Fedbank Financial

₹125.1 0.3 | 0.2%

WEBSITE BSE:544027 NSE : FEDFINA 10 May, 16:01

Market Cap ₹4616 Cr.

Stock P/E 19.0

P/B 2

Current Price ₹125.1

Book Value ₹ 61.2

Face Value 10

52W High ₹153.5

Dividend Yield 0%

52W Low ₹ 108.9

Edit Ratio

Fedbank Financial Research see more...

Overview Inc. Year: 1995Industry: Finance - NBFC

Fedbank Financial Services Ltd is a dynamic financial institution committed to providing comprehensive and innovative financial solutions. Specializing in banking and financial services, the company leverages cutting-edge technology to deliver a wide range of products to individuals and businesses. With a customer-centric approach, Fedbank Financial Services Ltd aims to create value through personalized services, robust risk management, and a commitment to financial inclusion. The company's diverse portfolio includes banking products, investment services, and insurance solutions, ensuring a one-stop financial destination for its clients. Focused on integrity and excellence, Fedbank Financial Services Ltd stands as a reliable partner in the ever-evolving landscape of financial services.

Fedbank Financial Share Price

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Peer Comparison

Fedbank Financial Quarterly Results

#(Fig in Cr.)	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	285	309	338	395	413	408
Other Income	8	10	9	3	16	20
Total Income	293	319	347	398	429	428
Total Expenditure	111	117	124	144	156	154
Operating Profit	182	202	222	254	273	274
Interest Expense	108	125	141	167	176	173
Depreciation	10	11	11	9	10	9
Profit Before Tax	64	66	55	77	88	91
Provision for Tax	18	15	16	20	22	23
Profit After Tax	46	51	39	58	65	68
Adjustments	0	0	0	0	0	0
Profit After Adjustments	46	51	39	58	65	68
Adjusted Earnings Per Share	1.4	1.6	1.2	1.8	1.8	1.8

Fedbank Financial Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	88	69	77	88	133	197	255	450	692	869	1179	1554
Other Income	1	1	4	1	2	1	4	17	6	14	49	48
Total Income	89	70	81	89	135	198	259	467	698	884	1228	1602
Total Expenditure	46	53	46	42	49	70	96	190	281	360	455	578
Operating Profit	43	17	35	47	85	128	163	276	417	524	772	1023
Interest Expense	21	16	21	25	48	77	112	201	313	348	472	657
Depreciation	4	4	5	3	2	2	2	19	27	37	42	39
Profit Before Tax	18	-3	9	19	35	49	49	56	77	139	243	311
Provision for Tax	4	-0	2	7	13	19	14	17	15	36	63	81
Profit After Tax	14	-3	6	12	23	31	35	39	62	103	180	230
Adjustments	0	0	0	0	0	0	0	0	0	1	0	0
Profit After Adjustments	14	-3	6	12	23	31	35	39	62	104	180	230
Adjusted Earnings Per Share	0.7	-0.2	0.3	0.6	1.2	1.6	1.5	1.4	2.1	3.2	5.6	6.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	36%	38%	43%	30%
Operating Profit CAGR	47%	41%	43%	33%
PAT CAGR	75%	66%	42%	29%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	NA%	NA%	NA%	NA%
ROE Average	14%	11%	10%	8%
ROCE Average	10%	9%	9%	9%

Fedbank Financial Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	192	189	196	208	230	260	462	691	835	1154	1356
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	28	132	204	657	974	2951	3856	4569	6620
Current Liability	300	191	247	301	566	558	687	442	772	830	1091
Other Liabilities & Provisions	-1	-1	-1	-2	-0	1	2	-5	-17	-28	-17
Total Liabilities	492	379	470	639	1000	1477	2125	4080	5446	6524	9049
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	0	0	0	0	0	0	0
Fixed Assets	15	12	6	4	3	4	6	107	133	154	146
Other Loans	9	105	200	307	531	899	1350	8	10	12	13
Other Non Current Assets	0	0	0	0	1	1	2	0	1	1	51
Current Assets	467	263	264	328	466	573	767	3964	5302	6358	8839
Total Assets	492	379	470	639	1000	1477	2125	4080	5446	6524	9049

Fedbank Financial Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	6	8	7	7	4	5	14	9	142	526	66
Cash Flow from Operating Activities	-92	130	-62	-132	-321	-418	-453	-1393	-371	-578	-1474
Cash Flow from Investing Activities	-5	-2	-9	14	-1	-9	-3	-72	-71	-417	-130
Cash Flow from Financing Activities	99	-132	71	115	322	437	501	1599	825	535	1632
Net Cash Inflow / Outflow	2	-4	-0	-3	1	9	45	133	384	-460	28
Closing Cash & Cash Equivalent	8	5	7	4	5	14	59	142	526	66	94

Fedbank Financial Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.74	-0.15	0.33	0.65	1.19	1.62	1.53	1.43	2.13	3.22	5.6
CEPS(Rs)	0.94	0.06	0.59	0.79	1.28	1.7	1.6	2.13	3.07	4.36	6.9
DPS(Rs)	0.37	0	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	10.12	9.97	10.3	10.94	12.13	13.67	20.09	25.19	28.61	35.65	41.65
Net Profit Margin	15.96	-4.25	8.22	13.92	16.99	15.67	13.78	8.7	8.92	11.9	15.28
Operating Margin	44.72	18.32	38.6	50.3	63.12	64.26	63.35	57.15	56.39	56.01	60.67
PBT Margin	20.58	-4.65	11.06	21.43	26.76	25.1	19.38	12.45	11.12	16.01	20.62
ROA(%)	3.33	-0.67	1.49	2.21	2.75	2.49	1.95	1.26	1.3	1.73	2.31
ROE(%)	7.46	-1.53	3.29	6.07	10.28	12.57	9.72	6.8	8.13	10.47	14.49
ROCE(%)	9.67	3.04	7.35	8.29	10.75	10.7	9.28	8.61	8.6	8.59	9.76
Price/Earnings(x)	0	0	0	0	0	0	0	0	0	0	0
Price/Book(x)	0	0	0	0	0	0	0	0	0	0	0
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	5.2	5.06	5.77	6.68	6.8	6.77	6.96	7.28	5.69	5.98	6.25
EV/Core EBITDA(x)	10.61	20.77	12.85	12.52	10.55	10.41	10.86	11.85	9.43	9.92	9.53
Interest Earned Growth(%)	135.38	-22.56	12.65	14.08	50.6	48.25	29.55	76.68	53.78	25.66	35.6
Net Profit Growth	291.44	-120.63	317.75	93.24	83.85	36.7	13.9	11.57	57.59	67.74	74.11
EPS Growth(%)	291.47	-120.63	317.74	93.23	83.84	36.7	-5.92	-6.13	48.62	51.25	73.9
Interest Coverage(x) %	1.85	0.8	1.4	1.74	1.74	1.64	1.44	1.28	1.25	1.4	1.51

Fedbank Financial Shareholding Pattern

#	Mar 2019	Mar 2021	Dec 2023	Mar 2024
Promoter	82.59	74	61.65	61.58
FII	0	0	2.54	1.05
DII	0	0	22.63	23.17
Public	17.41	26	13.17	14.2
Others	0	0	0	0
Total	100	100	100	100

#	Mar 2019	Mar 2021	Dec 2023	Mar 2024
Promoter	19	21.45	22.75	22.75
FII	0	0	0.94	0.39
DII	0	0	8.35	8.56
Public	4	7.54	4.86	5.24
Others	0	0	0	0
Total	23	28.99	36.9	36.94

Pros

Company has delivered good profit growth of 42% CAGR over last 5 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend.
Company has a low return on equity of 11% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.