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Consolidated Standalone

Federal Bank

₹159.9 2.8 | 1.8%

Market Cap ₹38959 Cr.

Stock P/E 9.6

P/B 1.3

Current Price ₹159.9

Book Value ₹ 123.5

Face Value 2

52W High ₹170.3

Dividend Yield 0.75%

52W Low ₹ 120.9

Edit Ratio

Federal Bank Research see more...

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Federal Bank Limited Should Seek Support from Healthy Asset Quality and Credit Growth

Overview Inc. Year: 1931Industry: Bank - Private

The Federal Bank Ltd is a banking organization. The Bank is engaged in supplying banking and monetary services, which includes retail banking, corporate banking and treasury operations. Its segments comprises Treasury, Corporate/Wholesale Banking and Retail Banking. Its Treasury section operations includes trading and investments in government securities and corporate debt devices, equity and mutual funds, derivatives, and foreign exchange operations on proprietary account and for customers. Its Corporate/ Wholesale Banking section consists of lending of funds, acceptance of deposits and different banking offerings to corporates, trusts, partnership firms and statutory bodies. Its Retail banking segment constitutes lending of finances, acceptance of deposits and other banking offerings to any felony individual, inclusive of small enterprise customers. The Bank has a community of 1272 branches in India. It also gives para banking activities, along with debit card and third-party product distribution.

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Federal Bank Share Price

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Peer Comparison

Federal Bank Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 3604 3686 3843 4259 4698 5012 5350 5791 6085 6339
Other Income 521 484 475 628 565 768 741 757 908 810
Total Income 4125 4171 4318 4887 5263 5781 6091 6548 6994 7149
Interest Expense 1970 2030 2104 2349 2585 2938 3255 3544 3760 3936
Operating Expenditure 1191 1279 1176 1256 1330 1449 1469 1604 1700 1993
Provisions and contingencies 240 84 175 285 214 125 165 58 114 -77
Operating Profit 725 778 863 997 1134 1269 1202 1343 1420 1296
Profit Before Tax 725 778 863 997 1134 1269 1202 1343 1420 1296
Provision for Tax 185 196 220 256 282 329 311 343 357 324
Profit After Tax 540 582 643 741 852 940 892 1000 1063 972
Adjustments -0 6 -9 -8 -9 14 -12 -6 -28 -2
Profit After Adjustments 540 588 634 733 843 954 880 994 1035 971
Adjusted Earnings Per Share 2.6 2.8 3 3.5 4 4.5 4.2 4.2 4.3 4

Federal Bank 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
Interest Earned 6246 7006 7488 7826 8783 9915 11635 13590 14314 14382 17812 23565
Other Income 665 685 879 808 1084 1160 1335 1882 1972 2121 2436 3216
Total Income 6911 7691 8366 8635 9867 11075 12971 15472 16286 16502 20248 26782
Interest Expense 4209 4728 5056 5259 5653 6226 7316 8678 8435 7959 9975 14495
Operating Expenditure 1229 1494 1675 1932 2253 2505 2837 3547 3899 4592 5211 6766
Provisions and contingencies 264 268 105 705 620 951 858 1187 1744 1305 799 260
Operating Profit 1210 1202 1530 739 1342 1393 1960 2060 2209 2646 4263 5261
Profit Before Tax 1210 1202 1530 739 1342 1393 1960 2060 2209 2646 4263 5261
Provision for Tax 360 373 517 251 489 484 678 507 561 681 1087 1335
Profit After Tax 850 829 1012 488 853 910 1283 1553 1647 1965 3176 3927
Adjustments 2 21 46 -1 14 26 21 20 17 3 -11 -48
Profit After Adjustments 853 850 1058 486 867 935 1304 1573 1664 1969 3165 3880
Adjusted Earnings Per Share 5 5 6.2 2.8 5 4.7 6.6 7.9 8.3 9.4 15 16.7

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 24% 9% 12% 11%
Operating Profit CAGR 61% 27% 25% 13%
PAT CAGR 62% 27% 28% 14%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 24% 26% 11% 13%
ROE Average 15% 12% 12% 11%
ROCE Average 13% 11% 11% 12%

Federal Bank 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 6264 6861 7700 8064 8951 12274 13498 14822 16504 19256 22122
Minority's Interest 0 0 0 0 0 0 80 181 217 305 352
Deposits 57611 59729 70823 79171 97662 111970 134879 152252 172186 181678 212989
Borrowings 5239 5768 2393 5236 6345 12329 8706 12528 12271 19587 25862
Other Liabilities & Provisions 1879 2288 1992 2234 2527 2640 3389 3570 3789 5415 6679
Total Liabilities 70993 74645 82908 94706 115486 139214 160552 183353 204967 226241 268004
Cash and balance with RBI 2749 3108 3382 3777 4578 5137 6423 6183 7655 16066 12604
Bank Balance 978 1426 1402 1646 2876 4058 3631 6575 12161 5070 5200
Investments 20854 23839 20349 24920 27912 30595 31676 35715 36732 39065 48702
Advances 44327 43704 51529 58420 74086 93011 111536 124849 135514 149951 181957
Fixed Assets 412 414 446 508 477 452 462 477 504 643 890
Other Assets 1670 2132 5773 5419 5540 5952 6807 9526 12387 15416 18569
Total Assets 70993 74645 82908 94706 115486 139214 160552 183353 204967 226241 268004

Federal Bank 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 3538 3727 4534 4784 5423 7455 9195 10053 12757 19816 21136
Cash Flow from Operating Activities 2880 1197 5158 -1557 3431 -5051 7873 3731 11179 -7774 489
Cash Flow from Investing Activities -3487 -737 -1364 1990 -2384 -1579 -3380 -4693 -3915 908 -9844
Cash Flow from Financing Activities 795 349 -3544 205 985 8371 -3637 3661 -208 8193 6038
Net Cash Inflow / Outflow 188 808 250 639 2032 1740 856 2699 7057 1327 -3316
Closing Cash & Cash Equivalent 3727 4534 4784 5423 7455 9195 10053 12757 19816 21136 17804

Federal Bank 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) 4.98 4.97 6.17 2.83 5.03 4.74 6.57 7.9 8.34 9.36 14.95
CEPS(Rs) 5.45 5.42 6.37 3.47 5.67 5.24 7.08 8.42 8.83 10.01 15.87
DPS(Rs) 1.8 2 2.2 0.7 0.9 1 1.4 0 0.7 1.8 1
Book NAV/Share(Rs) 36.59 40.08 44.91 46.88 51.89 62.21 67.97 74.36 82.65 91.55 104.5
Yield on Advances 14.09 16.03 14.53 13.4 11.86 10.66 10.43 10.89 10.56 9.59 9.79
Yield on Investments 8.01 8.11 10.3 7.58 7.54 7.05 7.16 7.82 8.03 6.92 5.9
Cost of Liabilities 6.7 7.22 6.91 6.23 5.43 5.01 5.1 5.27 4.57 3.95 4.18
NIM (Net Interest Margin) 2.96 3.16 3.17 2.89 2.86 2.78 2.82 2.83 3.06 3.06 3.15
Interest Spread 7.39 8.81 7.63 7.17 6.42 5.65 5.34 5.62 5.99 5.64 5.61
ROA(%) 1.29 1.14 1.28 0.55 0.81 0.71 0.86 0.9 0.85 0.91 1.29
ROE(%) 14.35 12.64 13.91 6.19 10.04 8.58 9.96 10.97 10.52 11 15.36
ROCE(%) 14.81 14.26 17.24 8.01 11.13 9.51 10.83 10.65 10.12 9.68 12.96
PER(x) 9.64 9.61 10.69 16.29 18.17 18.84 14.68 5.2 9.09 10.4 8.84
Price/Book(x) 1.31 1.19 1.47 0.98 1.76 1.44 1.42 0.55 0.92 1.06 1.27
Dividend Yield(%) 1.87 2.09 1.67 1.52 0.99 1.12 1.45 0 0.92 1.85 0.76
EV/Net Sales(x) 2.15 1.99 1.83 1.68 2.52 3.02 2.39 1.52 1.91 2.79 3.02
EV/Core EBITDA(x) 9.13 9.48 8.38 9.12 11.26 12.78 9.88 6.38 6.93 10.14 10.64
Interest Earned Growth(%) 11.91 12.16 6.88 4.52 12.23 12.88 17.35 16.8 5.32 0.47 23.85
Net Profit Growth 10.2 -2.5 22.1 -51.79 74.9 6.6 40.99 21.07 6.08 19.32 61.58
Advances Growth 16.82 -1.41 17.91 13.37 26.82 25.54 19.92 11.94 8.54 10.65 21.34
EPS Growth(%) 13.12 -0.34 24.29 -54.17 77.68 -5.66 38.49 20.19 5.61 12.3 59.71
Loans/Deposits(x) 9.09 9.66 3.38 6.61 6.5 11.01 6.45 8.23 7.13 10.78 12.14
Cash/Deposits(x) 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.09 0.06
Current Ratio(x) 0.36 0.4 0.29 0.31 0.29 0.27 0.23 0.23 0.21 0.22 0.23
Quick Ratio(x) 9.09 9.66 3.38 6.61 6.5 11.01 6.45 8.23 7.13 10.78 12.14
CASA % 27.17 31.25 30.76 32.91 32.82 33.64 32.37 30.7 34.06 37.13 32.74

Federal Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 0 0 0 0 0 0 0 0 0 0
FII 24.89 25.66 25.89 26.07 27.38 26.61 25.96 26.73 29.09 28.28
DII 41.1 42.67 41.61 43.69 41.83 43.26 41.79 45.49 44.07 44.71
Public 32.66 30.32 31.3 29.04 29.59 28.93 31.08 26.74 25.83 26
Others 1.35 1.35 1.21 1.2 1.2 1.2 1.16 1.05 1.01 1.01
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 28% CAGR over last 5 years

Cons

  • Promoter holding is low: 0%.
  • Company has a low return on equity of 12% 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.

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