WEBSITE BSE:544027 NSE: FEDFINA Inc. Year: 1995 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:59
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, investmen...Read More
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. ...Read Less
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Market Cap ₹5587 Cr.
Stock P/E 24.8
P/B 2
Current Price ₹151.4
Book Value ₹ 74.8
Face Value 10
52W High ₹178.4
Dividend Yield 0%
52W Low ₹ 83.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 395 | 413 | 408 | 477 | 518 | 530 | 523 | 520 | 535 | 555 |
| Other Income | 3 | 16 | 20 | 14 | 1 | 2 | 14 | 1 | 1 | 1 |
| Total Income | 398 | 429 | 428 | 491 | 519 | 532 | 537 | 520 | 536 | 556 |
| Total Expenditure | 144 | 156 | 154 | 184 | 207 | 273 | 210 | 190 | 202 | 215 |
| Operating Profit | 254 | 273 | 274 | 307 | 312 | 259 | 328 | 331 | 334 | 340 |
| Interest Expense | 167 | 176 | 173 | 202 | 214 | 221 | 216 | 218 | 214 | 208 |
| Depreciation | 9 | 10 | 9 | 11 | 12 | 13 | 13 | 12 | 13 | 14 |
| Profit Before Tax | 77 | 88 | 91 | 94 | 86 | 25 | 99 | 100 | 107 | 118 |
| Provision for Tax | 20 | 22 | 23 | 23 | 22 | 6 | 27 | 25 | 27 | 30 |
| Profit After Tax | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 |
| Adjusted Earnings Per Share | 1.8 | 1.8 | 1.8 | 1.9 | 1.7 | 0.5 | 1.9 | 2 | 2.1 | 2.4 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 77 | 88 | 133 | 197 | 255 | 450 | 692 | 869 | 1179 | 1577 | 2036 | 2133 |
| Other Income | 4 | 1 | 2 | 1 | 4 | 17 | 6 | 14 | 56 | 55 | 44 | 17 |
| Total Income | 81 | 89 | 135 | 198 | 259 | 467 | 698 | 884 | 1235 | 1633 | 2080 | 2149 |
| Total Expenditure | 46 | 42 | 49 | 70 | 96 | 190 | 281 | 360 | 463 | 588 | 873 | 817 |
| Operating Profit | 35 | 47 | 85 | 128 | 163 | 276 | 417 | 524 | 772 | 1045 | 1206 | 1333 |
| Interest Expense | 21 | 25 | 48 | 77 | 112 | 201 | 313 | 348 | 472 | 680 | 854 | 856 |
| Depreciation | 5 | 3 | 2 | 2 | 2 | 19 | 27 | 37 | 42 | 37 | 49 | 52 |
| Profit Before Tax | 9 | 19 | 35 | 49 | 49 | 56 | 77 | 139 | 243 | 328 | 304 | 424 |
| Provision for Tax | 2 | 7 | 13 | 19 | 14 | 17 | 15 | 36 | 63 | 83 | 79 | 109 |
| Profit After Tax | 6 | 12 | 23 | 31 | 35 | 39 | 62 | 103 | 180 | 245 | 225 | 315 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 6 | 12 | 23 | 31 | 35 | 39 | 62 | 104 | 180 | 245 | 225 | 315 |
| Adjusted Earnings Per Share | 0.3 | 0.6 | 1.2 | 1.6 | 1.5 | 1.4 | 2.1 | 3.2 | 5.6 | 6.6 | 6 | 8.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 29% | 33% | 35% | 39% |
| Operating Profit CAGR | 15% | 32% | 34% | 42% |
| PAT CAGR | -8% | 30% | 42% | 44% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 63% | NA% | NA% | NA% |
| ROE Average | 9% | 13% | 11% | 10% |
| ROCE Average | 10% | 10% | 10% | 9% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 196 | 208 | 230 | 260 | 462 | 691 | 835 | 1154 | 1356 | 2261 | 2547 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 28 | 132 | 204 | 657 | 974 | 2951 | 3856 | 4569 | 6620 | 5087 | 6378 |
| Current Liability | 247 | 301 | 566 | 558 | 687 | 442 | 772 | 830 | 1091 | 3679 | 4175 |
| Other Liabilities & Provisions | -1 | -2 | -0 | 1 | 2 | -5 | -17 | -28 | -17 | 108 | 138 |
| Total Liabilities | 470 | 639 | 1000 | 1477 | 2125 | 4080 | 5446 | 6524 | 9049 | 11136 | 13239 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9822 | 11646 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 6 | 4 | 3 | 4 | 6 | 107 | 133 | 154 | 146 | 146 | 189 |
| Other Loans | 200 | 307 | 531 | 899 | 1350 | 8 | 10 | 12 | 13 | 10 | 0 |
| Other Non Current Assets | 0 | 0 | 1 | 1 | 2 | 0 | 1 | 1 | 51 | 16 | 81 |
| Current Assets | 264 | 328 | 466 | 573 | 767 | 3964 | 5302 | 6358 | 8839 | 1142 | 1323 |
| Total Assets | 470 | 639 | 1000 | 1477 | 2125 | 4080 | 5446 | 6524 | 9049 | 11136 | 13239 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 7 | 7 | 4 | 5 | 14 | 9 | 142 | 526 | 66 | 94 | 186 |
| Cash Flow from Operating Activities | -62 | -132 | -321 | -418 | -453 | -1393 | -371 | -578 | -1474 | -776 | -978 |
| Cash Flow from Investing Activities | -9 | 14 | -1 | -9 | -3 | -72 | -71 | -417 | -130 | -100 | 329 |
| Cash Flow from Financing Activities | 71 | 115 | 322 | 437 | 501 | 1599 | 825 | 535 | 1632 | 967 | 1187 |
| Net Cash Inflow / Outflow | -0 | -3 | 1 | 9 | 45 | 133 | 384 | -460 | 28 | 92 | 539 |
| Closing Cash & Cash Equivalent | 7 | 4 | 5 | 14 | 59 | 142 | 526 | 66 | 94 | 186 | 725 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.33 | 0.65 | 1.19 | 1.62 | 1.53 | 1.43 | 2.13 | 3.22 | 5.6 | 6.62 | 6.04 |
| CEPS(Rs) | 0.59 | 0.79 | 1.28 | 1.7 | 1.6 | 2.13 | 3.07 | 4.36 | 6.9 | 7.64 | 7.35 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 10.3 | 10.94 | 12.13 | 13.67 | 20.09 | 25.19 | 28.61 | 35.65 | 41.65 | 60.87 | 68.14 |
| Net Profit Margin | 8.22 | 13.92 | 16.99 | 15.67 | 13.78 | 8.7 | 8.92 | 11.9 | 15.28 | 15.51 | 11.06 |
| Operating Margin | 38.6 | 50.3 | 63.12 | 64.26 | 63.35 | 57.15 | 56.39 | 56.01 | 60.67 | 63.89 | 56.86 |
| PBT Margin | 11.06 | 21.43 | 26.76 | 25.1 | 19.38 | 12.45 | 11.12 | 16.01 | 20.62 | 20.8 | 14.92 |
| ROA(%) | 1.49 | 2.21 | 2.75 | 2.49 | 1.95 | 1.26 | 1.3 | 1.73 | 2.31 | 2.42 | 1.85 |
| ROE(%) | 3.29 | 6.07 | 10.28 | 12.57 | 9.72 | 6.8 | 8.13 | 10.47 | 14.49 | 13.64 | 9.41 |
| ROCE(%) | 7.35 | 8.29 | 10.75 | 10.7 | 9.28 | 8.61 | 8.6 | 8.59 | 9.76 | 10.63 | 9.94 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17.12 | 13.66 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.86 | 1.21 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 5.77 | 6.68 | 6.8 | 6.77 | 6.96 | 7.28 | 5.69 | 5.98 | 6.25 | 7.75 | 6.14 |
| EV/Core EBITDA(x) | 12.85 | 12.52 | 10.55 | 10.41 | 10.86 | 11.85 | 9.43 | 9.92 | 9.53 | 11.69 | 10.37 |
| Interest Earned Growth(%) | 12.65 | 14.08 | 50.6 | 48.25 | 29.55 | 76.68 | 53.78 | 25.66 | 35.6 | 33.8 | 29.08 |
| Net Profit Growth | 317.75 | 93.24 | 83.85 | 36.7 | 13.9 | 11.57 | 57.59 | 67.74 | 74.11 | 35.85 | -7.98 |
| EPS Growth(%) | 317.74 | 93.23 | 83.84 | 36.7 | -5.92 | -6.13 | 48.62 | 51.25 | 73.9 | 18.38 | -8.8 |
| Interest Coverage(x) % | 1.4 | 1.74 | 1.74 | 1.64 | 1.44 | 1.28 | 1.25 | 1.4 | 1.51 | 1.48 | 1.36 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 61.65 | 61.58 | 61.35 | 61.16 | 61.04 | 61.03 | 60.97 | 60.88 | 60.81 | 60.79 |
| FII | 2.54 | 1.05 | 0.85 | 0.63 | 0.52 | 0.49 | 0.78 | 1.17 | 0.91 | 0.66 |
| DII | 22.63 | 23.17 | 23.44 | 22.56 | 21.36 | 20.81 | 20.11 | 19.36 | 18.18 | 18.82 |
| Public | 13.17 | 14.2 | 14.37 | 15.64 | 17.08 | 17.67 | 18.14 | 18.59 | 20.11 | 19.73 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 | 22.75 |
| FII | 0.94 | 0.39 | 0.31 | 0.24 | 0.19 | 0.18 | 0.29 | 0.44 | 0.34 | 0.25 |
| DII | 8.35 | 8.56 | 8.69 | 8.39 | 7.96 | 7.76 | 7.5 | 7.24 | 6.8 | 7.04 |
| Public | 4.86 | 5.24 | 5.33 | 5.82 | 6.36 | 6.59 | 6.77 | 6.95 | 7.52 | 7.38 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 36.9 | 36.94 | 37.08 | 37.19 | 37.27 | 37.27 | 37.31 | 37.37 | 37.41 | 37.42 |
* The pros and cons are machine generated.
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