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Consolidated Standalone

IDFC First Bank

₹76.6 0.6 | 0.9%

Market Cap ₹54130 Cr.

Stock P/E 17.9

P/B 1.7

Current Price ₹76.6

Book Value ₹ 45.6

Face Value 10

52W High ₹100.7

Dividend Yield 0%

52W Low ₹ 64.1

Edit Ratio

IDFC First Bank Research see more...

Overview Inc. Year: 2014Industry: Bank - Private

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.

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IDFC First Bank Share Price

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Peer Comparison

IDFC First 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 4429 4554 4922 5470 5912 6424 6869 7356 7880 8220
Other Income 769 831 856 1061 1152 1398 1364 1410 1517 1642
Total Income 5199 5385 5777 6531 7064 7822 8232 8766 9396 9863
Interest Expense 1849 1884 2170 2467 2626 2827 3122 3406 3592 3750
Operating Expenditure 2566 2661 2649 2880 3162 3418 3638 3849 4219 4442
Provisions and contingencies 392 369 308 424 450 482 476 528 655 722
Operating Profit 391 470 650 760 827 1094 996 983 930 948
Profit Before Tax 391 470 650 760 827 1094 996 983 930 948
Provision for Tax 101 118 165 193 210 278 265 236 198 216
Profit After Tax 290 352 485 567 617 816 732 747 732 732
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 290 352 485 567 617 816 732 747 732 732
Adjusted Earnings Per Share 0.5 0.6 0.8 0.9 1 1.2 1.1 1.1 1 1

IDFC First Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 8578 9098 12204 16240 15968 17173 22728 30325
Other Income 1019 1120 852 1722 2211 3173 4467 5933
Total Income 9597 10218 13056 17963 18180 20345 27195 36257
Interest Expense 6515 7126 8743 10228 8585 7465 10091 13870
Operating Expenditure 1332 1797 6091 5765 7053 9597 12108 16148
Provisions and contingencies 236 160 1432 4316 2023 3109 1665 2381
Operating Profit 1514 1135 -3210 -2346 519 175 3331 3857
Profit Before Tax 1514 1135 -3210 -2346 519 175 3331 3857
Provision for Tax 451 180 -1330 498 36 43 846 915
Profit After Tax 1063 955 -1880 -2843 483 132 2485 2943
Adjustments -44 -76 -28 0 0 0 0 0
Profit After Adjustments 1019 880 -1908 -2843 483 132 2485 2943
Adjusted Earnings Per Share 3 2.6 -4 -5.9 0.9 0.2 3.8 4.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 32% 12% 20% 0%
Operating Profit CAGR 1803% 0% 24% 0%
PAT CAGR 1783% 0% 21% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 20% 11% 9% NA%
ROE Average 11% 5% -3% -0%
ROCE Average 9% 7% 5% 6%

IDFC First Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 14677 15274 18199 15404 17900 21082 25848
Minority's Interest 0 0 0 0 0 0 0
Deposits 40098 48039 70354 65079 88536 105540 144470
Borrowings 50262 57287 69983 57397 45786 52963 57212
Other Liabilities & Provisions 7027 5781 8563 11279 10849 10561 12353
Total Liabilities 112064 126382 167099 149159 163072 190146 239882
Cash and balance with RBI 2995 3021 4101 3348 4670 11281 10562
Bank Balance 2145 1856 5425 814 1104 4421 3216
Investments 50164 60904 58245 45174 45182 45935 60913
Advances 49402 52165 86302 85595 100550 117858 151795
Fixed Assets 793 797 940 999 1231 1308 1914
Other Assets 6560 7636 12051 13153 10271 9264 11263
Total Assets 112064 126382 167099 149159 163072 190146 239882

IDFC First Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 2904 5140 4877 9526 4163 5773 15702
Cash Flow from Operating Activities 14128 -5978 17364 10966 14042 2679 3563
Cash Flow from Investing Activities -4918 -1027 -1365 -3790 -2833 -2960 -11996
Cash Flow from Financing Activities -6974 6742 -12220 -12539 -9598 10211 6509
Net Cash Inflow / Outflow 2236 -263 3779 -5363 1610 9929 -1924
Closing Cash & Cash Equivalent 5140 4877 9526 4163 5773 15702 13779

IDFC First Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 3 2.58 -3.99 -5.91 0.85 0.21 3.75
CEPS(Rs) 3.53 3.3 1.97 -5.25 1.45 0.83 4.41
DPS(Rs) 0.75 0.75 0 0 0 0 0
Book NAV/Share(Rs) 43.18 44.87 38.06 32.02 31.54 33.88 39
Yield on Advances 17.36 17.44 14.14 18.97 15.88 14.57 14.97
Yield on Investments 7.68 7.28 6.76 9.54 8.05 6.88 5.83
Cost of Liabilities 7.21 6.77 6.23 8.35 6.39 4.71 5
NIM (Net Interest Margin) 1.97 1.67 2.25 4.46 4.87 5.41 5.58
Interest Spread 10.15 10.68 7.91 10.62 9.49 9.86 9.97
ROA(%) 0.95 0.8 -1.28 -1.8 0.31 0.07 1.16
ROE(%) 7.24 6.38 -11.23 -16.92 2.9 0.68 10.6
ROCE(%) 10.34 8.19 2.04 3.94 6.41 4.86 9.16
PER(x) 19.79 18.32 0 0 65.43 186.33 14.65
Price/Book(x) 1.37 1.06 1.45 0.66 1.77 1.17 1.41
Dividend Yield(%) 1.26 1.58 0 0 0 0 0
EV/Net Sales(x) 8.21 8.07 7.9 4.16 4.85 4.52 4.12
EV/Core EBITDA(x) 40.24 56.66 -54.22 34.29 30.45 23.64 18.74
Interest Earned Growth(%) 0 6.06 34.13 33.07 -1.68 7.54 32.35
Net Profit Growth 0 -10.09 -296.76 -51.24 116.99 -72.62 1778.15
Advances Growth 0 5.59 65.44 -0.82 17.47 17.21 28.79
EPS Growth(%) 0 -13.75 -254.36 -48.16 114.4 -75 1664.43
Loans/Deposits(x) 125.35 119.25 99.47 88.2 51.71 50.18 39.6
Cash/Deposits(x) 0.07 0.06 0.06 0.05 0.05 0.11 0.07
Current Ratio(x) 1.25 1.27 0.83 0.69 0.51 0.44 0.42
Quick Ratio(x) 125.35 119.25 99.47 88.2 51.71 50.18 39.6
CASA % 5.06 11.79 12.87 32.16 51.77 48.41 49.73

IDFC First Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 36.51 36.49 36.48 36.47 36.38 39.99 39.93 39.37 37.45 37.43
FII 14.77 13.48 10.99 11.7 19.76 19.3 20.84 24.48 24.3 23.65
DII 14.57 13.79 14.39 21.65 13.83 11.65 11.68 9.5 10.35 10.52
Public 34.15 36.24 38.14 30.18 30.03 29.06 27.55 26.66 27.91 28.4
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 21% CAGR over last 5 years

Cons

  • Promoter holding is low: 37.43%.
  • Company has a low return on equity of 5% 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.

IDFC First Bank News

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