Share Price and Basic Stock Data
Last Updated: December 18, 2025, 10:24 pm
| PEG Ratio | 1.46 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Federal Bank Ltd has demonstrated a robust growth trajectory over the past few years, with revenue rising significantly from ₹14,382 Cr in FY 2022 to ₹28,106 Cr in FY 2025. This growth reflects a compounded annual growth rate (CAGR) that underlines the bank’s ability to navigate the competitive banking landscape effectively. The quarterly revenue figures also illustrate this upward trend, with the latest reported revenue for Jun 2025 standing at ₹7,151 Cr, marking a consistent rise from ₹5,350 Cr in Jun 2023. The bank’s revenue generation appears strong, driven by both interest income and other income components. Interest income, a critical driver, has surged to ₹17,631 Cr in FY 2025, showcasing the bank’s expanding lending portfolio and effective interest rate management. Moreover, the steady increase in other income, reaching ₹3,924 Cr, adds a layer of diversification to its revenue streams, reducing reliance on interest income alone.
Profitability and Efficiency Metrics
Federal Bank’s profitability metrics present a compelling case for its financial health. The net profit for FY 2025 was reported at ₹4,234 Cr, a significant increase from ₹3,210 Cr in FY 2023. This improvement reflects a net profit margin of approximately 14.94% for FY 2025, which is commendable compared to industry averages. Return on equity (ROE) has also remained healthy, standing at 12.04%, indicating effective use of shareholders’ funds. However, the return on capital employed (ROCE) at 7.03% suggests room for improvement, especially in capital efficiency. The cost-to-income ratio, reported at 54.80%, is relatively high, hinting at potential operational inefficiencies that the bank might need to address. With net interest margins (NIM) clocking in at 2.90, while decent, also suggest that there’s a competitive landscape that may pressure margins in the future.
Balance Sheet Strength and Financial Ratios
The balance sheet of Federal Bank demonstrates a solid foundation, with total assets reported at ₹360,244 Cr for FY 2025, up from ₹268,004 Cr in FY 2023. This growth is supported by an increase in deposits, which rose to ₹283,484 Cr, indicating strong customer confidence. Reserves have also expanded significantly, reaching ₹34,047 Cr in FY 2025, enhancing the bank’s capacity to absorb shocks. However, the bank’s gross and net non-performing asset (NPA) ratios, at 2.28% and 0.68% respectively as of Dec 2023, while showing improvement, remain an area of concern. The bank’s ability to manage asset quality will be crucial in maintaining investor confidence and profitability. The price-to-book (P/B) ratio of 1.37 suggests that the stock is trading at a premium relative to its book value, which could be interpreted positively, indicating investor belief in the bank’s growth prospects.
Shareholding Pattern and Investor Confidence
Federal Bank’s shareholding structure illustrates a healthy mix of institutional and public investors, which is often a sign of stability. As of Sep 2025, foreign institutional investors (FIIs) held 25.54% of the shares, while domestic institutional investors (DIIs) accounted for a substantial 49.71%. This significant institutional backing could bolster investor confidence and suggests that knowledgeable investors see value in the bank’s long-term prospects. The public holds 24.74%, reflecting a broad base of retail shareholders. However, the slight decline in FII holdings from a peak of 29.38% in Dec 2023 could raise questions about changing perceptions among international investors. The overall stability of the shareholding pattern, coupled with an increasing number of shareholders—now at 8,48,372—indicates growing interest from the retail segment, which is encouraging.
Outlook, Risks, and Final Insight
Looking ahead, Federal Bank’s outlook appears cautiously optimistic, supported by its strong revenue growth and healthy profitability metrics. However, investors should remain vigilant regarding potential risks, particularly related to asset quality and operational efficiency. The bank’s ongoing efforts to manage NPAs will be critical in sustaining its profitability and maintaining investor trust. Additionally, the high cost-to-income ratio suggests that management will need to focus on improving operational efficiencies to enhance margins. The competitive landscape in the banking sector, coupled with fluctuating interest rates, could pressure profitability moving forward. For investors, weighing the bank’s robust growth trajectory against these risks will be essential in making informed decisions about their investments in Federal Bank. The current valuation reflects a belief in its growth story, but the sustainability of this growth in the face of external pressures remains a key consideration.
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 | 2,140 Cr. | 257 | 345/180 | 26.7 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,313 Cr. | 25.5 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,210 Cr. | 266 | 331/250 | 8.95 | 307 | 1.50 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,273 Cr. | 21.4 | 24.3/16.0 | 23.7 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,340 Cr. | 53.3 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,614.26 Cr | 413.48 | 18.26 | 241.49 | 0.60% | 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: 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 | 3.58 | 3296.86 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 41,000,000 | 2.52 | 1057.47 | N/A | N/A | N/A |
| Axis Midcap Fund | 38,056,676 | 3.05 | 981.56 | 21,430,917 | 2025-11-03 11:26:45 | 77.58% |
| Kotak Midcap Fund | 35,149,080 | 1.5 | 906.57 | N/A | N/A | N/A |
| Canara Robeco Large and Mid Cap Fund | 32,989,386 | 3.25 | 850.86 | 33,708,642 | 2025-12-15 01:54:36 | -2.13% |
| SBI Midcap Fund | 27,000,000 | 2.98 | 696.38 | N/A | N/A | N/A |
| Mirae Asset Midcap Fund | 22,827,565 | 3.2 | 588.77 | 20,008,561 | 2025-12-15 01:54:36 | 14.09% |
| Invesco India Midcap Fund | 22,304,132 | 5.75 | 575.27 | 19,960,984 | 2025-12-15 01:54:36 | 11.74% |
| Mirae Asset Large & Midcap Fund | 20,822,648 | 1.23 | 537.06 | 21,668,446 | 2025-11-03 11:26:45 | -3.9% |
| HDFC Small Cap Fund | 20,759,451 | 1.41 | 535.43 | 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: 16.6 (Industry average Stock P/E: 18.26)
- 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 18 December 2025) is 252.96 which is 4.54% lower the current market price of 265.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 65,338 Cr. market cap, FY2025-2026 high/low of 267/173, 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 65,338 Cr..
What is the current Stock Price of Federal Bank Ltd as on 18 December 2025?
The current stock price of Federal Bank Ltd as on 18 December 2025 is 265.
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 267/173.
What is the Stock P/E of Federal Bank Ltd?
The Stock P/E of Federal Bank Ltd is 16.6.
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 0.45 %.
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.