Share Price and Basic Stock Data
Last Updated: January 29, 2026, 7:02 pm
| PEG Ratio | 1.52 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Federal Bank Ltd, a key player in the private banking sector, reported a revenue of ₹17,812 Cr. for FY 2023, reflecting a significant increase from ₹14,382 Cr. in FY 2022. The revenue trajectory has shown consistent growth, with a remarkable rise to ₹23,565 Cr. in FY 2024 and further escalating to ₹28,106 Cr. for FY 2025. Quarterly revenue figures also exhibited an upward trend, with ₹5,791 Cr. in Q2 FY 2024, up from ₹4,259 Cr. in Q2 FY 2022. The bank’s interest income, a critical component of its revenue, stood at ₹9,975 Cr. in FY 2023, which is projected to rise to ₹14,495 Cr. in FY 2024. This growth is underpinned by an expanding deposit base, which reached ₹283,484 Cr. in FY 2025, compared to ₹181,678 Cr. in FY 2022. The ability to consistently grow revenues in both quarterly and annual terms positions Federal Bank favorably within the competitive landscape of Indian private banks.
Profitability and Efficiency Metrics
Federal Bank’s profitability metrics demonstrate a robust performance, with a net profit of ₹4,045 Cr. in FY 2025, markedly increasing from ₹3,210 Cr. in FY 2023. The bank’s net profit margin for FY 2025 was reported at 14.94%, slightly down from 16.66% in FY 2024. The return on equity (ROE) stood at 12.9%, indicating efficient capital utilization, although it reflects a decline from 15% in FY 2023. The cost-to-income ratio was reported at 54.80%, showcasing operational efficiency relative to income generation. Additionally, the financing margin, which is critical in assessing the bank’s core profitability, recorded a decline to 7% in Q2 FY 2024 from 9% in Q2 FY 2022. Despite these fluctuations, Federal Bank’s ability to maintain a solid profit before tax of ₹5,588 Cr. in FY 2025 suggests a well-managed balance between income generation and expense control.
Balance Sheet Strength and Financial Ratios
Federal Bank’s balance sheet reflects significant strength, with total assets reaching ₹360,244 Cr. in FY 2025, up from ₹268,004 Cr. in FY 2023, indicating a healthy expansion rate. The bank’s reserves stood at ₹35,774 Cr. as of September 2025, showcasing its capacity to absorb potential losses. The gross non-performing assets (NPA) ratio improved to 2.27% in September 2023, down from 2.45% in September 2022, suggesting effective asset quality management. Furthermore, the net interest margin was reported at 2.90 times for FY 2025, aligning with sector averages but indicating room for improvement. The bank’s price-to-earnings (P/E) ratio stood at 17.1, which is relatively competitive against the private banking sector, reflecting investor confidence in its growth prospects. However, the reported borrowings of ₹32,596 Cr. in FY 2025 raise concerns about leverage and interest obligations, warranting close monitoring of debt servicing capabilities.
Shareholding Pattern and Investor Confidence
Federal Bank’s shareholding pattern illustrates a diverse ownership structure, with foreign institutional investors (FIIs) holding 25.54% and domestic institutional investors (DIIs) at 49.71% as of September 2025. This suggests strong institutional confidence in the bank’s prospects, though the public shareholding has slightly decreased to 24.74%. Over the past year, FIIs have fluctuated between 25% and 29%, indicating a cautious but stable interest from foreign investors. The number of shareholders increased to 8,48,372, reflecting growing retail participation. The dividend payout ratio has been conservative, reported at 7% for FY 2025, which could imply a focus on reinvestment for growth rather than immediate returns to shareholders. This strategy may appeal to long-term investors looking for capital appreciation rather than short-term income.
Outlook, Risks, and Final Insight
Looking ahead, Federal Bank’s growth trajectory appears promising, driven by a robust revenue base and effective cost management strategies. However, potential risks include the persistent pressure on net interest margins and the need for ongoing asset quality improvements, particularly in light of the competitive landscape. The bank’s ability to maintain a low gross NPA ratio will be crucial in sustaining profitability and investor confidence. Additionally, fluctuations in the shareholding structure could impact market perceptions and stock performance. Should the bank successfully navigate these challenges while leveraging its strong deposit growth and operational efficiencies, it could solidify its position as a leading player in the private banking sector. Conversely, failure to address these risks may hinder its growth potential and affect shareholder returns.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,843 Cr. | 222 | 339/180 | 23.0 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,432 Cr. | 27.7 | 37.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,159 Cr. | 255 | 331/249 | 8.55 | 306 | 1.57 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,900 Cr. | 21.3 | 24.3/16.0 | 21.1 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,103 Cr. | 62.4 | 68.0/30.9 | 24.5 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,112.65 Cr | 350.20 | 17.73 | 214.54 | 0.59% | 6.84% | 11.80% | 6.30 |
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 | 4,259 | 4,698 | 5,012 | 5,350 | 5,791 | 6,085 | 6,339 | 6,728 | 7,006 | 7,265 | 7,108 | 7,151 | 7,216 |
| Interest | 2,349 | 2,585 | 2,938 | 3,255 | 3,544 | 3,760 | 3,936 | 4,212 | 4,393 | 4,570 | 4,456 | 4,540 | 4,429 |
| Expenses | 1,541 | 1,544 | 1,574 | 1,634 | 1,661 | 1,814 | 1,917 | 2,048 | 2,149 | 2,349 | 2,265 | 2,506 | 2,519 |
| Financing Profit | 369 | 569 | 500 | 461 | 586 | 511 | 486 | 468 | 463 | 346 | 386 | 105 | 267 |
| Financing Margin % | 9% | 12% | 10% | 9% | 10% | 8% | 8% | 7% | 7% | 5% | 5% | 1% | 4% |
| Other Income | 628 | 565 | 768 | 741 | 757 | 908 | 810 | 936 | 1,010 | 931 | 1,047 | 1,164 | 1,105 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 997 | 1,134 | 1,269 | 1,202 | 1,343 | 1,420 | 1,296 | 1,404 | 1,473 | 1,277 | 1,434 | 1,270 | 1,373 |
| Tax % | 26% | 25% | 26% | 26% | 26% | 25% | 25% | 26% | 25% | 26% | 23% | 25% | 26% |
| Net Profit | 745 | 856 | 964 | 894 | 1,007 | 1,067 | 996 | 1,047 | 1,115 | 951 | 1,120 | 951 | 1,023 |
| EPS in Rs | 3.48 | 3.99 | 4.51 | 4.16 | 4.23 | 4.26 | 3.99 | 4.20 | 4.47 | 3.85 | 4.44 | 3.74 | 4.03 |
| Gross NPA % | 2.45% | 2.42% | 2.35% | 2.37% | 2.27% | 2.28% | 2.11% | ||||||
| Net NPA % | 0.82% | 0.77% | 0.73% | 0.74% | 0.68% | 0.68% | 0.63% |
Last Updated: December 28, 2025, 9:04 pm
Below is a detailed analysis of the quarterly data for Federal Bank 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 4,429.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4,540.00 Cr. (Jun 2025) to 4,429.00 Cr., marking a decrease of 111.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,519.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,506.00 Cr. (Jun 2025) to 2,519.00 Cr., marking an increase of 13.00 Cr..
- For Other Income, as of Sep 2025, the value is 1,105.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,164.00 Cr. (Jun 2025) to 1,105.00 Cr., marking a decrease of 59.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,373.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,270.00 Cr. (Jun 2025) to 1,373.00 Cr., marking an increase of 103.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Jun 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 1,023.00 Cr.. The value appears strong and on an upward trend. It has increased from 951.00 Cr. (Jun 2025) to 1,023.00 Cr., marking an increase of 72.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.03. The value appears strong and on an upward trend. It has increased from 3.74 (Jun 2025) to 4.03, marking an increase of 0.29.
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, 4:31 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 | 28,740 |
| 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 | 17,995 |
| 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 | 9,640 |
| Financing Profit | 614 | 731 | 38 | 382 | 358 | 747 | 304 | 352 | 664 | 2,009 | 2,278 | 1,952 | 1,105 |
| Financing Margin % | 9% | 10% | 0% | 4% | 4% | 6% | 2% | 2% | 5% | 11% | 10% | 7% | 4% |
| Other Income | 685 | 879 | 808 | 1,084 | 1,160 | 1,335 | 1,882 | 1,972 | 2,121 | 2,436 | 3,216 | 3,924 | 4,248 |
| 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 | 5,353 |
| 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 | 4,045 |
| 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 | 16.06 |
| 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: December 4, 2025, 2:05 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 171 | 171 | 344 | 345 | 394 | 397 | 399 | 399 | 421 | 423 | 487 | 491 | 492 |
| 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 | 35,774 |
| 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 | 288,862 |
| 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 | 26,930 |
| 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 | 15,508 |
| 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 | 367,566 |
| Fixed Assets | 414 | 446 | 508 | 477 | 452 | 462 | 477 | 504 | 643 | 890 | 996 | 1,456 | 1,508 |
| CWIP | 23 | 27 | 16 | 15 | 10 | 18 | 28 | 13 | 29 | 81 | 67 | 72 | 0 |
| 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 | 70,296 |
| 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 | 295,762 |
| 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 | 367,566 |
Below is a detailed analysis of the balance sheet data for Federal Bank 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 492.00 Cr.. The value appears strong and on an upward trend. It has increased from 491.00 Cr. (Mar 2025) to 492.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 35,774.00 Cr.. The value appears strong and on an upward trend. It has increased from 34,047.00 Cr. (Mar 2025) to 35,774.00 Cr., marking an increase of 1,727.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 15,508.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,626.00 Cr. (Mar 2025) to 15,508.00 Cr., marking an increase of 5,882.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 367,566.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 360,244.00 Cr. (Mar 2025) to 367,566.00 Cr., marking an increase of 7,322.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,508.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,456.00 Cr. (Mar 2025) to 1,508.00 Cr., marking an increase of 52.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 72.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 72.00 Cr..
- For Investments, as of Sep 2025, the value is 70,296.00 Cr.. The value appears strong and on an upward trend. It has increased from 66,058.00 Cr. (Mar 2025) to 70,296.00 Cr., marking an increase of 4,238.00 Cr..
- For Other Assets, as of Sep 2025, the value is 295,762.00 Cr.. The value appears strong and on an upward trend. It has increased from 292,658.00 Cr. (Mar 2025) to 295,762.00 Cr., marking an increase of 3,104.00 Cr..
- For Total Assets, as of Sep 2025, the value is 367,566.00 Cr.. The value appears strong and on an upward trend. It has increased from 360,244.00 Cr. (Mar 2025) to 367,566.00 Cr., marking an increase of 7,322.00 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 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
| 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 Fund | 127,825,000 | 3.69 | 3414.21 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 41,000,000 | 2.6 | 1095.11 | N/A | N/A | N/A |
| Axis Midcap Fund | 39,590,705 | 3.33 | 1057.47 | 38,056,676 | 2026-01-26 05:00:11 | 4.03% |
| Kotak Midcap Fund | 35,149,080 | 1.55 | 938.83 | N/A | N/A | N/A |
| Canara Robeco Large and Mid Cap Fund | 32,989,386 | 3.44 | 881.15 | 33,708,642 | 2025-12-15 01:54:36 | -2.13% |
| SBI Midcap Fund | 27,000,000 | 3.09 | 721.17 | N/A | N/A | N/A |
| Mirae Asset Midcap Fund | 22,827,565 | 3.31 | 609.72 | 20,008,561 | 2025-12-15 01:54:36 | 14.09% |
| Invesco India Midcap Fund | 22,304,132 | 5.79 | 595.74 | 19,960,984 | 2025-12-15 01:54:36 | 11.74% |
| Mirae Asset Large & Midcap Fund | 20,822,648 | 1.27 | 556.17 | 21,668,446 | 2025-11-03 11:26:45 | -3.9% |
| HDFC Small Cap Fund | 20,759,451 | 1.47 | 554.48 | N/A | N/A | N/A |
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
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: 17.3 (Industry average Stock P/E: 17.73)
- 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 | Contact not found |
| 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 29 January 2026) is ₹293.54 which is 1.92% higher the current market price of ₹288.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹70,793 Cr. market cap, FY2025-2026 high/low of ₹290/173, reserves of ₹35,774 Cr, and liabilities of ₹367,566 Cr.
What is the Market Cap of Federal Bank Ltd?
The Market Cap of Federal Bank Ltd is 70,793 Cr..
What is the current Stock Price of Federal Bank Ltd as on 29 January 2026?
The current stock price of Federal Bank Ltd as on 29 January 2026 is ₹288.
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 ₹290/173.
What is the Stock P/E of Federal Bank Ltd?
The Stock P/E of Federal Bank Ltd is 17.3.
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 0.42 %.
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.