Banks
Valuation | |
|---|---|
| Market Cap | 73.16 kCr |
| Price/Earnings (Trailing) | 35.91 |
| Price/Sales (Trailing) | 1.59 |
| EV/EBITDA | 4.68 |
| Price/Free Cashflow | 3.64 |
| MarketCap/EBT | 53.04 |
| Enterprise Value | 73.16 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 1.8% |
| Price Change 1M | 0.80% |
| Price Change 6M | 23.2% |
| Price Change 1Y | 33.6% |
| 3Y Cumulative Return | 12.4% |
| 5Y Cumulative Return | 12% |
| 7Y Cumulative Return | 9.8% |
| 10Y Cumulative Return | 4.7% |
| Revenue (TTM) |
| 44.98 kCr |
| Rev. Growth (Yr) | 12.8% |
| Earnings (TTM) | 1.12 kCr |
| Earnings Growth (Yr) | 40.7% |
Profitability | |
|---|---|
| Operating Margin | 36% |
| EBT Margin | 3% |
| Return on Equity | 0.26% |
| Return on Assets | 0.00% |
| Free Cashflow Yield | 27.48% |
| Cash Flow from Investing (TTM) | -3.48 kCr |
| Cash Flow from Operations (TTM) | 14.47 kCr |
| Cash Flow from Financing (TTM) | -8.67 kCr |
| Free Cash Flow (TTM) | 14.47 kCr |
| Free Cash Flow/Share (TTM) | 19.72 |
Balance Sheet | |
|---|---|
| Total Assets | 3.82 LCr |
| Shareholder Equity | 3.82 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.91 |
| Interest/Cashflow Ops | 1.81 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 0.25 |
| Dividend Yield | 0.30% |
| Shares Dilution (1Y) | 17.4% |
| Shares Dilution (3Y) | 37.8% |
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With 112.3% growth over past three years, the company is going strong.
Size: It is among the top 200 market size companies of india.
Dilution: Company has a tendency to dilute it's stock investors.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With 112.3% growth over past three years, the company is going strong.
Size: It is among the top 200 market size companies of india.
Dilution: Company has a tendency to dilute it's stock investors.
Investor Care | |
|---|---|
| Dividend Yield | 0.30% |
| Dividend/Share (TTM) | 0.25 |
| Shares Dilution (1Y) | 17.4% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 54.83 |
| RSI (5d) | 60.91 |
| RSI (21d) | 51.75 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| 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
IDFC First Bank reported a 58% year-on-year drop in Q4FY25 net profit to ₹304 crore, missing market expectations.
The bank's net interest income growth was the lowest in 22 quarters, indicating underlying operational difficulties.
IDFC First Bank shares declined by 4.1% amid news of a board-approved capital raise of up to ₹7,500 crore.
Summary of IDFC FIRST 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.
The management of IDFC First Bank provided an optimistic outlook for the future, underlining a remarkable transformation since its merger. Notably, management highlighted several key points:
Deposit Growth: As of December 31, 2025, total deposits reached approximately INR 2.9 lakh crores, reflecting a year-on-year growth of 22.9%. Customer deposits grew by 24.3%, largely supported by a significant rise in CASA deposits, which reached INR 1.5 lakh crores, a 33% year-on-year increase.
Cost of Funds: The management indicated a proactive strategy in managing costs. The cost of funds was reported at 6.11%, down from 7.8% at the time of merger, achieving a reduction of 169 basis points. They anticipate this to further decrease below 6% by the financial year's end due to recent cuts in savings account rates.
Credit Quality: Gross NPAs improved to 1.69%, down from 1.86% in the previous quarter, with the net NPA ratio at 0.53%. Management is optimistic about further improvements, with a credit cost guidance of 2.1% projected for FY26, likely trending downwards.
Operating Efficiency: The cost-to-income ratio is intended to decrease over time, with retail lending expected to move to the low 50s and wholesale to around 30%. The management believes this will gradually boost return on assets (ROA) toward a target of 1.6%.
Future Projections: Management aims for total assets to grow to INR 6 lakh crores within the next four to five years, which should facilitate improved profitability and operating leverage.
Credit Card Metrics: The credit card portfolio reached 4.3 million cards, with outstanding balances at INR 9,100 crores"”indicating a robust spending environment.
Overall, management expressed confidence that the institution is on a solid path, with expectations of improved financial performance in upcoming quarters.
Understand IDFC FIRST BANK ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| CURRANT SEA INVESTMENTS B.V. | 9.45% |
| PRESIDENT OF INDIA | 7.75% |
| PLATINUM INVICTUS B 2025 RSC LIMITED | 5.09% |
| ODYSSEY 44 A S | 3.14% |
| LIFE INSURANCE CORPORATION OF INDIA - ULIF00520091 | 2.35% |
| ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED | 2.08% |
| TATA ARBITRAGE FUND |
Detailed comparison of IDFC FIRST 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 | 14.48 LCr | 4.99 LCr | -0.90% | +7.90% | 20.79 | 2.9 | - | - |
| ICICIBANK | ICICI Bank | 10.05 LCr | 3.07 LCr |
Comprehensive comparison against sector averages
IDFCFIRSTB metrics compared to Banks
| Category | IDFCFIRSTB | Banks |
|---|---|---|
| PE | 35.91 | 18.87 |
| PS | 1.59 | 2.65 |
| Growth | 17.2 % | 5 % |
IDFC FIRST BANK is a Private Sector Bank based in India, trading under the stock ticker IDFCFIRSTB. With a market capitalization of Rs. 48,692 Crores, it provides a wide range of banking and financial services tailored for various clientele, including corporates, individuals, multinational companies, SMEs, financial institutions, and government entities.
The bank operates through four key segments: Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business. It offers a variety of account types, such as savings, corporate salary, current, and business accounts, along with fixed and recurring deposit options. Additionally, IDFC FIRST BANK provides various cards (debit, credit, and prepaid) and payment services.
A significant aspect of its offerings includes a diverse array of loans, including personal, home, car, education, and micro enterprise loans, among others. The bank also specializes in supply chain financing products like trade finance and vendor financing, as well as treasury and capital market services.
Furthermore, IDFC FIRST BANK engages in wealth management services, investment services, insurance product distribution, and cash management solutions. The bank also prioritizes both traditional and digital banking services, offering mobile and internet banking solutions.
Initially founded as IDFC Bank Limited in 1997, it rebranded to IDFC First Bank Limited in January 2019 and is headquartered in Mumbai, India. Over the last three years, the bank has achieved a remarkable revenue growth of 113.6%, although it has also diluted its shareholders by 17.8% during this period, with a trailing 12-month revenue of Rs. 43,478.3 Crores.
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.
IDFCFIRSTB vs Banks (2021 - 2026)
IDFC First Bank's share price increased by 2% today following Warburg Pincus's move to acquire a 9.99% stake in the bank.
Earnings Call Transcript • 05 Feb 2026 Please find enclosed Earnings Call Transcript for Q3 FY26 |
General • 01 Feb 2026 Link of Audio Recording of Earnings Call for Q3-FY26 |
Press Release / Media Release • 31 Jan 2026 Press release - Financial results for quarter ended December 31, 2025 |
Change in Directorate • 31 Jan 2026 Re-appointment of Mr. S. Ganesh Kumar Iyer as an Independent Director |
Investor Presentation • 31 Jan 2026 Investor Presentation - Financial results for quarter ended 31, 2025 |
General • 30 Jan 2026 The Nomination and Remuneration Committee has approved grant of ESOP to eligible employees of the Bank under IDFC FIRST Bank - ESOS. Enclosed herewith is a detailed disclosure in this regard. |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Question: "How should we look at the margin movement this quarter? You indicated that the cost of funds has dropped by 12 basis points. What other factors are contributing to the margin improvement?" Answer: "This quarter's margin increase of 17 basis points is primarily attributed to a 12 bps drop in cost of funds. Additionally, a reduction in CRR requirements contributed 2-3 bps. The full impact of capital raised last quarter also factored in slightly. We ultimately anticipate the improvement in margins to continue as we navigate through various changes in our funding structure."
Question: "Now that you have started to cut SA rates, can we expect IDFC to be more open to SA rate cuts in order to protect margins?" Answer: "Yes, we believe we can now reduce SA rates without significant outflow, supported by our strong service levels and brand loyalty. It's essential for us to monitor our funding needs and branch network; the more we expand our branches, the greater flexibility we'll have in adjusting deposit rates."
Question: "Could you provide guidance on how we should expect credit cost to trend from here onwards?" Answer: "We reported a credit cost of 2.05%, which aligns with previous guidance of 2.1%. We expect credit costs to decline in the next quarter as the MFI situation normalizes. Our long-term guidance suggests a return to lower levels, ideally aiming for below 2% as we stabilize further."
Question: "There has been an increase in credit card SMAs quarter-on-quarter; what can you share about that?" Answer: "While there was a slight uptick in credit card SMA, it doesn't raise immediate concerns. Our overall credit health remains robust, and we see this increase as part of normal portfolio aging rather than a signal of systemic issues. We continue to monitor the underlying trends closely."
Question: "An increase in GNPAs for MSMEs and mortgages has been noted; can you comment on this?" Answer: "The increases noted are primarily due to natural aging of the portfolio and do not indicate a downturn in asset quality. Our numbers remain in a safe range, and we continue to implement effective management strategies in these segments."
| 1.7% |
| TATA AIA LIFE INSURANCE CO LTD-WHOLE LIFE MID CAP | 1.02% |
Distribution across major stakeholders
Distribution across major institutional holders
| -1.60% |
| +10.50% |
| 18.66 |
| 3.27 |
| - |
| - |
| KOTAKBANK | Kotak Mahindra Bank | 4.2 LCr | 1.07 LCr | -1.50% | +10.20% | 19.39 | 3.94 | - | - |
| AXISBANK | AXIS Bank | 4.17 LCr | 1.59 LCr | +3.60% | +31.40% | 12.21 | 2.54 | - | - |
| INDUSINDBK | IndusInd Bank | 70.4 kCr | 52.1 kCr | +0.60% | -15.20% | 26.32 | 1.35 | - | - |
| - |
| 2,043 |
| - |
| 1,761 |
| 1,736 |
| 1,614 |
| 1,617 |
| Other operating expenses | - | 3,565 | - | 3,169 | 3,272 | 3,308 | 2,922 |
| Operating expenses | - | 5,608 | - | 4,930 | 5,008 | 4,922 | 4,539 |
| Operating profit | - | 2,009 | - | 2,230 | 1,795 | 1,760 | 1,977 |
| Provisions other than tax and contingencies | - | 1,398 | - | 1,659 | 1,450 | 1,338 | 1,732 |
| Profit before tax | - | 611 | - | 571 | 344 | 422 | 245 |
| Tax expense | - | 132 | - | 118 | 49 | 82 | 33 |
| Profit after tax | - | 479 | - | 453 | 296 | 340 | 212 |
| Net profit (loss) for the period | - | 479 | - | 453 | 296 | 340 | 212 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| 17% |
| 7,022 |
| 6,002 |
| 4,467 |
| 3,222 |
| 2,254 |
| 1,722 |
| Total income | 19.8% | 43,523 | 36,324 | 27,195 | 20,395 | 18,222 | 17,589 |
| Total expenditure | 20% | 36,108 | 30,088 | 22,263 | 17,111 | 15,681 | 15,653 |
| Interest expended | 24.1% | 17,210 | 13,872 | 10,092 | 7,467 | 8,588 | 10,232 |
| Employees cost | 16.7% | 5,710 | 4,893 | 3,742 | 2,697 | 1,977 | 1,528 |
| Other operating expenses | 16.5% | 13,189 | 11,323 | 8,428 | 6,948 | 5,116 | 3,893 |
| Operating expenses | 16.5% | 18,899 | 16,216 | 12,170 | 9,644 | 7,093 | 5,421 |
| Operating profit | 18.9% | 7,415 | 6,237 | 4,932 | 3,284 | 2,541 | 1,937 |
| Provisions other than tax and contingencies | 131.6% | 5,515 | 2,382 | 1,665 | 3,109 | 2,065 | 4,315 |
| Exceptional items | - | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -50.7% | 1,900 | 3,855 | 3,267 | 175 | 476 | -2,378.52 |
| Tax expense | -58.4% | 375 | 899 | 830 | 30 | 24 | 486 |
| Profit after tax | -48.4% | 1,525 | 2,957 | 2,437 | 145 | 452 | -2,864.21 |
| Net profit (loss) for the period | -48.4% | 1,525 | 2,957 | 2,437 | 145 | 452 | -2,864.21 |
| Reserve excluding revaluation reserves | - | 30,607 | - | - | - | - | - |
| CET 1 ratio | -0.2% | 0.1317 | 0.1336 | 0.1682 | 0.1674 | 0.1377 | 0.1338 |
| Gross non performing assets | 19.3% | 4,434 | 3,718 | 3,884 | 4,469 | 4,303 | 2,280 |
| Non performing assets | 6% | 1,230 | 1,160 | 1,304 | 1,808 | 1,883 | 809 |
| Return on assets | -0.6% | 048 | 0.011 | 0.0113 | 008 | 028 | 0.0179 |
| Reserves and surplus | 23.2% | 37,901 | 30,756 | 29,408 | 25,091 | 20,953 | 19,103 |
| Deposits | 9.8% | 276,771 | 252,065 | 223,607 | 200,576 | 171,236 | 144,637 |
| Borrowings | 4.6% | 40,781 | 38,975 | 46,344 | 50,936 | 53,166 | 57,212 |
| Other liabilities and provisions | 23.6% | 18,175 | 14,701 | 13,600 | 12,442 | 12,642 | 12,371 |
| Total capital and liabilities | 11.2% | 382,218 | 343,819 | 320,442 | 296,115 | 264,718 | 239,942 |
| -8% |
| 51,489 |
| 55,939 |
| 39,003 |
| 16,946 |
| - |
| - |
| Total adj. for working capital | 23.3% | 6,207 | 5,035 | -1,727.65 | -1,380.85 | - | - |
| Net Cashflows From Operations | 20.8% | 14,618 | 12,101 | 3,919 | 2,440 | - | - |
| Income taxes paid (refund) | -71.1% | 224 | 773 | 320 | -163.98 | - | - |
| Net Cashflows From Operating Activities | 27.1% | 14,395 | 11,328 | 3,600 | 2,604 | - | - |
| Proceeds from sales of tangible assets | -84.7% | 33 | 210 | 7.85 | 2.67 | - | - |
| Purchase of tangible assets | -34.3% | 886 | 1,349 | 1,161 | 476 | - | - |
| Dividends received | -36.2% | 45 | 70 | 0 | 50 | - | - |
| Net Cashflows From Investing Activities | 65.3% | -3,399.22 | -9,791.79 | -11,968.64 | -2,884.46 | - | - |
| Proceeds from issuing shares | -1.3% | 3,279 | 3,323 | 2,260 | 3,034 | - | - |
| Proceeds from issuing debt etc | -100.1% | 0 | 1,500 | 1,500 | 1,500 | - | - |
| Proceeds from borrowings | - | 0 | 0 | 2,749 | 5,677 | - | - |
| Repayments of borrowings | 53.8% | 11,961 | 7,777 | 0 | 0 | - | - |
| Net Cashflows From Financing Activities | -193.9% | -8,682.05 | -2,953.92 | 6,509 | 10,211 | - | - |
| Net change in cash and cash eq. | 263.3% | 2,318 | -1,417.75 | -1,859.95 | 9,930 | - | - |
General • 28 Jan 2026 Kindly refer the enclosed Intimation regarding Schedule of Institutional Investors Meeting. |
Analysis of IDFC FIRST 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 | 57.1% | 13.9 kCr |
| Treasury | 30.0% | 7.3 kCr |
| Wholesale Banking | 11.9% | 2.9 kCr |
| Other Banking Business | 1.1% | 264.9 Cr |
| Total | 24.4 kCr |