Market Cap ₹45018 Cr.
Stock P/E 15.3
P/B 1.2
Current Price ₹61.5
Book Value ₹ 51.6
Face Value 10
52W High ₹86.1
Dividend Yield 0%
52W Low ₹ 56.5
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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Price falls below X
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PE falls below X
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#(Fig in Cr.) | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 5470 | 5912 | 6424 | 6869 | 7356 | 7880 | 8220 | 8789 | 8957 | 9343 |
Other Income | 1061 | 1152 | 1398 | 1364 | 1410 | 1517 | 1642 | 1574 | 1727 | 1780 |
Total Income | 6531 | 7064 | 7822 | 8232 | 8766 | 9396 | 9863 | 10363 | 10684 | 11123 |
Interest Expense | 2467 | 2626 | 2827 | 3122 | 3406 | 3592 | 3750 | 4093 | 4169 | 4440 |
Operating Expenditure | 2880 | 3162 | 3418 | 3638 | 3849 | 4219 | 4442 | 4422 | 4539 | 4922 |
Provisions and contingencies | 424 | 450 | 482 | 476 | 528 | 655 | 722 | 994 | 1732 | 1338 |
Operating Profit | 760 | 827 | 1094 | 996 | 983 | 930 | 948 | 853 | 245 | 422 |
Profit Before Tax | 760 | 827 | 1094 | 996 | 983 | 930 | 948 | 853 | 245 | 422 |
Provision for Tax | 193 | 210 | 278 | 265 | 236 | 198 | 216 | 210 | 33 | 82 |
Profit After Tax | 567 | 617 | 816 | 732 | 747 | 732 | 732 | 643 | 212 | 340 |
Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit After Adjustments | 567 | 617 | 816 | 732 | 747 | 732 | 732 | 643 | 212 | 340 |
Adjusted Earnings Per Share | 0.9 | 1 | 1.2 | 1.1 | 1.1 | 1 | 1 | 0.9 | 0.3 | 0.5 |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
---|---|---|---|---|---|---|---|---|---|
Interest Earned | 8578 | 9098 | 12204 | 16240 | 15968 | 17173 | 22728 | 30325 | 35309 |
Other Income | 1019 | 1120 | 852 | 1722 | 2211 | 3173 | 4467 | 5932 | 6723 |
Total Income | 9597 | 10218 | 13056 | 17963 | 18180 | 20345 | 27195 | 36257 | 42033 |
Interest Expense | 6515 | 7126 | 8743 | 10228 | 8585 | 7465 | 10091 | 13870 | 16452 |
Operating Expenditure | 1332 | 1797 | 6091 | 5765 | 7053 | 9597 | 12108 | 16148 | 18325 |
Provisions and contingencies | 236 | 160 | 1432 | 4316 | 2023 | 3109 | 1665 | 2382 | 4786 |
Operating Profit | 1514 | 1135 | -3210 | -2346 | 519 | 175 | 3331 | 3857 | 2468 |
Profit Before Tax | 1514 | 1135 | -3210 | -2346 | 519 | 175 | 3331 | 3857 | 2468 |
Provision for Tax | 451 | 180 | -1330 | 498 | 36 | 43 | 846 | 915 | 541 |
Profit After Tax | 1063 | 955 | -1880 | -2843 | 483 | 132 | 2485 | 2942 | 1927 |
Adjustments | -44 | -76 | -28 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit After Adjustments | 1019 | 880 | -1908 | -2843 | 483 | 132 | 2485 | 2942 | 1927 |
Adjusted Earnings Per Share | 3 | 2.6 | -4 | -5.9 | 0.9 | 0.2 | 3.8 | 4.2 | 2.7 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 33% | 24% | 20% | 0% |
Operating Profit CAGR | 16% | 95% | 0% | 0% |
PAT CAGR | 18% | 83% | 0% | 0% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | -24% | 12% | 8% | NA% |
ROE Average | 10% | 7% | 1% | 1% |
ROCE Average | 9% | 8% | 7% | 7% |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 14677 | 15274 | 18199 | 15404 | 17900 | 21082 | 25848 | 32274 |
Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deposits | 40098 | 48039 | 70354 | 65079 | 88536 | 105540 | 144470 | 200570 |
Borrowings | 50262 | 57287 | 69983 | 57397 | 45786 | 52963 | 57212 | 50936 |
Other Liabilities & Provisions | 7027 | 5781 | 8563 | 11279 | 10849 | 10561 | 12353 | 12430 |
Total Liabilities | 112064 | 126382 | 167099 | 149159 | 163072 | 190146 | 239882 | 296210 |
Cash and balance with RBI | 2995 | 3021 | 4101 | 3348 | 4670 | 11281 | 10562 | 10988 |
Bank Balance | 2145 | 1856 | 5425 | 814 | 1104 | 4421 | 3216 | 1493 |
Investments | 50164 | 60904 | 58245 | 45174 | 45182 | 45935 | 60913 | 74500 |
Advances | 49402 | 52165 | 86302 | 85595 | 100550 | 117858 | 151795 | 194592 |
Fixed Assets | 793 | 797 | 940 | 999 | 1231 | 1308 | 1914 | 2580 |
Other Assets | 6560 | 7636 | 12051 | 13153 | 10271 | 9264 | 11263 | 11962 |
Total Assets | 112064 | 126382 | 167099 | 149159 | 163072 | 190146 | 239882 | 296210 |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 2904 | 5140 | 4877 | 9526 | 4163 | 5773 | 15702 | 13779 |
Cash Flow from Operating Activities | 14128 | -5978 | 17364 | 10966 | 14042 | 2679 | 3563 | 11543 |
Cash Flow from Investing Activities | -4918 | -1027 | -1365 | -3790 | -2833 | -2960 | -11996 | -9887 |
Cash Flow from Financing Activities | -6974 | 6742 | -12220 | -12539 | -9598 | 10211 | 6509 | -2954 |
Net Cash Inflow / Outflow | 2236 | -263 | 3779 | -5363 | 1610 | 9929 | -1924 | -1298 |
Closing Cash & Cash Equivalent | 5140 | 4877 | 9526 | 4163 | 5773 | 15702 | 13779 | 12481 |
# | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 3 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 |
CEPS(Rs) | 3.53 | 3.3 | 1.97 | -5.25 | 1.45 | 0.83 | 4.41 | 5.05 |
DPS(Rs) | 0.75 | 0.75 | 0 | 0 | 0 | 0 | 0 | 0 |
Book NAV/Share(Rs) | 43.18 | 44.87 | 38.06 | 32.02 | 31.54 | 33.88 | 39 | 45.57 |
Yield on Advances | 17.36 | 17.44 | 14.14 | 18.97 | 15.88 | 14.57 | 14.97 | 15.58 |
Yield on Investments | 7.68 | 7.28 | 6.76 | 9.54 | 8.05 | 6.88 | 5.83 | 5.8 |
Cost of Liabilities | 7.21 | 6.77 | 6.23 | 8.35 | 6.39 | 4.71 | 5 | 5.51 |
NIM (Net Interest Margin) | 1.97 | 1.67 | 2.25 | 4.46 | 4.87 | 5.41 | 5.58 | 5.84 |
Interest Spread | 10.15 | 10.68 | 7.91 | 10.62 | 9.49 | 9.86 | 9.97 | 10.07 |
ROA(%) | 0.95 | 0.8 | -1.28 | -1.8 | 0.31 | 0.07 | 1.16 | 1.1 |
ROE(%) | 7.24 | 6.38 | -11.23 | -16.92 | 2.9 | 0.68 | 10.6 | 10.14 |
ROCE(%) | 10.34 | 8.19 | 2.04 | 3.94 | 6.41 | 4.86 | 9.16 | 9.1 |
PER(x) | 19.79 | 18.32 | 0 | 0 | 65.43 | 186.33 | 14.65 | 18.11 |
Price/Book(x) | 1.37 | 1.06 | 1.45 | 0.66 | 1.77 | 1.17 | 1.41 | 1.65 |
Dividend Yield(%) | 1.26 | 1.58 | 0 | 0 | 0 | 0 | 0 | 0 |
EV/Net Sales(x) | 8.21 | 8.07 | 7.9 | 4.16 | 4.85 | 4.52 | 4.12 | 3.44 |
EV/Core EBITDA(x) | 40.24 | 56.66 | -54.22 | 34.29 | 30.45 | 23.64 | 18.74 | 16.71 |
Interest Earned Growth(%) | 0 | 6.06 | 34.13 | 33.07 | -1.68 | 7.54 | 32.35 | 33.43 |
Net Profit Growth | 0 | -10.09 | -296.76 | -51.24 | 116.99 | -72.62 | 1778.15 | 18.41 |
Advances Growth | 0 | 5.59 | 65.44 | -0.82 | 17.47 | 17.21 | 28.79 | 28.19 |
EPS Growth(%) | 0 | -13.75 | -254.36 | -48.16 | 114.4 | -75 | 1664.43 | 10.84 |
Loans/Deposits(x) | 125.35 | 119.25 | 99.47 | 88.2 | 51.71 | 50.18 | 39.6 | 25.4 |
Cash/Deposits(x) | 0.07 | 0.06 | 0.06 | 0.05 | 0.05 | 0.11 | 0.07 | 0.05 |
Current Ratio(x) | 1.25 | 1.27 | 0.83 | 0.69 | 0.51 | 0.44 | 0.42 | 0.37 |
Quick Ratio(x) | 125.35 | 119.25 | 99.47 | 88.2 | 51.71 | 50.18 | 39.6 | 25.4 |
CASA % | 5.06 | 11.79 | 12.87 | 32.16 | 51.77 | 48.41 | 49.73 | 47.25 |
# | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 36.47 | 36.38 | 39.99 | 39.93 | 39.37 | 37.45 | 37.43 | 37.37 | 35.37 | 0 |
FII | 11.7 | 19.76 | 19.3 | 20.84 | 24.48 | 24.3 | 23.65 | 21.02 | 19.57 | 27.12 |
DII | 21.65 | 13.83 | 11.65 | 11.68 | 9.5 | 10.35 | 10.52 | 11.64 | 15.26 | 25.3 |
Public | 30.18 | 30.03 | 29.06 | 27.55 | 26.66 | 27.91 | 28.4 | 29.96 | 29.81 | 47.58 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 226.89 | 226.89 | 264.64 | 264.64 | 264.64 | 264.64 | 264.64 | 264.64 | 264.64 | 0 |
FII | 72.79 | 123.25 | 127.75 | 138.15 | 164.56 | 171.71 | 167.22 | 148.85 | 146.43 | 198.51 |
DII | 134.69 | 86.27 | 77.11 | 77.41 | 63.84 | 73.11 | 74.38 | 82.45 | 114.17 | 185.18 |
Public | 187.76 | 187.26 | 192.3 | 182.61 | 179.2 | 197.22 | 200.76 | 212.16 | 223.03 | 348.32 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 622.13 | 623.67 | 661.81 | 662.82 | 672.25 | 706.68 | 706.99 | 708.11 | 748.27 | 732 |
Pros
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