Share Price and Basic Stock Data
Last Updated: January 17, 2026, 7:07 am
| PEG Ratio | 0.89 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
IDFC First Bank Ltd operates in the private sector banking industry and has demonstrated a robust revenue growth trajectory. The bank reported a revenue of ₹22,728 Cr for the fiscal year ending March 2023, which rose to ₹30,325 Cr in the subsequent fiscal year, marking an increase of approximately 33.3%. The trailing twelve months (TTM) revenue stood at ₹38,335 Cr, indicating a continuous upward trend. Quarterly revenue figures reflect this growth, with the bank recording ₹7,356 Cr in September 2023 and projected revenues of ₹9,413 Cr by March 2025. This consistent growth underscores the bank’s ability to capture market share in a competitive landscape. The revenue increase can be attributed to a strategic focus on enhancing retail banking operations and improving customer outreach, positioning the bank favorably within the sector.
Profitability and Efficiency Metrics
IDFC First Bank’s profitability metrics indicate a challenging landscape, as reflected in its net profit which reported at ₹1,437 Cr for the fiscal year ending March 2025. The bank’s net profit margin stood at 4.08%, a significant decline from 9.70% the previous year. The return on equity (ROE) was reported at 4.21%, showcasing the bank’s struggle to generate shareholder value relative to its equity base. The financing margin has also been under pressure, with a negative financing margin of -12% for FY 2025. Furthermore, the bank’s cost-to-income ratio reported at 71.91% suggests inefficiencies in managing operational costs relative to income. These profitability challenges are compounded by fluctuating interest expenses and a need for enhanced operational efficiencies to navigate the competitive banking environment.
Balance Sheet Strength and Financial Ratios
IDFC First Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹343,909 Cr as of March 2025. The reserves have shown substantial growth, reaching ₹37,753 Cr, highlighting the bank’s ability to accumulate retained earnings. However, the bank’s borrowing stood at ₹38,984 Cr, indicating a reliance on external funding, which can pose risks in a rising interest rate environment. The reported price-to-book value ratio of 1.05 suggests that the market values the bank’s equity slightly above its book value, indicating moderate investor confidence. The bank’s net interest margin reported at 5.61x remains competitive, although the return on assets (ROA) at 0.43% indicates room for improvement in asset utilization. Overall, while the bank’s balance sheet appears stable, careful monitoring of leverage and asset quality is essential.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IDFC First Bank indicates a diversified investor base, with foreign institutional investors (FIIs) holding 35.60% and domestic institutional investors (DIIs) at 20.78%. The public holds 35.80% of the shares, showcasing a balanced distribution among different investor categories. The promoter stake has significantly reduced from 39.99% in March 2023 to 0.00% by March 2025, reflecting a potential shift in governance or strategic direction. This decline could raise concerns regarding long-term control and decision-making within the bank. Despite these changes, the increasing participation of FIIs suggests growing confidence in the bank’s future prospects. The number of shareholders has also risen, indicating a broader interest in the bank’s equity, which could positively influence its stock performance in the long term.
Outlook, Risks, and Final Insight
IDFC First Bank faces both opportunities and challenges as it navigates the evolving banking landscape. The bank’s strong revenue growth trajectory and increasing reserves position it well for future expansions. However, profitability metrics and declining net profit margins raise concerns about operational efficiency and cost management. Risks include reliance on external borrowings and potential impacts from rising interest rates, which could affect profitability. Additionally, the significant drop in promoter holdings may introduce governance uncertainties. To capitalize on its growth potential, the bank must focus on improving operational efficiencies, enhancing customer service, and managing its cost structure effectively. Should the bank successfully address these challenges, it could reinforce its market position and deliver sustained value to its shareholders.
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 | 1,912 Cr. | 230 | 339/180 | 23.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,493 Cr. | 29.0 | 38.4/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,190 Cr. | 262 | 331/249 | 8.80 | 307 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 73,615 Cr. | 23.5 | 24.3/16.0 | 23.2 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,702 Cr. | 60.4 | 60.8/30.8 | 28.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,099.91 Cr | 352.27 | 18.56 | 213.57 | 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 | 5,470 | 5,912 | 6,424 | 6,869 | 7,356 | 7,880 | 8,220 | 8,789 | 8,957 | 9,343 | 9,413 | 9,642 | 9,937 |
| Interest | 2,467 | 2,626 | 2,827 | 3,122 | 3,406 | 3,592 | 3,750 | 4,093 | 4,169 | 4,440 | 4,505 | 4,709 | 4,824 |
| Expenses | 3,304 | 3,612 | 3,901 | 4,114 | 4,377 | 4,874 | 5,164 | 5,417 | 6,270 | 6,260 | 6,459 | 6,589 | 6,581 |
| Financing Profit | -301 | -326 | -303 | -367 | -427 | -587 | -694 | -721 | -1,482 | -1,358 | -1,551 | -1,656 | -1,468 |
| Financing Margin % | -6% | -6% | -5% | -5% | -6% | -7% | -8% | -8% | -17% | -15% | -16% | -17% | -15% |
| Other Income | 1,061 | 1,152 | 1,398 | 1,364 | 1,410 | 1,517 | 1,642 | 1,574 | 1,727 | 1,780 | 1,895 | 2,227 | 1,891 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 760 | 827 | 1,094 | 996 | 983 | 930 | 948 | 853 | 245 | 422 | 344 | 571 | 424 |
| Tax % | 25% | 25% | 25% | 27% | 24% | 21% | 23% | 25% | 14% | 19% | 14% | 21% | 18% |
| Net Profit | 567 | 617 | 816 | 732 | 747 | 732 | 732 | 643 | 212 | 340 | 296 | 453 | 348 |
| EPS in Rs | 0.91 | 0.99 | 1.23 | 1.10 | 1.11 | 1.04 | 1.04 | 0.91 | 0.28 | 0.46 | 0.40 | 0.62 | 0.47 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 1, 2026, 9:46 am
Below is a detailed analysis of the quarterly data for IDFC First 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 4,824.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,709.00 Cr. (Jun 2025) to 4,824.00 Cr., marking an increase of 115.00 Cr..
- For Expenses, as of Sep 2025, the value is 6,581.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6,589.00 Cr. (Jun 2025) to 6,581.00 Cr., marking a decrease of 8.00 Cr..
- For Other Income, as of Sep 2025, the value is 1,891.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,227.00 Cr. (Jun 2025) to 1,891.00 Cr., marking a decrease of 336.00 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 424.00 Cr.. The value appears to be declining and may need further review. It has decreased from 571.00 Cr. (Jun 2025) to 424.00 Cr., marking a decrease of 147.00 Cr..
- For Tax %, as of Sep 2025, the value is 18.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Jun 2025) to 18.00%, marking a decrease of 3.00%.
- For Net Profit, as of Sep 2025, the value is 348.00 Cr.. The value appears to be declining and may need further review. It has decreased from 453.00 Cr. (Jun 2025) to 348.00 Cr., marking a decrease of 105.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.47. The value appears to be declining and may need further review. It has decreased from 0.62 (Jun 2025) to 0.47, marking a decrease of 0.15.
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, 5:13 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,578 | 9,098 | 12,204 | 16,240 | 15,968 | 17,173 | 22,728 | 30,325 | 36,502 | 38,335 |
| Interest | 6,515 | 7,126 | 8,743 | 10,228 | 8,585 | 7,465 | 10,091 | 13,870 | 17,208 | 18,479 |
| Expenses | 1,432 | 1,789 | 4,702 | 9,760 | 8,733 | 12,323 | 13,338 | 17,899 | 23,571 | 25,888 |
| Financing Profit | 631 | 184 | -1,241 | -3,748 | -1,350 | -2,615 | -701 | -1,444 | -4,277 | -6,032 |
| Financing Margin % | 7% | 2% | -10% | -23% | -8% | -15% | -3% | -5% | -12% | -16% |
| Other Income | 1,019 | 1,120 | 824 | 1,722 | 2,211 | 3,173 | 4,467 | 5,932 | 6,977 | 7,794 |
| Depreciation | 136 | 168 | 2,820 | 320 | 343 | 382 | 435 | 631 | 836 | 0 |
| Profit before tax | 1,514 | 1,135 | -3,237 | -2,346 | 519 | 175 | 3,331 | 3,857 | 1,864 | 1,761 |
| Tax % | 30% | 16% | -41% | 21% | 7% | 24% | 25% | 24% | 20% | |
| Net Profit | 1,019 | 880 | -1,908 | -2,843 | 483 | 132 | 2,485 | 2,942 | 1,490 | 1,437 |
| EPS in Rs | 3.00 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 | 2.04 | 1.95 |
| Dividend Payout % | 25% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 12% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -13.64% | -316.82% | -49.00% | 116.99% | -72.67% | 1782.58% | 18.39% | -49.35% |
| Change in YoY Net Profit Growth (%) | 0.00% | -303.18% | 267.81% | 165.99% | -189.66% | 1855.25% | -1764.19% | -67.74% |
IDFC First Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 18% |
| 3 Years: | 29% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 20% |
| 3 Years: | 122% |
| TTM: | -54% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 18% |
| 3 Years: | 13% |
| 1 Year: | -4% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 6% |
| 3 Years: | 8% |
| Last Year: | 4% |
Last Updated: September 5, 2025, 6:45 am
Balance Sheet
Last Updated: December 10, 2025, 2:49 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3,399 | 3,404 | 4,782 | 4,810 | 5,676 | 6,218 | 6,618 | 7,070 | 7,322 | 8,589 |
| Reserves | 11,278 | 11,870 | 13,418 | 10,594 | 12,224 | 14,864 | 19,229 | 25,204 | 30,834 | 37,753 |
| Deposits | 40,098 | 48,039 | 70,354 | 65,079 | 88,536 | 105,540 | 144,470 | 200,570 | 252,010 | 276,737 |
| Borrowing | 50,262 | 57,287 | 69,983 | 57,397 | 45,786 | 52,963 | 57,212 | 50,936 | 38,984 | 40,792 |
| Other Liabilities | 7,027 | 5,781 | 8,563 | 11,279 | 10,849 | 10,561 | 12,353 | 12,430 | 14,759 | 18,463 |
| Total Liabilities | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 | 382,334 |
| Fixed Assets | 933 | 797 | 940 | 999 | 1,370 | 1,448 | 2,054 | 2,720 | 2,802 | 2,658 |
| CWIP | 6 | 3 | 34 | 74 | 65 | 79 | 219 | 95 | 74 | 0 |
| Investments | 50,164 | 60,904 | 58,245 | 45,174 | 45,182 | 45,935 | 60,913 | 74,500 | 80,505 | 91,569 |
| Other Assets | 60,962 | 64,677 | 107,880 | 102,911 | 116,454 | 142,684 | 176,696 | 218,895 | 260,528 | 288,106 |
| Total Assets | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 | 382,334 |
Below is a detailed analysis of the balance sheet data for IDFC First 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 8,589.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,322.00 Cr. (Mar 2025) to 8,589.00 Cr., marking an increase of 1,267.00 Cr..
- For Reserves, as of Sep 2025, the value is 37,753.00 Cr.. The value appears strong and on an upward trend. It has increased from 30,834.00 Cr. (Mar 2025) to 37,753.00 Cr., marking an increase of 6,919.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 18,463.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14,759.00 Cr. (Mar 2025) to 18,463.00 Cr., marking an increase of 3,704.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 382,334.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 343,909.00 Cr. (Mar 2025) to 382,334.00 Cr., marking an increase of 38,425.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 2,658.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,802.00 Cr. (Mar 2025) to 2,658.00 Cr., marking a decrease of 144.00 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 74.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 74.00 Cr..
- For Investments, as of Sep 2025, the value is 91,569.00 Cr.. The value appears strong and on an upward trend. It has increased from 80,505.00 Cr. (Mar 2025) to 91,569.00 Cr., marking an increase of 11,064.00 Cr..
- For Other Assets, as of Sep 2025, the value is 288,106.00 Cr.. The value appears strong and on an upward trend. It has increased from 260,528.00 Cr. (Mar 2025) to 288,106.00 Cr., marking an increase of 27,578.00 Cr..
- For Total Assets, as of Sep 2025, the value is 382,334.00 Cr.. The value appears strong and on an upward trend. It has increased from 343,909.00 Cr. (Mar 2025) to 382,334.00 Cr., marking an increase of 38,425.00 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 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -39.00 | -47.00 | -66.00 | -56.00 | -80.00 | -93.00 | -131.00 | -183.00 | -229.00 |
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 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6% | -11% | -17% | 3% | 1% | 11% | 10% | 4% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Tata Small Cap Fund | 59,774,540 | 4.2 | 478.97 | N/A | N/A | N/A |
| Tata Large & Mid Cap Fund | 48,250,000 | 4.42 | 386.63 | N/A | N/A | N/A |
| Sundaram Mid Cap Fund | 37,978,844 | 2.28 | 304.32 | N/A | N/A | N/A |
| Edelweiss Mid Cap Fund | 32,227,248 | 1.96 | 258.24 | 21,192,694 | 2025-12-14 20:41:25 | 52.07% |
| HSBC Midcap Fund | 31,915,400 | 2.04 | 255.74 | 28,120,000 | 2025-12-14 20:41:25 | 13.5% |
| Franklin India Mid Cap Fund | 28,893,177 | 1.79 | 231.52 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 21,015,917 | 0.58 | 168.4 | N/A | N/A | N/A |
| Franklin India Opportunities Fund | 20,839,989 | 2.01 | 166.99 | 15,317,159 | 2025-12-14 20:41:25 | 36.06% |
| Bandhan Value Fund | 20,000,000 | 1.54 | 160.26 | 19,500,000 | 2025-12-14 13:37:56 | 2.56% |
| UTI Mid Cap Fund | 18,850,000 | 1.25 | 151.05 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 2.04 | 4.30 | 3.98 | 0.21 | 0.88 |
| Diluted EPS (Rs.) | 2.03 | 4.23 | 3.92 | 0.21 | 0.87 |
| Cash EPS (Rs.) | 3.18 | 4.16 | 4.41 | 0.82 | 1.45 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 52.11 | 45.65 | 39.06 | 33.91 | 31.54 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 52.11 | 45.65 | 39.06 | 33.91 | 31.54 |
| Operating Revenue / Share (Rs.) | 49.85 | 42.89 | 34.34 | 27.62 | 28.13 |
| Net Profit / Share (Rs.) | 2.04 | 4.16 | 3.75 | 0.21 | 0.85 |
| Net Profit After MI / Share (Rs.) | 2.04 | 4.16 | 3.75 | 0.21 | 0.85 |
| Net Profit Margin (%) | 4.08 | 9.70 | 10.93 | 0.77 | 3.02 |
| Net Profit After MI And SOA Nargin (%) | 4.08 | 9.70 | 10.93 | 0.77 | 3.02 |
| Operating Profit Margin (%) | 5.67 | 13.14 | 14.52 | 1.02 | 5.01 |
| Return On Assets (%) | 0.43 | 0.99 | 1.03 | 0.06 | 0.29 |
| Return On Equity / Networth (%) | 3.90 | 9.11 | 9.61 | 0.62 | 2.69 |
| Net Interest Margin (X) | 5.61 | 5.55 | 5.26 | 5.10 | 4.52 |
| Cost To Income (%) | 71.91 | 72.13 | 70.78 | 74.50 | 73.18 |
| Interest Income / Total Assets (%) | 10.61 | 10.23 | 9.47 | 9.03 | 9.79 |
| Non-Interest Income / Total Assets (%) | 2.02 | 2.00 | 1.86 | 1.66 | 1.38 |
| Operating Profit / Total Assets (%) | -1.59 | -1.00 | -0.82 | -1.59 | -1.08 |
| Operating Expenses / Total Assets (%) | 5.49 | 5.45 | 5.04 | 5.04 | 4.32 |
| Interest Expenses / Total Assets (%) | 5.00 | 4.68 | 4.20 | 3.92 | 5.26 |
| Enterprise Value (Rs.Cr.) | 317243.54 | 293817.64 | 227532.22 | 177491.19 | 161267.27 |
| EV Per Net Sales (X) | 8.69 | 9.69 | 10.01 | 10.34 | 10.10 |
| Price To Book Value (X) | 1.05 | 1.65 | 1.41 | 1.17 | 1.77 |
| Price To Sales (X) | 1.10 | 1.76 | 1.60 | 1.44 | 1.98 |
| Retention Ratios (%) | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.03 | 0.05 | 0.06 | 0.01 | 0.01 |
After reviewing the key financial ratios for IDFC First 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 2.04. This value is below the healthy minimum of 5. It has decreased from 4.30 (Mar 24) to 2.04, marking a decrease of 2.26.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.03. This value is below the healthy minimum of 5. It has decreased from 4.23 (Mar 24) to 2.03, marking a decrease of 2.20.
- For Cash EPS (Rs.), as of Mar 25, the value is 3.18. This value is within the healthy range. It has decreased from 4.16 (Mar 24) to 3.18, marking a decrease of 0.98.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 52.11. It has increased from 45.65 (Mar 24) to 52.11, marking an increase of 6.46.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 52.11. It has increased from 45.65 (Mar 24) to 52.11, marking an increase of 6.46.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 2.04. This value is within the healthy range. It has decreased from 4.16 (Mar 24) to 2.04, marking a decrease of 2.12.
- For Net Profit Margin (%), as of Mar 25, the value is 4.08. This value is below the healthy minimum of 5. It has decreased from 9.70 (Mar 24) to 4.08, marking a decrease of 5.62.
- For Return On Assets (%), as of Mar 25, the value is 0.43. This value is below the healthy minimum of 5. It has decreased from 0.99 (Mar 24) to 0.43, marking a decrease of 0.56.
- For Retention Ratios (%), as of Mar 25, the value is 100.00. This value exceeds the healthy maximum of 70. There is no change compared to the previous period (Mar 24) which recorded 100.00.
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 IDFC First Bank Ltd:
- Net Profit Margin: 4.08%
- 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: 50.1 (Industry average Stock P/E: 18.56)
- 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: 4.08%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | KRM Tower, Chennai (Madras) Tamil Nadu 600031 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjeeb Chaudhuri | Chairman & Ind.Director |
| Mr. V Vaidyanathan | Managing Director & CEO |
| Mr. Pradeep Natarajan | Executive Director |
| Ms. Matangi Gowrishankar | Independent Director |
| Mr. Sudhir Kapadia | Independent Director |
| Mr. Uday Shirish Bhansali | Independent Director |
| Mr. Aashish Kamat | Independent Director |
| Mr. S Ganesh Kumar | Independent Director |
| Mrs. Pankajam Sridevi | Independent Director |
| Mr. Pravir Vohra | Independent Director |
FAQ
What is the intrinsic value of IDFC First Bank Ltd?
IDFC First Bank Ltd's intrinsic value (as of 18 January 2026) is ₹166.76 which is 99.00% higher the current market price of ₹83.80, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹72,031 Cr. market cap, FY2025-2026 high/low of ₹87.0/52.5, reserves of ₹37,753 Cr, and liabilities of ₹382,334 Cr.
What is the Market Cap of IDFC First Bank Ltd?
The Market Cap of IDFC First Bank Ltd is 72,031 Cr..
What is the current Stock Price of IDFC First Bank Ltd as on 18 January 2026?
The current stock price of IDFC First Bank Ltd as on 18 January 2026 is ₹83.8.
What is the High / Low of IDFC First Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of IDFC First Bank Ltd stocks is ₹87.0/52.5.
What is the Stock P/E of IDFC First Bank Ltd?
The Stock P/E of IDFC First Bank Ltd is 50.1.
What is the Book Value of IDFC First Bank Ltd?
The Book Value of IDFC First Bank Ltd is 63.1.
What is the Dividend Yield of IDFC First Bank Ltd?
The Dividend Yield of IDFC First Bank Ltd is 0.30 %.
What is the ROCE of IDFC First Bank Ltd?
The ROCE of IDFC First Bank Ltd is 6.22 %.
What is the ROE of IDFC First Bank Ltd?
The ROE of IDFC First Bank Ltd is 4.21 %.
What is the Face Value of IDFC First Bank Ltd?
The Face Value of IDFC First Bank Ltd is 10.0.