WEBSITE BSE:539437 NSE: IDFCFIRSTB Inc. Year: 2014 Industry: Bank - Private
Last updated: 15:59
IDFC First Bank Ltd is a banking enterprise. The Bank's segments consist of treasury, company/wholesale banking, retail banking and different banking enterprise. The Treasury section includes its investment portfolio, and money market borrowing and lending, amongst others. The Corporate/Wholesale Banking section offers loans, non-fund centers and transaction services to corporate relationship not covered below retail banking, corporate advisory, assignment appraisal placement and syndication. The Retail Banking phase constitutes lending to indi...Read More
IDFC First Bank Ltd is a banking enterprise. The Bank's segments consist of treasury, company/wholesale banking, retail banking and different banking enterprise. The Treasury section includes its investment portfolio, and money market borrowing and lending, amongst others. The Corporate/Wholesale Banking section offers loans, non-fund centers and transaction services to corporate relationship not covered below retail banking, corporate advisory, assignment appraisal placement and syndication. The Retail Banking phase constitutes lending to individuals/business banking clients through the branch community and other delivery channels subject to the orientation, nature of product, granularity of the publicity and the quantum thereof. It gives financial savings account, constant deposit, ordinary deposit, debit card, domestic loans, payments and online offerings, among others. ...Read Less
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Market Cap ₹72023 Cr.
Stock P/E 48.3
P/B 1.5
Current Price ₹83.8
Book Value ₹ 54.5
Face Value 10
52W High ₹87
Dividend Yield 0.3%
52W Low ₹ 52.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 7356 | 7880 | 8220 | 8789 | 8957 | 9343 | 9413 | 9642 | 9937 | 10417 |
| Other Income | 1410 | 1517 | 1642 | 1574 | 1727 | 1780 | 1895 | 2227 | 1891 | 2125 |
| Total Income | 8766 | 9396 | 9863 | 10363 | 10684 | 11123 | 11308 | 11869 | 11828 | 12542 |
| Interest Expense | 3406 | 3592 | 3750 | 4093 | 4169 | 4440 | 4505 | 4709 | 4824 | 4924 |
| Operating Expenditure | 3849 | 4219 | 4442 | 4422 | 4539 | 4922 | 5008 | 4930 | 5129 | 5608 |
| Provisions and contingencies | 528 | 655 | 722 | 994 | 1732 | 1338 | 1450 | 1659 | 1452 | 1398 |
| Operating Profit | 983 | 930 | 948 | 853 | 245 | 422 | 344 | 571 | 424 | 611 |
| Profit Before Tax | 983 | 930 | 948 | 853 | 245 | 422 | 344 | 571 | 424 | 611 |
| Provision for Tax | 236 | 198 | 216 | 210 | 33 | 82 | 49 | 118 | 76 | 133 |
| Profit After Tax | 747 | 732 | 732 | 643 | 212 | 340 | 296 | 453 | 348 | 479 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 747 | 732 | 732 | 643 | 212 | 340 | 296 | 453 | 348 | 479 |
| Adjusted Earnings Per Share | 1.1 | 1 | 1 | 0.9 | 0.3 | 0.5 | 0.4 | 0.6 | 0.5 | 0.6 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 8578 | 9098 | 12204 | 16240 | 15968 | 17173 | 22728 | 30325 | 36502 | 39409 |
| Other Income | 1019 | 1120 | 852 | 1722 | 2211 | 3173 | 4467 | 5932 | 6977 | 8138 |
| Total Income | 9597 | 10218 | 13056 | 17963 | 18180 | 20345 | 27195 | 36257 | 43478 | 47547 |
| Interest Expense | 6515 | 7126 | 8743 | 10228 | 8585 | 7465 | 10091 | 13870 | 17208 | 18962 |
| Operating Expenditure | 1332 | 1797 | 6091 | 5765 | 7053 | 9597 | 12108 | 16148 | 18892 | 20675 |
| Provisions and contingencies | 236 | 160 | 1432 | 4316 | 2023 | 3109 | 1665 | 2382 | 5515 | 5959 |
| Operating Profit | 1514 | 1135 | -3210 | -2346 | 519 | 175 | 3331 | 3857 | 1864 | 1950 |
| Profit Before Tax | 1514 | 1135 | -3210 | -2346 | 519 | 175 | 3331 | 3857 | 1864 | 1950 |
| Provision for Tax | 451 | 180 | -1330 | 498 | 36 | 43 | 846 | 915 | 374 | 376 |
| Profit After Tax | 1063 | 955 | -1880 | -2843 | 483 | 132 | 2485 | 2942 | 1490 | 1576 |
| Adjustments | -44 | -76 | -28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1019 | 880 | -1908 | -2843 | 483 | 132 | 2485 | 2942 | 1490 | 1576 |
| Adjusted Earnings Per Share | 3 | 2.6 | -4 | -5.9 | 0.9 | 0.2 | 3.8 | 4.2 | 2 | 2.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 20% | 29% | 18% | 0% |
| Operating Profit CAGR | -52% | 120% | 0% | 0% |
| PAT CAGR | -49% | 124% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 33% | 13% | 11% | 5% |
| ROE Average | 4% | 8% | 6% | 2% |
| ROCE Average | 6% | 8% | 7% | 7% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 14677 | 15274 | 18199 | 15404 | 17900 | 21082 | 25848 | 32274 | 38156 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 40098 | 48039 | 70354 | 65079 | 88536 | 105540 | 144470 | 200570 | 252010 |
| Borrowings | 50262 | 57287 | 69983 | 57397 | 45786 | 52963 | 57212 | 50936 | 38984 |
| Other Liabilities & Provisions | 7027 | 5781 | 8563 | 11279 | 10849 | 10561 | 12353 | 12430 | 14759 |
| Total Liabilities | 112064 | 126382 | 167099 | 149159 | 163072 | 190146 | 239882 | 296210 | 343909 |
| Cash and balance with RBI | 2995 | 3021 | 4101 | 3348 | 4670 | 11281 | 10562 | 10988 | 13985 |
| Bank Balance | 2145 | 1856 | 5425 | 814 | 1104 | 4421 | 3216 | 1493 | 1114 |
| Investments | 50164 | 60904 | 58245 | 45174 | 45182 | 45935 | 60913 | 74500 | 80505 |
| Advances | 49402 | 52165 | 86302 | 85595 | 100550 | 117858 | 151795 | 194592 | 233113 |
| Fixed Assets | 793 | 797 | 940 | 999 | 1231 | 1308 | 1914 | 2580 | 2663 |
| Other Assets | 6560 | 7636 | 12051 | 13153 | 10271 | 9264 | 11263 | 11962 | 12456 |
| Total Assets | 112064 | 126382 | 167099 | 149159 | 163072 | 190146 | 239882 | 296210 | 343909 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 2904 | 5140 | 4877 | 9526 | 4163 | 5773 | 15702 | 13779 | 12481 |
| Cash Flow from Operating Activities | 14128 | -5978 | 17364 | 10966 | 14042 | 2679 | 3563 | 11543 | 14465 |
| Cash Flow from Investing Activities | -4918 | -1027 | -1365 | -3790 | -2833 | -2960 | -11996 | -9887 | -3478 |
| Cash Flow from Financing Activities | -6974 | 6742 | -12220 | -12539 | -9598 | 10211 | 6509 | -2954 | -8668 |
| Net Cash Inflow / Outflow | 2236 | -263 | 3779 | -5363 | 1610 | 9929 | -1924 | -1298 | 2319 |
| Closing Cash & Cash Equivalent | 5140 | 4877 | 9526 | 4163 | 5773 | 15702 | 13779 | 12481 | 15099 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 3 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 | 2.04 |
| CEPS(Rs) | 3.53 | 3.3 | 1.97 | -5.25 | 1.45 | 0.83 | 4.41 | 5.05 | 3.18 |
| DPS(Rs) | 0.75 | 0.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0.25 |
| Book NAV/Share(Rs) | 43.18 | 44.87 | 38.06 | 32.02 | 31.54 | 33.88 | 39 | 45.57 | 51.91 |
| Yield on Advances | 17.36 | 17.44 | 14.14 | 18.97 | 15.88 | 14.57 | 14.97 | 15.58 | 15.66 |
| Yield on Investments | 7.68 | 7.28 | 6.76 | 9.54 | 8.05 | 6.88 | 5.83 | 5.8 | 7 |
| Cost of Liabilities | 7.21 | 6.77 | 6.23 | 8.35 | 6.39 | 4.71 | 5 | 5.51 | 5.91 |
| NIM (Net Interest Margin) | 1.97 | 1.67 | 2.25 | 4.46 | 4.87 | 5.41 | 5.58 | 5.84 | 5.87 |
| Interest Spread | 10.15 | 10.68 | 7.91 | 10.62 | 9.49 | 9.86 | 9.97 | 10.07 | 9.74 |
| ROA(%) | 0.95 | 0.8 | -1.28 | -1.8 | 0.31 | 0.07 | 1.16 | 1.1 | 0.47 |
| ROE(%) | 7.24 | 6.38 | -11.23 | -16.92 | 2.9 | 0.68 | 10.6 | 10.14 | 4.24 |
| ROCE(%) | 10.34 | 8.19 | 2.04 | 3.94 | 6.41 | 4.86 | 9.16 | 9.1 | 6.33 |
| PER(x) | 19.79 | 18.32 | 0 | 0 | 65.43 | 186.33 | 14.65 | 18.11 | 27 |
| Price/Book(x) | 1.37 | 1.06 | 1.45 | 0.66 | 1.77 | 1.17 | 1.41 | 1.65 | 1.06 |
| Dividend Yield(%) | 1.26 | 1.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0.46 |
| EV/Net Sales(x) | 8.21 | 8.07 | 7.9 | 4.16 | 4.85 | 4.52 | 4.12 | 3.44 | 2.17 |
| EV/Core EBITDA(x) | 40.24 | 56.66 | -54.22 | 34.29 | 30.45 | 23.64 | 18.74 | 16.71 | 10.74 |
| Interest Earned Growth(%) | 0 | 6.06 | 34.13 | 33.07 | -1.68 | 7.54 | 32.35 | 33.43 | 20.37 |
| Net Profit Growth | 0 | -10.09 | -296.76 | -51.24 | 116.99 | -72.62 | 1778.15 | 18.41 | -49.35 |
| Advances Growth | 0 | 5.59 | 65.44 | -0.82 | 17.47 | 17.21 | 28.79 | 28.19 | 19.8 |
| EPS Growth(%) | 0 | -13.75 | -254.36 | -48.16 | 114.4 | -75 | 1664.43 | 10.84 | -51.09 |
| Loans/Deposits(x) | 125.35 | 119.25 | 99.47 | 88.2 | 51.71 | 50.18 | 39.6 | 25.4 | 15.47 |
| Cash/Deposits(x) | 0.07 | 0.06 | 0.06 | 0.05 | 0.05 | 0.11 | 0.07 | 0.05 | 0.06 |
| Current Ratio(x) | 1.25 | 1.27 | 0.83 | 0.69 | 0.51 | 0.44 | 0.42 | 0.37 | 0.32 |
| Quick Ratio(x) | 125.35 | 119.25 | 99.47 | 88.2 | 51.71 | 50.18 | 39.6 | 25.4 | 15.47 |
| CASA % | 5.06 | 11.79 | 12.87 | 32.16 | 51.77 | 48.41 | 49.73 | 47.25 | 46.91 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.37 | 37.45 | 37.43 | 37.37 | 35.37 | 0 | 0 | 0 | 0 | 0 |
| FII | 24.48 | 24.3 | 23.65 | 21.02 | 19.57 | 27.12 | 25.68 | 23.8 | 24.63 | 36.75 |
| DII | 9.5 | 10.35 | 10.52 | 11.64 | 15.26 | 25.3 | 28.46 | 32.54 | 33.46 | 30.19 |
| Public | 26.66 | 27.91 | 28.4 | 29.96 | 29.81 | 47.58 | 45.86 | 43.66 | 41.91 | 33.05 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 264.64 | 264.64 | 264.64 | 264.64 | 264.64 | 0 | 0 | 0 | 0 | 0 |
| FII | 164.56 | 171.71 | 167.22 | 148.85 | 146.43 | 198.51 | 188.03 | 174.57 | 180.78 | 315.91 |
| DII | 63.84 | 73.11 | 74.38 | 82.45 | 114.17 | 185.18 | 208.36 | 238.66 | 245.55 | 259.54 |
| Public | 179.2 | 197.22 | 200.76 | 212.16 | 223.03 | 348.32 | 335.83 | 320.21 | 307.59 | 284.12 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 672.25 | 706.68 | 706.99 | 708.11 | 748.27 | 732 | 732.21 | 733.43 | 733.93 | 859.57 |
* The pros and cons are machine generated.
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