increase of 84.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,506.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,265.00 Cr. (Mar 2025) to 2,506.00 Cr., marking an increase of 241.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,164.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,047.00 Cr. (Mar 2025) to 1,164.00 Cr., marking an increase of 117.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,270.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,434.00 Cr. (Mar 2025) to 1,270.00 Cr., marking a decrease of 164.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 23.00% (Mar 2025) to 25.00%, marking an increase of 2.00%.
- For Net Profit, as of Jun 2025, the value is 951.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,120.00 Cr. (Mar 2025) to 951.00 Cr., marking a decrease of 169.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.74. The value appears to be declining and may need further review. It has decreased from 4.44 (Mar 2025) to 3.74, marking a decrease of 0.70.
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, 4:18 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,006 | 7,488 | 7,826 | 8,783 | 9,915 | 11,635 | 13,590 | 14,314 | 14,382 | 17,812 | 23,565 | 28,106 | 28,529 |
| Interest | 4,728 | 5,056 | 5,259 | 5,653 | 6,226 | 7,316 | 8,678 | 8,435 | 7,959 | 9,975 | 14,495 | 17,631 | 17,959 |
| Expenses | 1,664 | 1,701 | 2,529 | 2,749 | 3,331 | 3,572 | 4,608 | 5,527 | 5,758 | 5,828 | 6,792 | 8,523 | 9,269 |
| Financing Profit | 614 | 731 | 38 | 382 | 358 | 747 | 304 | 352 | 664 | 2,009 | 2,278 | 1,952 | 1,301 |
| Financing Margin % | 9% | 10% | 0% | 4% | 4% | 6% | 2% | 2% | 5% | 11% | 10% | 7% | 5% |
| Other Income | 685 | 879 | 808 | 1,084 | 1,160 | 1,335 | 1,882 | 1,972 | 2,121 | 2,436 | 3,216 | 3,924 | 4,153 |
| Depreciation | 98 | 79 | 108 | 124 | 125 | 122 | 126 | 115 | 139 | 182 | 234 | 288 | 0 |
| Profit before tax | 1,202 | 1,530 | 739 | 1,342 | 1,393 | 1,960 | 2,060 | 2,209 | 2,646 | 4,263 | 5,261 | 5,588 | 5,453 |
| Tax % | 31% | 34% | 34% | 36% | 35% | 35% | 25% | 25% | 26% | 26% | 25% | 25% | |
| Net Profit | 850 | 1,058 | 486 | 867 | 935 | 1,318 | 1,590 | 1,680 | 1,996 | 3,210 | 3,964 | 4,234 | 4,137 |
| EPS in Rs | 4.97 | 6.17 | 2.83 | 5.03 | 4.74 | 6.63 | 7.93 | 8.34 | 9.37 | 14.95 | 15.93 | 16.93 | 16.50 |
| Dividend Payout % | 20% | 18% | 25% | 18% | 21% | 21% | 0% | 8% | 19% | 7% | 8% | 7% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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: August 11, 2025, 2:56 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 171 | 171 | 344 | 345 | 394 | 397 | 399 | 399 | 421 | 423 | 487 | 491 |
| Reserves | 6,690 | 7,529 | 7,720 | 8,607 | 11,880 | 13,101 | 14,424 | 16,105 | 18,835 | 21,699 | 29,618 | 34,047 |
| Deposits | 59,729 | 70,823 | 79,171 | 97,662 | 111,970 | 134,879 | 152,252 | 172,186 | 181,678 | 212,988 | 252,455 | 283,484 |
| Borrowing | 5,768 | 2,393 | 5,236 | 6,345 | 12,329 | 8,706 | 12,528 | 12,271 | 19,587 | 25,862 | 25,160 | 32,596 |
| Other Liabilities | 2,286 | 1,993 | 2,234 | 2,527 | 2,640 | 3,469 | 3,751 | 4,006 | 5,721 | 7,031 | 10,119 | 9,626 |
| Total Liabilities | 74,643 | 82,909 | 94,706 | 115,486 | 139,214 | 160,552 | 183,353 | 204,967 | 226,241 | 268,004 | 317,839 | 360,244 |
| Fixed Assets | 414 | 446 | 508 | 477 | 452 | 462 | 477 | 504 | 643 | 890 | 996 | 1,456 |
| CWIP | 23 | 27 | 16 | 15 | 10 | 18 | 28 | 13 | 29 | 81 | 67 | 72 |
| Investments | 23,839 | 20,349 | 24,920 | 27,912 | 30,595 | 31,676 | 35,715 | 36,732 | 39,065 | 48,702 | 61,043 | 66,058 |
| Other Assets | 50,368 | 62,087 | 69,262 | 87,081 | 108,158 | 128,397 | 147,133 | 167,717 | 186,504 | 218,330 | 255,733 | 292,658 |
| Total Assets | 74,643 | 82,909 | 94,706 | 115,486 | 139,214 | 160,552 | 183,353 | 204,967 | 226,241 | 268,004 | 317,839 | 360,244 |
Below is a detailed analysis of the balance sheet data for Federal Bank 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 491.00 Cr.. The value appears strong and on an upward trend. It has increased from 487.00 Cr. (Mar 2024) to 491.00 Cr., marking an increase of 4.00 Cr..
- For Reserves, as of Mar 2025, the value is 34,047.00 Cr.. The value appears strong and on an upward trend. It has increased from 29,618.00 Cr. (Mar 2024) to 34,047.00 Cr., marking an increase of 4,429.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 9,626.00 Cr.. The value appears to be improving (decreasing). It has decreased from 10,119.00 Cr. (Mar 2024) to 9,626.00 Cr., marking a decrease of 493.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 360,244.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 317,839.00 Cr. (Mar 2024) to 360,244.00 Cr., marking an increase of 42,405.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,456.00 Cr.. The value appears strong and on an upward trend. It has increased from 996.00 Cr. (Mar 2024) to 1,456.00 Cr., marking an increase of 460.00 Cr..
- For CWIP, as of Mar 2025, the value is 72.00 Cr.. The value appears strong and on an upward trend. It has increased from 67.00 Cr. (Mar 2024) to 72.00 Cr., marking an increase of 5.00 Cr..
- For Investments, as of Mar 2025, the value is 66,058.00 Cr.. The value appears strong and on an upward trend. It has increased from 61,043.00 Cr. (Mar 2024) to 66,058.00 Cr., marking an increase of 5,015.00 Cr..
- For Other Assets, as of Mar 2025, the value is 292,658.00 Cr.. The value appears strong and on an upward trend. It has increased from 255,733.00 Cr. (Mar 2024) to 292,658.00 Cr., marking an increase of 36,925.00 Cr..
- For Total Assets, as of Mar 2025, the value is 360,244.00 Cr.. The value appears strong and on an upward trend. It has increased from 317,839.00 Cr. (Mar 2024) to 360,244.00 Cr., marking an increase of 42,405.00 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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 15% | 6% | 10% | 9% | 10% | 11% | 11% | 11% | 15% | 15% | 13% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Mid-Cap Opportunities Fund - Regular Plan | 123,641,292 | 3.11 | 2191.54 | 123,641,292 | 2025-04-22 13:31:13 | 0% |
| Nippon India Growth Fund | 37,000,000 | 2.13 | 655.83 | 37,000,000 | 2025-04-22 17:25:18 | 0% |
| Kotak Emerging Equity Fund - Regular Plan | 35,149,080 | 1.27 | 623.02 | 35,149,080 | 2025-04-22 17:25:18 | 0% |
| DSP Mid Cap Fund | 30,349,950 | 2.81 | 537.95 | 30,349,950 | 2025-04-22 17:25:18 | 0% |
| Canara Robeco Emerging Equities | 26,556,226 | 1.98 | 470.71 | 26,556,226 | 2025-04-22 17:25:18 | 0% |
| Franklin India Prima Fund | 23,439,752 | 3.46 | 415.47 | 23,439,752 | 2025-04-22 17:25:18 | 0% |
| Mirae Asset Large & Midcap Fund | 21,668,446 | 1.01 | 384.07 | 21,668,446 | 2025-04-22 17:25:18 | 0% |
| Axis Midcap Fund | 21,430,917 | 1.26 | 379.86 | 21,430,917 | 2025-04-22 17:25:18 | 0% |
| Mirae Asset Midcap Fund | 21,380,897 | 2.27 | 378.98 | 21,380,897 | 2025-04-22 17:25:18 | 0% |
| HDFC Small Cap Fund - Regular Plan | 20,759,451 | 1.17 | 367.96 | 20,759,451 | 2025-04-22 17:25:18 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 16.98 | 16.75 | 15.01 | 9.52 | 8.34 |
| Diluted EPS (Rs.) | 16.80 | 16.55 | 14.85 | 9.44 | 8.31 |
| Cash EPS (Rs.) | 18.28 | 17.09 | 15.87 | 10.01 | 8.83 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 140.64 | 123.60 | 104.51 | 91.56 | 82.64 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 140.64 | 123.62 | 104.54 | 91.58 | 82.67 |
| Operating Revenue / Share (Rs.) | 114.45 | 96.76 | 84.17 | 68.40 | 71.71 |
| Net Profit / Share (Rs.) | 17.11 | 16.13 | 15.01 | 9.35 | 8.25 |
| Net Profit After MI / Share (Rs.) | 16.93 | 15.93 | 14.95 | 9.37 | 8.34 |
| Net Profit Margin (%) | 14.94 | 16.66 | 17.82 | 13.66 | 11.50 |
| Net Profit After MI And SOA Nargin (%) | 14.79 | 16.46 | 17.76 | 13.69 | 11.62 |
| Operating Profit Margin (%) | 29.17 | 31.96 | 30.91 | 23.00 | 21.01 |
| Return On Assets (%) | 1.15 | 1.22 | 1.18 | 0.87 | 0.81 |
| Return On Equity / Networth (%) | 12.04 | 12.89 | 14.30 | 10.23 | 10.08 |
| Net Interest Margin (X) | 2.90 | 2.85 | 2.92 | 2.83 | 2.86 |
| Cost To Income (%) | 54.80 | 55.07 | 50.72 | 53.75 | 49.74 |
| Interest Income / Total Assets (%) | 7.80 | 7.41 | 6.64 | 6.35 | 6.98 |
| Non-Interest Income / Total Assets (%) | 1.08 | 1.01 | 0.90 | 0.93 | 0.95 |
| Operating Profit / Total Assets (%) | 0.07 | 0.22 | 0.27 | -0.06 | -0.15 |
| Operating Expenses / Total Assets (%) | 2.19 | 2.12 | 1.94 | 2.02 | 1.90 |
| Interest Expenses / Total Assets (%) | 4.89 | 4.56 | 3.72 | 3.51 | 4.11 |
| Enterprise Value (Rs.Cr.) | 343054.58 | 302672.32 | 254233.00 | 211717.07 | 191923.04 |
| EV Per Net Sales (X) | 12.21 | 12.84 | 14.27 | 14.72 | 13.41 |
| Price To Book Value (X) | 1.37 | 1.21 | 1.27 | 1.06 | 0.91 |
| Price To Sales (X) | 1.68 | 1.55 | 1.57 | 1.42 | 1.06 |
| Retention Ratios (%) | 100.00 | 93.94 | 88.03 | 92.90 | 100.00 |
| Earnings Yield (X) | 0.08 | 0.10 | 0.11 | 0.09 | 0.11 |
After reviewing the key financial ratios for Federal Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 16.98. This value is within the healthy range. It has increased from 16.75 (Mar 24) to 16.98, marking an increase of 0.23.
- For Diluted EPS (Rs.), as of Mar 25, the value is 16.80. This value is within the healthy range. It has increased from 16.55 (Mar 24) to 16.80, marking an increase of 0.25.
- For Cash EPS (Rs.), as of Mar 25, the value is 18.28. This value is within the healthy range. It has increased from 17.09 (Mar 24) to 18.28, marking an increase of 1.19.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 140.64. It has increased from 123.60 (Mar 24) to 140.64, marking an increase of 17.04.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 140.64. It has increased from 123.62 (Mar 24) to 140.64, marking an increase of 17.02.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 17.11. This value is within the healthy range. It has increased from 16.13 (Mar 24) to 17.11, marking an increase of 0.98.
- For Net Profit Margin (%), as of Mar 25, the value is 14.94. This value exceeds the healthy maximum of 10. It has decreased from 16.66 (Mar 24) to 14.94, marking a decrease of 1.72.
- For Return On Assets (%), as of Mar 25, the value is 1.15. This value is below the healthy minimum of 5. It has decreased from 1.22 (Mar 24) to 1.15, marking a decrease of 0.07.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. It has increased from 93.94 (Mar 24) to 100.00, marking an increase of 6.06.
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 Federal Bank Ltd:
- Net Profit Margin: 14.94%
- 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: 0% (Industry Average ROCE: 6.84%)
- 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%: 0% (Industry Average ROE: 11.8%)
- 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): 0
- 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: 0
- 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: 13.2 (Industry average Stock P/E: 18.68)
- 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: 0
- 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: 14.94%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | P.B. No. 103, Federal Towers, Aluva Kerala 683101 | secretarial@federalbank.co.in http://www.federalbank.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Abhaya Prasad Hota | Part Time Chairman & Independent Director |
| Mr. Krishnan Venkat Subramanian | Managing Director & CEO |
| Mr. Harsh Dugar | Executive Director |
| Ms. Shalini Warrier | Executive Director |
| Mr. Sudarshan Sen | Independent Director |
| Ms. Varsha Purandare | Independent Director |
| CA. Manoj Fadnis | Independent Director |
| Mr. Siddhartha Sengupta | Independent Director |
| Mr. Sankarshan Basu | Independent Director |
| Mr. Ramanand Mundkur | Independent Director |
| Mr. Elias George | Independent Director |
FAQ
What is the intrinsic value of Federal Bank Ltd?
Federal Bank Ltd's intrinsic value (as of 19 October 2025) is 201.39 which is 5.00% lower the current market price of 212.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 52,235 Cr. market cap, FY2025-2026 high/low of 220/173, reserves of ₹34,047 Cr, and liabilities of 360,244 Cr.
What is the Market Cap of Federal Bank Ltd?
The Market Cap of Federal Bank Ltd is 52,235 Cr..
What is the current Stock Price of Federal Bank Ltd as on 19 October 2025?
The current stock price of Federal Bank Ltd as on 19 October 2025 is 212.
What is the High / Low of Federal Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Federal Bank Ltd stocks is 220/173.
What is the Stock P/E of Federal Bank Ltd?
The Stock P/E of Federal Bank Ltd is 13.2.
What is the Book Value of Federal Bank Ltd?
The Book Value of Federal Bank Ltd is 147.
What is the Dividend Yield of Federal Bank Ltd?
The Dividend Yield of Federal Bank Ltd is 0.57 %.
What is the ROCE of Federal Bank Ltd?
The ROCE of Federal Bank Ltd is 7.03 %.
What is the ROE of Federal Bank Ltd?
The ROE of Federal Bank Ltd is 12.9 %.
What is the Face Value of Federal Bank Ltd?
The Face Value of Federal Bank Ltd is 2.00.