IDFC First Bank Ltd: Intrinsic Value & Share Price Analysis

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

IDFC First Bank Ltd is trading at 67.20 as of 27 April 2026, with a FY2026-2027 high of 87.0 and low of 58.1. The stock is currently in the middle of its 52-week range. Market cap stands at 57,833 Cr..

Q: Is IDFC First Bank Ltd financially healthy?

Key indicators: ROCE of 5.98 % is on the lower side. Dividend yield is 0.37 %.

Q: 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.

Fair Value

₹59.71Overvalued by 11.15%vs CMP ₹67.20

P/E (35.9) × ROE (3.8%) × BV (₹54.80) × DY (0.37%)

₹51.28Overvalued by 23.69%vs CMP ₹67.20

MoS: -31% (Negative)Confidence: 56/100 (Moderate)Models: 1 Under, 6 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹94.18	27%	Under (+40.1%)
Graham Number	Earnings	₹50.28	19%	Over (-25.2%)
Earnings Power	Earnings	₹23.19	13%	Over (-65.5%)
DCF	Cash Flow	₹44.93	13%	Over (-33.1%)
Net Asset Value	Assets	₹53.85	9%	Over (-19.9%)
EV/EBITDA	Enterprise	₹9.71	11%	Over (-85.6%)
Earnings Yield	Earnings	₹20.50	9%	Over (-69.5%)
Consensus (7 models)		₹51.28	100%	Overvalued

Key Drivers: EPS CAGR 57.7% lifts DCF — verify sustainability. | ROE 3.8% 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

Analyst Summary

IDFC First Bank Ltd operates in the Finance - Banks - Private Sector segment, NSE: IDFCFIRSTB | BSE: 539437, current market price is ₹67.20, market cap is 57,833 Cr.. At a glance, stock P/E is 35.9, ROE is 3.78 %, ROCE is 5.98 %, book value is 54.8, dividend yield is 0.37 %. The latest intrinsic value estimate is ₹51.28, around 23.7% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹36,502 Cr versus the prior period change of 20.4%, while latest net profit is about ₹1,490 Cr with a prior-period change of -49.4%. The 52-week range shown on this page is 87.0/58.1, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisIDFC 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 L6…

This summary is generated from the stock page data available for IDFC First Bank Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

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 6.0% WeakROE 3.8% 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 35.9 vs industry 18.6 Premium to peersROCE 6.0% vs industry 6.7% AverageROE 3.8% vs industry 11.5% 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.

Share Price and Basic Stock Data

Last Updated: April 25, 2026, 10:48 pm

Market Cap	57,833 Cr.
Current Price	67.2
Intrinsic Value	₹51.28
High / Low	87.0/58.1
Stock P/E	35.9
Book Value	54.8
Dividend Yield	0.37 %
ROCE	5.98 %
ROE	3.78 %
Face Value	10.0
PEG Ratio	0.62

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

Stock P/E Current Price Intrinsic Value

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	57,833 Cr.	67.2	87.0/58.1	35.9	54.8	0.37 %	5.98 %	3.78 %	10.0
Yes Bank Ltd	62,258 Cr.	19.8	24.3/17.2	17.7	16.3	0.00 %	5.98 %	7.10 %	2.00
IndusInd Bank Ltd	66,064 Cr.	848	969/711	70.8	838	0.00 %	5.69 %	1.44 %	10.0
Federal Bank Ltd	72,213 Cr.	293	302/183	17.6	147	0.41 %	7.03 %	12.9 %	2.00
Karur Vysya Bank Ltd	28,555 Cr.	295	344/167	12.4	132	0.73 %	7.38 %	17.6 %	2.00
Industry Average	146,759.91 Cr	333.68		18.58	218.20	0.56%	6.67%	11.54%	6.30

All Competitor Stocks of IDFC First Bank Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	5,912	6,424	6,869	7,356	7,880	8,220	8,789	8,957	9,343	9,413	9,642	9,937	10,417
Interest	2,626	2,827	3,122	3,406	3,592	3,750	4,093	4,169	4,440	4,505	4,709	4,824	4,924
Expenses	3,612	3,901	4,114	4,377	4,874	5,164	5,417	6,270	6,260	6,459	6,589	6,581	7,006
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	1,152	1,398	1,364	1,410	1,517	1,642	1,574	1,727	1,780	1,895	2,227	1,891	2,125
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	827	1,094	996	983	930	948	853	245	422	344	571	424	611
Tax %	25%	25%	27%	24%	21%	23%	25%	14%	19%	14%	21%	18%	22%
Net Profit	617	816	732	747	732	732	643	212	340	296	453	348	479
EPS in Rs	0.99	1.23	1.10	1.11	1.04	1.04	0.91	0.28	0.46	0.40	0.62	0.47	0.56
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

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	39,409
Interest	6,515	7,126	8,743	10,228	8,585	7,465	10,091	13,870	17,208	18,963
Expenses	1,432	1,789	4,702	9,760	8,733	12,323	13,338	17,899	23,571	26,635
Financing Profit	631	184	-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	1,019	1,120	824	1,722	2,211	3,173	4,467	5,932	6,977	8,139
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	1,950
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	1,576
EPS in Rs	3.00	2.58	-3.99	-5.91	0.85	0.21	3.75	4.16	2.04	2.05
Dividend Payout %	25%	29%	0%	0%	0%	0%	0%	0%	12%

Profit & Loss Yearly Chart

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

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	14,128	-5,978	17,364	10,966	14,042	2,679	3,563	11,543	14,465	6,817
Cash from Investing Activity +	-4,918	-1,027	-494	-3,790	-2,833	-2,960	-11,996	-9,887	-3,174	-14,143
Cash from Financing Activity +	-6,974	6,742	-12,220	-12,539	-9,598	10,211	6,509	-2,954	-8,673	4,972
Net Cash Flow	2,236	-263	4,649	-5,363	1,610	9,929	-1,924	-1,298	2,618	-2,355
Free Cash Flow	13,861	-6,148	17,092	10,546	13,492	2,200	2,383	10,379	13,579	6,067
CFO/OP	201%	-77%	231%	172%	187%	52%	42%	99%	113%	53%

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	17,07,479	17,37,955	20,38,988	23,82,674	26,11,512	27,63,050	28,56,377	32,94,939	32,78,259	31,54,467	30,40,715	28,65,887

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Motilal Oswal Midcap Fund	61,147,981	1.48	511.07	N/A	N/A	N/A
Tata Small Cap Fund	59,774,540	4.64	499.6	N/A	N/A	N/A
Tata Large & Mid Cap Fund	48,250,000	4.96	403.27	N/A	N/A	N/A
HSBC Midcap Fund	45,994,042	3.16	384.42	37,541,843	2026-02-23 04:08:31	22.51%
Sundaram Mid Cap Fund	37,978,844	2.46	317.43	N/A	N/A	N/A
Edelweiss Mid Cap Fund	33,269,009	2.01	278.06	32,227,248	2026-02-23 04:08:31	3.23%
Franklin India Mid Cap Fund	31,393,177	2.15	262.38	28,893,177	2026-01-26 00:57:43	8.65%
HSBC Small Cap Fund	26,623,000	1.48	222.52	21,969,820	2026-02-23 04:08:31	21.18%
Franklin India Opportunities Fund	25,878,858	2.62	216.3	20,839,989	2026-01-26 05:04:24	24.18%
UTI Mid Cap Fund	21,500,000	1.56	179.7	18,850,000	2026-01-26 05:04:24	14.06%

ROCE Trend

EPS Trend

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

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.

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 and is it undervalued?

As of 27 April 2026, IDFC First Bank Ltd's intrinsic value is ₹51.28, which is 23.69% lower than the current market price of ₹67.20, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (3.78 %), book value (₹54.8), dividend yield (0.37 %), 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 ₹67.20 as of 27 April 2026, with a FY2026-2027 high of ₹87.0 and low of ₹58.1. The stock is currently in the middle of its 52-week range. Market cap stands at ₹57,833 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 35.9, which is above the industry average of 18.58. The premium over industry average may reflect growth expectations or speculative interest.

Is IDFC First Bank Ltd financially healthy?

Key indicators for IDFC First Bank Ltd: ROCE of 5.98 % is on the lower side compared to the industry average of 6.67%; ROE of 3.78 % is below ideal levels (industry average: 11.54%). Dividend yield is 0.37 %.

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 0.37 % at the current price of ₹67.20. The company pays dividends, though the yield is modest.