Share Price and Basic Stock Data
Last Updated: October 28, 2025, 2:06 pm
| PEG Ratio | 0.85 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
IDFC First Bank Ltd operates within the private sector banking industry, with its current share price at ₹76.8 and a market capitalization of ₹62,583 Cr. The bank reported a consistent upward trend in revenue, which increased from ₹4,922 Cr in June 2022 to ₹7,356 Cr in September 2023. This trajectory reflects a strong growth strategy and effective management, culminating in a total revenue of ₹22,728 Cr for the fiscal year ending March 2023. The bank’s revenues are projected to rise to ₹30,325 Cr in FY 2024 and ₹36,502 Cr in FY 2025, indicating a robust expansion outlook. Interest income also demonstrated a positive trend, reaching ₹3,406 Cr by September 2023, while total interest income for FY 2023 stood at ₹10,091 Cr. This growth in revenue is supported by an increasing customer base and product offerings, aligning with the bank’s strategic goals in the competitive banking landscape.
Profitability and Efficiency Metrics
IDFC First Bank’s profitability metrics reveal a mixed performance. The bank recorded a net profit of ₹1,490 Cr for FY 2025, down from ₹2,485 Cr in FY 2023. The net profit margin for FY 2025 stood at 4.08%, reflecting challenges in maintaining margins amid rising expenses. The financing profit, however, remained negative, standing at ₹-4,277 Cr in FY 2025, indicating ongoing issues with cost management. The bank’s Return on Equity (ROE) for FY 2025 was reported at 4.21%, significantly lower than the typical sector average, which often exceeds 10%. The cost-to-income ratio was high at 71.91%, suggesting inefficiencies in managing operational costs. While the bank’s other income has shown growth, reaching ₹6,977 Cr in FY 2025, the overall efficiency metrics indicate that IDFC First Bank must enhance its operational effectiveness to improve profitability further.
Balance Sheet Strength and Financial Ratios
IDFC First Bank’s balance sheet displays a solid foundation, with total assets reported at ₹343,909 Cr as of March 2025, indicating a significant increase from ₹239,882 Cr in March 2023. The bank’s reserves have grown to ₹30,834 Cr, reflecting prudent capital management and regulatory compliance. The equity capital has also increased to ₹7,322 Cr in FY 2025, supporting the bank’s growth initiatives. Additionally, the bank’s debt levels have decreased, with borrowings at ₹38,984 Cr in FY 2025, down from ₹57,212 Cr in FY 2023. Financial ratios such as the Price to Book Value (P/BV) stood at 1.05, suggesting that the stock is reasonably valued compared to its book value. However, the Return on Assets (ROA) of 0.43% indicates lower asset efficiency compared to the sector average. These metrics underscore the bank’s steady growth but also highlight areas needing improvement in asset utilization.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IDFC First Bank reflects a diverse investor base, with public ownership at 37.73% as of October 2025. Foreign Institutional Investors (FIIs) hold 32.14%, indicating strong international interest. Domestic Institutional Investors (DIIs) accounted for 21.90% of the shareholding, showcasing confidence from local institutions. Notably, promoter holdings have drastically declined from 39.99% in March 2023 to 0.00% by March 2025, which may raise concerns about governance and long-term strategic direction. The increase in public shareholders from 17,07,479 in March 2023 to 30,40,716 in October 2025 illustrates growing retail investor interest. This shift in ownership dynamics could impact the bank’s future strategic decisions and operational independence, requiring careful management to maintain investor confidence amidst the changing landscape.
Outlook, Risks, and Final Insight
The outlook for IDFC First Bank hinges on its ability to navigate profitability challenges and improve operational efficiency. Continued revenue growth and a solid capital base provide a foundation for future expansion, but the bank faces risks related to its high cost-to-income ratio and negative financing margin. The fluctuating promoter stake raises questions about governance, potentially affecting strategic decisions. The bank must focus on enhancing its net interest margin and managing operational costs to sustain profitability. Additionally, maintaining investor confidence amid changing ownership dynamics will be crucial for long-term stability. Should the bank successfully implement strategies to address these risks, it may leverage its growth potential and solidify its position in the competitive banking sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of IDFC First 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 | 2,546 Cr. | 306 | 396/180 | 29.6 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,467 Cr. | 28.5 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,290 Cr. | 285 | 331/250 | 9.65 | 304 | 1.40 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,315 Cr. | 22.7 | 24.3/16.0 | 25.1 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,377 Cr. | 53.6 | 54.6/30.8 | 24.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,651.78 Cr | 415.45 | 17.96 | 238.44 | 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 | 4,922 | 5,470 | 5,912 | 6,424 | 6,869 | 7,356 | 7,880 | 8,220 | 8,789 | 8,957 | 9,343 | 9,413 | 9,642 |
| Interest | 2,170 | 2,467 | 2,626 | 2,827 | 3,122 | 3,406 | 3,592 | 3,750 | 4,093 | 4,169 | 4,440 | 4,505 | 4,709 |
| Expenses | 2,957 | 3,304 | 3,612 | 3,901 | 4,114 | 4,377 | 4,874 | 5,164 | 5,417 | 6,270 | 6,260 | 6,459 | 6,589 |
| Financing Profit | -205 | -301 | -326 | -303 | -367 | -427 | -587 | -694 | -721 | -1,482 | -1,358 | -1,551 | -1,656 |
| Financing Margin % | -4% | -6% | -6% | -5% | -5% | -6% | -7% | -8% | -8% | -17% | -15% | -16% | -17% |
| Other Income | 856 | 1,061 | 1,152 | 1,398 | 1,364 | 1,410 | 1,517 | 1,642 | 1,574 | 1,727 | 1,780 | 1,895 | 2,227 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 650 | 760 | 827 | 1,094 | 996 | 983 | 930 | 948 | 853 | 245 | 422 | 344 | 571 |
| Tax % | 25% | 25% | 25% | 25% | 27% | 24% | 21% | 23% | 25% | 14% | 19% | 14% | 21% |
| Net Profit | 485 | 567 | 617 | 816 | 732 | 747 | 732 | 732 | 643 | 212 | 340 | 296 | 453 |
| EPS in Rs | 0.78 | 0.91 | 0.99 | 1.23 | 1.10 | 1.11 | 1.04 | 1.04 | 0.91 | 0.28 | 0.46 | 0.40 | 0.62 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 7:45 pm
Below is a detailed analysis of the quarterly data for IDFC First 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 4,709.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,505.00 Cr. (Mar 2025) to 4,709.00 Cr., marking an increase of 204.00 Cr..
- For Expenses, as of Jun 2025, the value is 6,589.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,459.00 Cr. (Mar 2025) to 6,589.00 Cr., marking an increase of 130.00 Cr..
- For Other Income, as of Jun 2025, the value is 2,227.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,895.00 Cr. (Mar 2025) to 2,227.00 Cr., marking an increase of 332.00 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 571.00 Cr.. The value appears strong and on an upward trend. It has increased from 344.00 Cr. (Mar 2025) to 571.00 Cr., marking an increase of 227.00 Cr..
- For Tax %, as of Jun 2025, the value is 21.00%. The value appears to be increasing, which may not be favorable. It has increased from 14.00% (Mar 2025) to 21.00%, marking an increase of 7.00%.
- For Net Profit, as of Jun 2025, the value is 453.00 Cr.. The value appears strong and on an upward trend. It has increased from 296.00 Cr. (Mar 2025) to 453.00 Cr., marking an increase of 157.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.62. The value appears strong and on an upward trend. It has increased from 0.40 (Mar 2025) to 0.62, marking an increase of 0.22.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 22, 2025, 6:02 pm
| 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 | 37,355 |
| Interest | 6,515 | 7,126 | 8,743 | 10,228 | 8,585 | 7,465 | 10,091 | 13,870 | 17,208 | 17,824 |
| Expenses | 1,432 | 1,789 | 4,702 | 9,760 | 8,733 | 12,323 | 13,338 | 17,899 | 23,571 | 25,578 |
| Financing Profit | 631 | 184 | -1,241 | -3,748 | -1,350 | -2,615 | -701 | -1,444 | -4,277 | -6,047 |
| 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 | 7,630 |
| 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 | 1,583 |
| 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 | 1,301 |
| EPS in Rs | 3.00 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 | 2.04 | 1.76 |
| 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: July 25, 2025, 3:03 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3,399 | 3,404 | 4,782 | 4,810 | 5,676 | 6,218 | 6,618 | 7,070 | 7,322 |
| Reserves | 11,278 | 11,870 | 13,418 | 10,594 | 12,224 | 14,864 | 19,229 | 25,204 | 30,834 |
| Deposits | 40,098 | 48,039 | 70,354 | 65,079 | 88,536 | 105,540 | 144,470 | 200,570 | 252,010 |
| Borrowing | 50,262 | 57,287 | 69,983 | 57,397 | 45,786 | 52,963 | 57,212 | 50,936 | 38,984 |
| Other Liabilities | 7,027 | 5,781 | 8,563 | 11,279 | 10,849 | 10,561 | 12,353 | 12,430 | 14,759 |
| Total Liabilities | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 |
| Fixed Assets | 933 | 797 | 940 | 999 | 1,370 | 1,448 | 2,054 | 2,720 | 2,802 |
| CWIP | 6 | 3 | 34 | 74 | 65 | 79 | 219 | 95 | 74 |
| Investments | 50,164 | 60,904 | 58,245 | 45,174 | 45,182 | 45,935 | 60,913 | 74,500 | 80,505 |
| Other Assets | 60,962 | 64,677 | 107,880 | 102,911 | 116,454 | 142,684 | 176,696 | 218,895 | 260,528 |
| Total Assets | 112,064 | 126,382 | 167,099 | 149,159 | 163,072 | 190,146 | 239,882 | 296,210 | 343,909 |
Below is a detailed analysis of the balance sheet data for IDFC First 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 7,322.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,070.00 Cr. (Mar 2024) to 7,322.00 Cr., marking an increase of 252.00 Cr..
- For Reserves, as of Mar 2025, the value is 30,834.00 Cr.. The value appears strong and on an upward trend. It has increased from 25,204.00 Cr. (Mar 2024) to 30,834.00 Cr., marking an increase of 5,630.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 14,759.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12,430.00 Cr. (Mar 2024) to 14,759.00 Cr., marking an increase of 2,329.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 343,909.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 296,210.00 Cr. (Mar 2024) to 343,909.00 Cr., marking an increase of 47,699.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 2,802.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,720.00 Cr. (Mar 2024) to 2,802.00 Cr., marking an increase of 82.00 Cr..
- For CWIP, as of Mar 2025, the value is 74.00 Cr.. The value appears to be declining and may need further review. It has decreased from 95.00 Cr. (Mar 2024) to 74.00 Cr., marking a decrease of 21.00 Cr..
- For Investments, as of Mar 2025, the value is 80,505.00 Cr.. The value appears strong and on an upward trend. It has increased from 74,500.00 Cr. (Mar 2024) to 80,505.00 Cr., marking an increase of 6,005.00 Cr..
- For Other Assets, as of Mar 2025, the value is 260,528.00 Cr.. The value appears strong and on an upward trend. It has increased from 218,895.00 Cr. (Mar 2024) to 260,528.00 Cr., marking an increase of 41,633.00 Cr..
- For Total Assets, as of Mar 2025, the value is 343,909.00 Cr.. The value appears strong and on an upward trend. It has increased from 296,210.00 Cr. (Mar 2024) to 343,909.00 Cr., marking an increase of 47,699.00 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 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 |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty Bank BeES | 16,513,727 | 2.01 | 124.51 | 16,513,727 | 2025-04-22 17:25:32 | 0% |
| HDFC Large and Mid Cap Fund - Regular Plan | 13,515,917 | 0.59 | 101.91 | 13,515,917 | 2025-04-22 17:25:32 | 0% |
| Motilal Oswal Large and Midcap Fund | 12,950,000 | 2.67 | 97.64 | 12,950,000 | 2025-04-22 17:25:32 | 0% |
| Aditya Birla Sun Life Nifty Bank ETF | 7,010,777 | 2.01 | 52.86 | 7,010,777 | 2025-04-22 17:25:32 | 0% |
| HDFC NIFTY Bank ETF | 6,201,024 | 2.01 | 46.76 | 6,201,024 | 2025-04-22 01:25:03 | 0% |
| HDFC NIFTY Private Bank ETF | 2,168,418 | 4.99 | 16.35 | 2,168,418 | 2025-04-22 17:25:32 | 0% |
| Motilal Oswal Nifty Midcap 150 Index Fund | 2,061,227 | 1.11 | 15.54 | 2,061,227 | 2025-04-22 17:25:32 | 0% |
| Nippon India ETF Nifty Midcap 150 | 1,930,197 | 1.11 | 14.55 | 1,930,197 | 2025-04-22 17:25:32 | 0% |
| LIC MF Large & Mid Cap Fund | 1,721,861 | 0.51 | 12.98 | 1,721,861 | 2025-04-22 17:25:32 | 0% |
| Nippon India Nifty Midcap 150 Index Fund | 1,692,380 | 1.1 | 12.76 | 1,692,380 | 2025-04-22 17:25:32 | 0% |
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
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 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: 44.8 (Industry average Stock P/E: 17.96)
- 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 | bank.info@idfcfirstbank.com http://www.idfcfirstbank.com |
| 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 28 October 2025) is 95.52 which is 20.61% higher the current market price of 79.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 64,596 Cr. market cap, FY2025-2026 high/low of 80.1/52.5, reserves of ₹30,834 Cr, and liabilities of 343,909 Cr.
What is the Market Cap of IDFC First Bank Ltd?
The Market Cap of IDFC First Bank Ltd is 64,596 Cr..
What is the current Stock Price of IDFC First Bank Ltd as on 28 October 2025?
The current stock price of IDFC First Bank Ltd as on 28 October 2025 is 79.2.
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 80.1/52.5.
What is the Stock P/E of IDFC First Bank Ltd?
The Stock P/E of IDFC First Bank Ltd is 44.8.
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 0.33 %.
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.