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Last Updated: April 2, 2026, 3:04 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 539437 | NSE: IDFCFIRSTB

IDFC First Bank Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹60.64Fairly Valued by 0.73%vs CMP ₹60.20

P/E (32.9) × ROE (4.2%) × BV (₹54.50) × DY (0.42%)

₹51.66Overvalued by 14.19%vs CMP ₹60.20
MoS: -16.5% (Negative)Confidence: 56/100 (Moderate)Models: 1 Under, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹95.6527%Under (+58.9%)
Graham NumberEarnings₹50.1419%Over (-16.7%)
Earnings PowerEarnings₹23.2113%Over (-61.4%)
DCFCash Flow₹44.9713%Over (-25.3%)
Net Asset ValueAssets₹53.899%Over (-10.5%)
EV/EBITDAEnterprise₹9.7211%Over (-83.9%)
Earnings YieldEarnings₹20.509%Over (-65.9%)
Consensus (7 models)₹51.66100%Overvalued
Key Drivers: EPS CAGR 57.7% lifts DCF — verify sustainability. | ROE 4.2% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 57.7%

*Investments are subject to market risks

Investment Snapshot

50
IDFC First Bank Ltd scores 50/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health54/100 · Moderate
ROCE 6.2% WeakROE 4.2% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 11.08% (6mo) AccumulatingDII holding up 3.08% MF buyingPromoter holding at 0.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum40/100 · Moderate
Profit (4Q): -18% YoY Declining
Industry Rank30/100 · Weak
P/E 32.9 vs industry 15.0 Premium to peersROCE 6.2% vs industry 6.8% AverageROE 4.2% vs industry 11.8% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

IDFC First Bank Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
30/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 32.9 vs Ind 15.0 | ROCE 6.2% | ROE 4.2% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 0.00x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹1,490 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII +12.12 pp | DII -1.95 pp | Prom 0.00 pp
Business Momentum
+45
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +37.6% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-14.2%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change+12.12 ppLatest FII% minus previous FII%
DII Change-1.95 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-174,828Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+37.6%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:04 am

Market Cap 51,765 Cr.
Current Price 60.2
Intrinsic Value₹51.66
High / Low 87.0/52.5
Stock P/E32.9
Book Value 54.5
Dividend Yield0.42 %
ROCE6.22 %
ROE4.21 %
Face Value 10.0
PEG Ratio0.57

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for IDFC First Bank Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
IDFC First Bank Ltd 51,765 Cr. 60.2 87.0/52.532.9 54.50.42 %6.22 %4.21 % 10.0
Yes Bank Ltd 56,201 Cr. 17.9 24.3/16.117.7 16.00.00 %6.36 %5.46 % 2.00
IndusInd Bank Ltd 61,210 Cr. 786 969/618 8300.00 %6.49 %4.15 % 10.0
Federal Bank Ltd 65,944 Cr. 268 302/18316.1 1470.45 %7.03 %12.9 % 2.00
Karur Vysya Bank Ltd 28,208 Cr. 292 344/15812.3 1320.74 %7.38 %17.6 % 2.00
Industry Average135,761.26 Cr305.6715.04214.170.61%6.84%11.80%6.30

All Competitor Stocks of IDFC First Bank Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue5,9126,4246,8697,3567,8808,2208,7898,9579,3439,4139,6429,93710,417
Interest 2,6262,8273,1223,4063,5923,7504,0934,1694,4404,5054,7094,8244,924
Expenses 3,6123,9014,1144,3774,8745,1645,4176,2706,2606,4596,5896,5817,006
Financing Profit-326-303-367-427-587-694-721-1,482-1,358-1,551-1,656-1,468-1,514
Financing Margin %-6%-5%-5%-6%-7%-8%-8%-17%-15%-16%-17%-15%-15%
Other Income 1,1521,3981,3641,4101,5171,6421,5741,7271,7801,8952,2271,8912,125
Depreciation 0000000000000
Profit before tax 8271,094996983930948853245422344571424611
Tax % 25%25%27%24%21%23%25%14%19%14%21%18%22%
Net Profit 617816732747732732643212340296453348479
EPS in Rs 0.991.231.101.111.041.040.910.280.460.400.620.470.56
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 3:06 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 11:16 am

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue8,5789,09812,20416,24015,96817,17322,72830,32536,50239,409
Interest 6,5157,1268,74310,2288,5857,46510,09113,87017,20818,963
Expenses 1,4321,7894,7029,7608,73312,32313,33817,89923,57126,635
Financing Profit631184-1,241-3,748-1,350-2,615-701-1,444-4,277-6,188
Financing Margin %7%2%-10%-23%-8%-15%-3%-5%-12%-16%
Other Income 1,0191,1208241,7222,2113,1734,4675,9326,9778,139
Depreciation 1361682,8203203433824356318360
Profit before tax 1,5141,135-3,237-2,3465191753,3313,8571,8641,950
Tax % 30%16%-41%21%7%24%25%24%20%
Net Profit 1,019880-1,908-2,8434831322,4852,9421,4901,576
EPS in Rs 3.002.58-3.99-5.910.850.213.754.162.042.05
Dividend Payout % 25%29%0%0%0%0%0%0%12%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 3,3993,4044,7824,8105,6766,2186,6187,0707,3228,589
Reserves 11,27811,87013,41810,59412,22414,86419,22925,20430,83437,753
Deposits40,09848,03970,35465,07988,536105,540144,470200,570252,010276,737
Borrowing50,26257,28769,98357,39745,78652,96357,21250,93638,98440,792
Other Liabilities 7,0275,7818,56311,27910,84910,56112,35312,43014,75918,463
Total Liabilities 112,064126,382167,099149,159163,072190,146239,882296,210343,909382,334
Fixed Assets 9337979409991,3701,4482,0542,7202,8022,658
CWIP 633474657921995740
Investments 50,16460,90458,24545,17445,18245,93560,91374,50080,50591,569
Other Assets 60,96264,677107,880102,911116,454142,684176,696218,895260,528288,106
Total Assets 112,064126,382167,099149,159163,072190,146239,882296,210343,909382,334

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 14,128-5,97817,36410,96614,0422,6793,56311,54314,465
Cash from Investing Activity + -4,918-1,027-494-3,790-2,833-2,960-11,996-9,887-3,174
Cash from Financing Activity + -6,9746,742-12,220-12,539-9,59810,2116,509-2,954-8,673
Net Cash Flow 2,236-2634,649-5,3631,6109,929-1,924-1,2982,618
Free Cash Flow 13,861-6,14817,09210,54613,4922,2002,38310,37913,579
CFO/OP 201%-77%231%172%187%52%42%99%113%

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 6%-11%-17%3%1%11%10%4%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 39.99%39.93%39.37%37.45%37.43%37.37%35.37%0.00%0.00%0.00%0.00%0.00%
FIIs 19.31%20.85%24.48%24.30%23.65%21.02%19.57%27.12%25.68%23.80%24.64%36.76%
DIIs 7.69%7.71%5.58%6.63%6.79%7.93%11.73%16.14%19.30%23.40%24.33%22.38%
Government 3.98%3.97%3.92%3.72%3.72%3.71%3.51%9.17%9.16%9.15%9.14%7.80%
Public 29.05%27.54%26.66%27.90%28.38%29.95%29.81%47.57%45.86%43.64%41.89%33.05%
No. of Shareholders 17,07,47917,37,95520,38,98823,82,67426,11,51227,63,05028,56,37732,94,93932,78,25931,54,46730,40,71528,65,887

Shareholding Pattern Chart

No. of Shareholders

IDFC First Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Motilal Oswal Midcap Fund 61,147,981 1.48 511.07N/AN/AN/A
Tata Small Cap Fund 59,774,540 4.64 499.6N/AN/AN/A
Tata Large & Mid Cap Fund 48,250,000 4.96 403.27N/AN/AN/A
HSBC Midcap Fund 45,994,042 3.16 384.4237,541,8432026-02-23 04:08:3122.51%
Sundaram Mid Cap Fund 37,978,844 2.46 317.43N/AN/AN/A
Edelweiss Mid Cap Fund 33,269,009 2.01 278.0632,227,2482026-02-23 04:08:313.23%
Franklin India Mid Cap Fund 31,393,177 2.15 262.3828,893,1772026-01-26 00:57:438.65%
HSBC Small Cap Fund 26,623,000 1.48 222.5221,969,8202026-02-23 04:08:3121.18%
Franklin India Opportunities Fund 25,878,858 2.62 216.320,839,9892026-01-26 05:04:2424.18%
UTI Mid Cap Fund 21,500,000 1.56 179.718,850,0002026-01-26 05:04:2414.06%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 2.044.303.980.210.88
Diluted EPS (Rs.) 2.034.233.920.210.87
Cash EPS (Rs.) 3.184.164.410.821.45
Book Value[Excl.RevalReserv]/Share (Rs.) 52.1145.6539.0633.9131.54
Book Value[Incl.RevalReserv]/Share (Rs.) 52.1145.6539.0633.9131.54
Operating Revenue / Share (Rs.)49.8542.8934.3427.6228.13
Net Profit / Share (Rs.) 2.044.163.750.210.85
Net Profit After MI / Share (Rs.)2.044.163.750.210.85
Net Profit Margin (%) 4.089.7010.930.773.02
Net Profit After MI And SOA Nargin (%)4.089.7010.930.773.02
Operating Profit Margin (%)5.6713.1414.521.025.01
Return On Assets (%) 0.430.991.030.060.29
Return On Equity / Networth (%)3.909.119.610.622.69
Net Interest Margin (X)5.615.555.265.104.52
Cost To Income (%)71.9172.1370.7874.5073.18
Interest Income / Total Assets (%)10.6110.239.479.039.79
Non-Interest Income / Total Assets (%)2.022.001.861.661.38
Operating Profit / Total Assets (%)-1.59-1.00-0.82-1.59-1.08
Operating Expenses / Total Assets (%)5.495.455.045.044.32
Interest Expenses / Total Assets (%)5.004.684.203.925.26
Enterprise Value (Rs.Cr.)317243.54293817.64227532.22177491.19161267.27
EV Per Net Sales (X)8.699.6910.0110.3410.10
Price To Book Value (X)1.051.651.411.171.77
Price To Sales (X)1.101.761.601.441.98
Retention Ratios (%) 100.00100.00100.00100.00100.00
Earnings Yield (X)0.030.050.060.010.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

IDFC First Bank Ltd. is a Public Limited Listed company incorporated on 21/10/2014 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65110TN2014PLC097792 and registration number is 097792. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 36501.49 Cr. and Equity Capital is Rs. 7322.11 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Private SectorKRM Tower, Chennai (Madras) Tamil Nadu 600031Contact not found
Management
NamePosition Held
Mr. Sanjeeb ChaudhuriChairman & Ind.Director
Mr. V VaidyanathanManaging Director & CEO
Mr. Pradeep NatarajanExecutive Director
Ms. Matangi GowrishankarIndependent Director
Mr. Sudhir KapadiaIndependent Director
Mr. Uday Shirish BhansaliIndependent Director
Mr. Aashish KamatIndependent Director
Mr. S Ganesh KumarIndependent Director
Mrs. Pankajam SrideviIndependent Director
Mr. Pravir VohraIndependent Director

FAQ

What is the intrinsic value of IDFC First Bank Ltd and is it undervalued?

As of 05 April 2026, IDFC First Bank Ltd's intrinsic value is ₹51.66, which is 14.19% lower than the current market price of ₹60.20, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (4.21 %), book value (₹54.5), dividend yield (0.42 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of IDFC First Bank Ltd?

IDFC First Bank Ltd is trading at ₹60.20 as of 05 April 2026, with a FY2026-2027 high of ₹87.0 and low of ₹52.5. The stock is currently near its 52-week low. Market cap stands at ₹51,765 Cr..

How does IDFC First Bank Ltd's P/E ratio compare to its industry?

IDFC First Bank Ltd has a P/E ratio of 32.9, which is above the industry average of 15.04. This significantly elevated P/E suggests the market expects strong future growth, or the stock may be overpriced relative to current earnings.

Is IDFC First Bank Ltd financially healthy?

Key indicators for IDFC First Bank Ltd: ROCE of 6.22 % is on the lower side compared to the industry average of 6.84%; ROE of 4.21 % is below ideal levels (industry average: 11.80%). Dividend yield is 0.42 %.

Is IDFC First Bank Ltd profitable and how is the profit trend?

IDFC First Bank Ltd reported a net profit of ₹1,490 Cr in Mar 2025 on revenue of ₹36,502 Cr. Compared to ₹132 Cr in Mar 2022, the net profit shows an improving trend.

Does IDFC First Bank Ltd pay dividends?

IDFC First Bank Ltd has a dividend yield of 0.42 % at the current price of ₹60.20. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in IDFC First Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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