Share Price and Basic Stock Data
Last Updated: December 24, 2025, 9:05 pm
| PEG Ratio | 0.90 |
|---|
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, with a current market capitalization of ₹72,378 Cr and a share price of ₹84.2. The bank reported a robust revenue growth trajectory, with quarterly revenues increasing from ₹4,922 Cr in June 2022 to ₹7,356 Cr in September 2023. The upward trend continued, with revenue projected to reach ₹9,413 Cr by March 2025. Annual revenue figures have shown a consistent rise, from ₹17,173 Cr in FY 2022 to ₹22,728 Cr in FY 2023, and are expected to reach ₹30,325 Cr in FY 2024, ultimately hitting ₹36,502 Cr in FY 2025. This growth reflects the bank’s successful strategy in expanding its customer base and enhancing its product offerings, despite the challenging economic environment. The increase in revenue is indicative of the bank’s ability to effectively capture market opportunities and meet customer demands.
Profitability and Efficiency Metrics
IDFC First Bank’s profitability metrics reveal a mixed performance. The bank recorded a net profit of ₹1,437 Cr for the trailing twelve months, which reflects a decline from ₹2,485 Cr in FY 2023. The net profit margin stood at 4.08% in FY 2025, down from 9.70% in FY 2024, indicating increasing pressure on profitability. Efficiency ratios highlight a return on equity (ROE) of 4.21% and a return on capital employed (ROCE) of 6.22%, which are relatively low compared to typical sector ranges. The financing profit has been negative, indicating a financing margin of -12% in FY 2025, down from -5% in FY 2024. The bank’s ability to manage costs and enhance operational efficiency will be crucial in improving profitability moving forward, especially as it navigates the competitive banking landscape.
Balance Sheet Strength and Financial Ratios
IDFC First Bank’s balance sheet strength is supported by a significant reserve base of ₹37,753 Cr. Total assets grew from ₹239,882 Cr in FY 2023 to ₹296,210 Cr in FY 2024, reflecting robust growth in deposits, which stood at ₹200,570 Cr in FY 2024. The bank’s equity capital increased to ₹7,322 Cr by FY 2025, with total liabilities reaching ₹343,909 Cr. Financial ratios indicate a price-to-earnings (P/E) ratio of 50.4, suggesting a premium valuation in the market. However, the price-to-book value (P/BV) ratio of 1.05 indicates that the stock is valued closely to its book value, which may suggest limited upside unless earnings improve. The cost-to-income ratio of 71.91% is relatively high, indicating potential inefficiencies that could impact profitability if not addressed.
Shareholding Pattern and Investor Confidence
The shareholding pattern of IDFC First Bank reflects a diversified ownership structure, with foreign institutional investors (FIIs) holding 35.60%, domestic institutional investors (DIIs) at 20.78%, and the public at 35.80%. Promoter ownership has declined significantly to 0%, which may raise concerns about long-term strategic direction and stability. The increase in FII participation from 19.31% in March 2023 to 35.60% by October 2025 indicates growing confidence among foreign investors. Meanwhile, DIIs have also increased their stake from 7.69% in March 2023 to 20.78% in October 2025, suggesting a positive outlook among domestic institutional investors. The total number of shareholders increased from 1,707,479 in March 2023 to 30,40,717 by October 2025, indicating a growing interest in the bank’s equity.
Outlook, Risks, and Final Insight
IDFC First Bank faces several strengths and risks as it navigates the evolving banking landscape. Strengths include a strong revenue growth trajectory and a diversified shareholder base, which can provide stability and support for strategic initiatives. However, the bank’s declining profitability, evidenced by reducing net profit margins and negative financing profits, poses a significant risk. Additionally, high operational costs and low ROE may hinder its competitive positioning. Looking ahead, the bank’s performance will depend on its ability to control costs, enhance operational efficiencies, and improve profitability metrics. The outlook remains contingent on effective management of these challenges, alongside leveraging growth opportunities in a competitive market environment.
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 | 2,127 Cr. | 256 | 345/180 | 26.5 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,353 Cr. | 26.2 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,198 Cr. | 263 | 331/250 | 8.86 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,058 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,289 Cr. | 53.0 | 56.3/30.8 | 24.7 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,708.13 Cr | 416.70 | 18.37 | 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 | 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: 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: 50.4 (Industry average Stock P/E: 18.37)
- 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 24 December 2025) is 107.43 which is 27.59% higher the current market price of 84.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 72,395 Cr. market cap, FY2025-2026 high/low of 86.0/52.5, 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 72,395 Cr..
What is the current Stock Price of IDFC First Bank Ltd as on 24 December 2025?
The current stock price of IDFC First Bank Ltd as on 24 December 2025 is 84.2.
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 86.0/52.5.
What is the Stock P/E of IDFC First Bank Ltd?
The Stock P/E of IDFC First Bank Ltd is 50.4.
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.