Banks
Valuation | |
|---|---|
| Market Cap | 70.81 kCr |
| Price/Earnings (Trailing) | 12.42 |
| Price/Sales (Trailing) | 2.13 |
| EV/EBITDA | 3.02 |
| Price/Free Cashflow | 5.99 |
| MarketCap/EBT | 12.68 |
| Enterprise Value | 70.81 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 0.00% |
| Price Change 1M | 12% |
| Price Change 6M | 46.5% |
| Price Change 1Y | 56.4% |
| 3Y Cumulative Return | 29.4% |
| 5Y Cumulative Return | 28.1% |
| 7Y Cumulative Return | 18.8% |
| 10Y Cumulative Return | 20.1% |
| Revenue (TTM) |
| 33.3 kCr |
| Rev. Growth (Yr) | 3.7% |
| Earnings (TTM) | 4.2 kCr |
| Earnings Growth (Yr) | 18.5% |
Profitability | |
|---|---|
| Operating Margin | 21% |
| EBT Margin | 17% |
| Return on Equity | 1.14% |
| Return on Assets | 1.14% |
| Free Cashflow Yield | 16.7% |
| Cash Flow from Investing (TTM) | -3.79 kCr |
| Cash Flow from Operations (TTM) | 8.8 kCr |
| Cash Flow from Financing (TTM) | 7.4 kCr |
| Free Cash Flow (TTM) | 8.8 kCr |
| Free Cash Flow/Share (TTM) | 35.82 |
Balance Sheet | |
|---|---|
| Total Assets | 3.68 LCr |
| Shareholder Equity | 3.68 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.69 |
| Interest/Cashflow Ops | 1.49 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 1.2 |
| Dividend Yield | 0.42% |
| Shares Dilution (1Y) | 0.30% |
| Shares Dilution (3Y) | 16.4% |
Past Returns: Outperforming stock! In past three years, the stock has provided 29.4% return compared to 13% by NIFTY 50.
Profitability: Recent profitability of 13% is a good sign.
Smart Money: Smart money has been increasing their position in the stock.
Size: It is among the top 200 market size companies of india.
Insider Trading: There's significant insider buying recently.
Balance Sheet: Strong Balance Sheet.
No major cons observed.
Past Returns: Outperforming stock! In past three years, the stock has provided 29.4% return compared to 13% by NIFTY 50.
Profitability: Recent profitability of 13% is a good sign.
Smart Money: Smart money has been increasing their position in the stock.
Size: It is among the top 200 market size companies of india.
Insider Trading: There's significant insider buying recently.
Balance Sheet: Strong Balance Sheet.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 0.42% |
| Dividend/Share (TTM) | 1.2 |
| Shares Dilution (1Y) | 0.30% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 77.22 |
| RSI (5d) | 50 |
| RSI (21d) | 67.48 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Sell |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Updated May 5, 2025
Despite the positive profit growth, the stock closed down 3.30% at ₹196.60.
The bank highlighted concerns over narrowing net interest margins (NIMs) due to potential RBI rate cuts.
Shares closed 4% lower at ₹196.15, reflecting market uncertainty despite the reported profit increase.
Summary of Federal Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management provided an optimistic outlook for the upcoming financial year (FY '26), emphasizing their strategic focus on mid-yielding segments, robust growth in current accounts, and maintaining asset quality. Key financial highlights for FY '25 include a total business milestone of INR 5.18 lakh crore, net profit exceeding INR 4,000 crores, and a significant rise in other income to INR 1,006 crores. The net interest margin (NIM) improved slightly to 3.12%.
Management highlighted forward-looking points:
Overall, the management's outlook involves sustained growth, improved operating efficiency, and a focus on quality growth across their portfolios.
Understand Federal Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| HDFC MUTUAL FUND | 6.79% |
| INTERNATIONAL FINANCE CORPORATION | 3.84% |
| AXIS MUTUAL FUND | 3.52% |
| NIPPON LIFE INDIA TRUSTEE | 3.19% |
| YUSUFFALI MUSALIAM VEETTIL ABDUL KADER . | 3.14% |
| INVESCO INDIA MULTICAP FUND | 2.56% |
| REKHA JHUNJHUNWALA | 2.42% |
Detailed comparison of Federal Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | HDFC Bank | 14.61 LCr | 4.99 LCr | -1.30% | +9.30% | 20.79 | 2.93 | - | - |
| ICICIBANK | ICICI Bank | 9.99 LCr | 3.07 LCr |
Comprehensive comparison against sector averages
FEDERALBNK metrics compared to Banks
| Category | FEDERALBNK | Banks |
|---|---|---|
| PE | 12.42 | 18.87 |
| PS | 2.13 | 2.65 |
| Growth | 7.3 % | 5 % |
Federal Bank is a Private Sector Bank based in Aluva, India, with the stock ticker FEDERALBNK. The bank has a market capitalization of Rs. 49,048.1 Crores and offers a diverse range of banking and financial services across multiple segments including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations.
The bank's deposit offerings encompass various accounts such as:
In terms of lending, Federal Bank provides an extensive portfolio that includes:
Additionally, the bank offers a variety of financial products and services such as life, health, and general insurance, wealth management, mutual funds, and online trading. It also provides a wide range of operational services including remittances, fund transfers, payment collections, and various banking solutions via ATMs, internet banking, mobile banking, and tele banking.
Federal Bank has reported a trailing 12 months revenue of Rs. 31,024.1 Crores and has been profitable with a reported profit of Rs. 4,065.6 Crores in the last four quarters. The company has experienced significant growth, with a revenue increase of 90.5% over the past three years.
The bank distributes dividends to its investors, boasting a dividend yield of 0.67% per year, and has returned Rs. 1.2 dividend per share in the last 12 months. However, it has also diluted shareholder holdings by 16.8% over the past three years.
Formerly known as Travancore Federal Bank Limited, the company changed its name to The Federal Bank Limited in March 1947 and was incorporated in 1931.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
FEDERALBNK vs Banks (2021 - 2026)
Federal Bank reported a 14% year-on-year increase in net profit for Q4 at ₹1,030 crore, driven by growth in fees and lower operating expenses.
Analyst / Investor Meet • 06 Feb 2026 Schedule of Analyst/Investor Meet |
Analyst / Investor Meet • 06 Feb 2026 Schedule of Analyst/Investor Meet |
General • 05 Feb 2026 Approval granted by RBI to Asia II TopCo XIII Pte. Ltd for acquiring "aggregate holding of up to 9.99% of the paid up share capital or voting rights of the Bank |
Analyst / Investor Meet • 05 Feb 2026 Schedule of Analyst/Investor Meet |
Analyst / Investor Meet • 05 Feb 2026 Schedule of Analyst/Investor Meet |
Analyst / Investor Meet • 05 Feb 2026 Schedule of Analyst/Investor Meet |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Question from Mahrukh Adajania: "Do we expect that most of the consolidation on the lower yield segment is done? Can we return to the high teen loan growth in FY '26? Also, will most current accounts be sticky, and what is the bottom for margins in FY '26?"
Answer by KVS Manian: "We believe our mid-yield segment will continue to show strong growth, driven by products like cards and loans against property. While some growth was muted due to regulatory issues, we're confident in resuming growth in those areas. Regarding CASA, while we benefited from year-end inflows, overall CA growth is strong and acquiring customers has improved, aiming to maintain momentum. As for NIM, it's complex, influenced by regulation and market shifts, making guidance challenging, but minimizing decline is our goal."
Question from Rikin Shah: "Why are reported margins flat despite loan yield being down? Will the T+90 repricing apply to the entire book? What's the quantum of corporate recovery?"
Answer by Venkatraman V: "NIM remained flat due to yields on investments offsetting loan yield declines. The T+90 repricing applies to new disbursements only. As for corporate recovery, it was approximately INR 110-115 crores included under provisions. Structured recovery initiatives in Q4 contributed to this improvement, though ongoing recovery levels may not be repeated."
Question from Xiyuan Gau: "What's our strategy to address declining remittance market share? Do we plan to change portfolio allocations to improve yield?"
Answer by Shalini Warrier: "Our remittance market share remains stable, and we've been focused on profitability over discounting rates. For volumes, we're enhancing partnerships with exchange houses, targeting increased throughput. While the past year experienced decline, our profitability has increased, and we expect improvements as technology embeds with partners."
Question from Deekshant B: "At what point will we expand in unsecured credit? What's our MA focus given the shift to fixed interest loans?"
Answer by KVS Manian: "We've already started growing our credit card portfolio significantly. Personal loans will see expansion soon due to improved credit environment. We are cautious on MFI for now. Regarding fixed vs. floating rates, while we are shifting select products like car loans, balances are key across cycles, and we aim for optimal portfolio distribution."
Question from M.B. Mahesh: "Can you clarify on margins with respect to yield on advances and costs moving differently? How should we think about future NIM?"
Answer by KVS Manian: "The reported fall in NII is due to fewer days this quarter versus the previous one, not a drop in operational effectiveness. While costs have climbed due to branch expansion, we aim to maintain cost efficiency. In terms of future NIM, it will stabilize in a year, reflecting a comprehensive strategy adjusting to mixed funding sources."
These responses reflect our strategy to address key shifts and maintain profitable growth amid changing market dynamics.
| HDFC LIFE INSURANCE COMPANYLIMITED -SHAREHOLDERS SOLVENCY MARGIN ACCOUNT | 2.39% |
| ADITYA BIRLA SUN LIFE | 2.24% |
| SBI LIFE INSURANCE CO. LTD | 2.17% |
| MIRAE ASSET | 2.04% |
| HSBC MUTUAL FUND | 1.86% |
| CANARA ROBECO MUTUAL FUND | 1.61% |
| LIFE INSURANCE CORPORATION OF INDIA - P & GS Fund | 1.38% |
| DSP MUTUAL FUND | 1.1% |
| VANGUARD | 1.09% |
| ZERODHA BROKING | 1.02% |
| Association of Persons | 0% |
| BANK-FORIEGN COMMERCIAL BANK | 0% |
| FII-MAURITIUS BASED | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| -1.00% |
| +10.20% |
| 18.66 |
| 3.25 |
| - |
| - |
| AXISBANK | AXIS Bank | 4.13 LCr | 1.59 LCr | +2.80% | +31.30% | 12.21 | 2.54 | - | - |
| KOTAKBANK | Kotak Mahindra Bank | 4.09 LCr | 1.07 LCr | -4.20% | +7.60% | 19.39 | 3.84 | - | - |
| INDUSINDBK | IndusInd Bank | 71.24 kCr | 52.1 kCr | 0.00% | -13.80% | 26.32 | 1.37 | - | - |
Analysis of Federal Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking - Other Retail Banking | 57.7% | 7.7 kCr |
| Corporate/Wholesale Banking | 22.8% | 3.1 kCr |
| Treasury | 12.3% |
| 5.9% |
| 985 |
| 930 |
| 910 |
| 907 |
| 896 |
| 892 |
| Other operating expenses | 3.6% | 1,235 | 1,192 | 1,158 | 1,195 | 1,066 | 1,061 |
| Operating expenses | 4.6% | 2,220 | 2,122 | 2,069 | 2,102 | 1,962 | 1,953 |
| Operating profit | 6.3% | 1,882 | 1,770 | 1,707 | 1,596 | 1,664 | 1,669 |
| Provisions other than tax and contingencies | -5.8% | 374 | 397 | 437 | 163 | 387 | 196 |
| Profit before tax | 9.8% | 1,507 | 1,373 | 1,270 | 1,434 | 1,277 | 1,473 |
| Tax expense | 8.8% | 384 | 353 | 323 | 325 | 328 | 369 |
| Profit after tax | 10.3% | 1,124 | 1,019 | 947 | 1,108 | 949 | 1,104 |
| Net profit (loss) for the period | 10.3% | 1,124 | 1,019 | 947 | 1,108 | 949 | 1,104 |
| Profit (loss) of minority interest | 0% | 31 | 31 | 32 | 30 | 7.16 | 19 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | -0.6% | 0.1389 | 0.1437 | 0.1469 | 0.1504 | 0.1378 | 0.1382 |
| Gross non performing assets | -1.9% | 4,447 | 4,532 | 4,670 | 4,376 | 4,553 | 4,884 |
| Non performing assets | -8.3% | 1,068 | 1,165 | 1,158 | 1,040 | 1,131 | 1,322 |
| Return on assets | 0% | 029 | 027 | 025 | 031 | 0 | 0 |
| 23.5% |
| 3,801 |
| 3,079 |
| 2,330 |
| 2,089 |
| 1,945 |
| 1,931 |
| Total income | 19.4% | 30,166 | 25,268 | 19,134 | 15,750 | 15,703 | 15,142 |
| Total expenditure | 19.8% | 24,065 | 20,093 | 14,339 | 11,992 | 11,916 | 11,937 |
| Interest expended | 21.6% | 16,897 | 13,895 | 9,571 | 7,699 | 8,224 | 8,562 |
| Employees cost | 9.4% | 3,088 | 2,823 | 2,173 | 2,321 | 2,034 | 1,772 |
| Other operating expenses | 20.9% | 4,080 | 3,375 | 2,595 | 1,973 | 1,658 | 1,603 |
| Operating expenses | 15.7% | 7,168 | 6,198 | 4,768 | 4,293 | 3,692 | 3,376 |
| Operating profit | 17.9% | 6,101 | 5,174 | 4,794 | 3,758 | 3,787 | 3,205 |
| Provisions other than tax and contingencies | 275.4% | 733 | 196 | 750 | 1,222 | 1,650 | 1,172 |
| Profit before tax | 7.8% | 5,368 | 4,978 | 4,044 | 2,536 | 2,137 | 2,033 |
| Tax expense | 4.6% | 1,316 | 1,258 | 1,034 | 646 | 547 | 490 |
| Profit after tax | 8.9% | 4,052 | 3,721 | 3,011 | 1,890 | 1,590 | 1,543 |
| Net profit (loss) for the period | 8.9% | 4,052 | 3,721 | 3,011 | 1,890 | 1,590 | 1,543 |
| Reserve excluding revaluation reserves | - | 32,924 | - | - | - | - | - |
| CET 1 ratio | 0.5% | 0.1504 | 0.1461 | 0.1302 | 0.1443 | 0.1385 | 0.1329 |
| Gross non performing assets | -3.4% | 4,376 | 4,529 | 4,184 | 4,137 | 4,602 | 3,531 |
| Non performing assets | -17.1% | 1,040 | 1,255 | 1,205 | 1,393 | 1,569 | 1,607 |
| Return on assets | -0.1% | 0.0123 | 0.0132 | 0.0128 | 094 | 085 | 094 |
| Reserves and surplus |
| 5% |
| 34,564 |
| 32,929 |
| 30,966 |
| 28,607 |
| 25,649 |
| 21,083 |
| Deposits | 1.9% | 288,920 | 283,647 | 269,107 | 252,534 | 232,868 | 213,386 |
| Borrowings | -24.3% | 17,967 | 23,726 | 23,749 | 18,026 | 19,181 | 19,319 |
| Other liabilities and provisions | 72.2% | 14,138 | 8,210 | 11,231 | 8,657 | 9,258 | 6,130 |
| Total capital and liabilities | 2% | 356,080 | 349,005 | 335,543 | 308,312 | 287,426 | 260,342 |
| 341% |
| 733 |
| 167 |
| 757 |
| 1,223 |
| - |
| - |
| Total adj. for working capital | 69.1% | 6,001 | 3,550 | -393.22 | -8,530.14 | - | - |
| Net Cashflows From Operations | 28.7% | 11,322 | 8,795 | 4,023 | -5,654.55 | - | - |
| Income taxes paid (refund) | 0.6% | 1,249 | 1,242 | 1,154 | 843 | - | - |
| Net Cashflows From Operating Activities | 33.4% | 10,073 | 7,553 | 2,870 | -6,497.41 | - | - |
| Proceeds from sales of tangible assets | -72.5% | 3.75 | 11 | 3.02 | 7.24 | - | - |
| Purchase of tangible assets | 139.6% | 727 | 304 | 467 | 268 | - | - |
| Dividends received | 37.5% | 23 | 17 | 8.37 | 28 | - | - |
| Net Cashflows From Investing Activities | 57.7% | -3,743.78 | -8,851.86 | -9,818.24 | 813 | - | - |
| Proceeds from issuing shares | -96% | 165 | 4,105 | 95 | 925 | - | - |
| Proceeds from issuing debt etc | - | 0 | 0 | 995 | 700 | - | - |
| Proceeds from borrowings | - | 6,000 | 0 | 2,931 | 5,625 | - | - |
| Repayments of borrowings | -76.9% | 300 | 1,293 | 0 | 0 | - | - |
| Dividends paid | 25.2% | 294 | 235 | 379 | 140 | - | - |
| Net Cashflows From Financing Activities | 116.2% | 5,571 | 2,577 | 3,643 | 7,110 | - | - |
| Net change in cash and cash eq. | 834.4% | 11,896 | 1,274 | -3,321.67 | 1,419 | - | - |
Allotment of ESOP / ESPS • 01 Feb 2026 Allotment of ESOP/ESPS |
| 1.7 kCr |
| Retail Banking - Digital Banking | 6.2% | 831.4 Cr |
| Other Banking operations | 0.9% | 116 Cr |
| Total | 13.4 kCr |