The Federal Bank Ltd.

NSE: FEDERALBNK BSE: 500469 SECTOR: Bank - Private  170k   1k   556

93.65
+3.45 (3.82%)
NSE: 01 Jul 03:59 PM

Price Summary

Today's High

₹ 94.35

Today's Low

₹ 89.3

52 Week High

₹ 107.65

52 Week Low

₹ 77.5

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

19699.37 Cr.

CASA %

34.01

No. of Shares

210.35 Cr.

P/E

10.42

P/B

1.05

Face Value

₹ 2

Div. Yield

1.92 %

Book Value (TTM)

₹  89.32

Net Interest Income

5533.71 Cr.

Cost To Income %

49.36

Promoter Holding

0 %

EPS (TTM)

₹  8.98

CAR %

14.62

ROE

10.38 %

ROCE

10.21%

Profit Growth

3.08 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 31 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year10.38%
3 Year10.42%
5 Year9.87%

ROA%

1 Year0.83%
3 Year0.86%
5 Year0.81%

Net NPA%

1 Year1.19%
3 Year1.33%
5 Year1.39%

 NIM

1 Year2.93%
3 Year2.8%
5 Year2.78%

CAR %

14.62

Cost of Liabilities %

4.52592607645228

PEG Ratio

3.59

Advances Growth %

7.86035045720759

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 0 0
Dec 2021 0 0
Sep 2021 0 0
Jun 2021 0 0
Mar 2021 0 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has delivered good Profit growth of 21.858327551861% over the past 3 years.

 Limitations

  • High Cost to income ratio of 49.3636934098949%.
  • Increase in Provision and contingencies of 40.7332929977908% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Interest Earned 3366.34 3355.71 3379.25 3442.56 3483.24
Other Income 477.53 650.15 444.36 484.19 465
Interest Expended 1945.96 1937.28 1899.83 1903.66 1958.03
Operating Expenses 1000.66 933.4 1058.99 1108.8 1192.01
Total Provisions 254.49 641.83 245.33 213.98 75.24
Profit Before Tax 642.76 493.35 619.46 700.31 722.96
Tax 164.95 126.06 159.2 178.58 182.42
Net Profit 477.81 367.29 460.26 521.73 540.54
Net NPA % 1.19 1.23 1.12 1.05 0.96
Gross NPA % 3.41 3.5 3.24 3.06 2.8
Return on Assets % 0.25 0.19 0.23 0.26 0.25
NPM % 14.19 10.95 13.62 15.16 15.52

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 8677.38 9752.86 11419.02 13210.75 13757.9
Other Income 1081.81 1159.12 1351.02 1931.41 1944.91
Interest Expended 5624.74 6170.05 7242.68 8561.85 8224.2
Operating Expenses 2209.53 2450.9 2764.27 3375.61 3691.72
Total Provisions 618.41 928.63 855.85 1172.17 1649.63
Profit Before Tax 1306.5 1362.4 1907.25 2032.53 2137.27
Taxes 475.71 483.55 663.36 489.75 546.97
Net Profit 830.79 878.85 1243.89 1542.78 1590.3
Adjusted EPS (Rs.) 4.82 4.46 6.27 7.74 7.97

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 344.81 394.43 397.01 398.53 399.23
Total Reserves 8597.57 11815.81 12876.03 14119.08 15724.38
Deposits 97664.56 111992.49 134954.34 152290.08 172644.48
Borrowings 5897.32 11533.5 7781.32 10372.43 9068.5
Other Liabilities 2472.67 2577.73 3331.29 3457.93 3530.8
Total Liabilities 114976.93 138313.95 159339.99 180638.05 201367.39
Assets
Balance with RBI 4576.57 5132.76 6419.17 6174.91 7647.04
Balance with Banks 2875.61 4070.65 3647.63 6399.67 11944.35
Investments 28196.09 30781.07 31824.47 35892.68 37186.21
Advances 73336.27 91957.47 110222.95 122267.91 131878.6
Net Block 474.54 448.08 454.95 455.4 479.01
Other Assets 5502.93 5914.63 6753.73 9422.89 12220.06
Total Assets 114976.93 138313.95 159339.99 180638.05 201367.39
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 0.00 0.00 0.00 0.00 0.00
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 100.00 100.00 100.00 100.00 100.00

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Federal Bank to raise funds through various modes25 Jun 2022, 11:06AM Federal Bank informs about analyst meet22 Jun 2022, 11:37AM The Federal Bank informs about allotment of shares under ESOS3 Jun 2022, 4:37PM The Federal Bank informs about analyst presentation6 May 2022, 3:37PM Federal Bank - Quaterly Results6 May 2022, 1:41PM Federal Bank - Quaterly Results6 May 2022, 1:41PM Federal Bank - Quaterly Results6 May 2022, 1:41PM Federal Bank posts 9% growth in gross advances in Q4FY225 Apr 2022, 10:46AM Federal Bank partners with Reserve Bank Innovation Hub25 Mar 2022, 11:48AM The Federal Bank informs about analyst meet16 Mar 2022, 12:43PM The Federal Bank informs about analyst meet19 Feb 2022, 3:12PM The Federal Bank informs about allotment of shares under ESOS18 Feb 2022, 11:29AM The Federal Bank informs about allotment of shares under ESOS11 Feb 2022, 12:23PM Federal Bank launches debt/bond fund in association with Singapore's Scube Capital 28 Jan 2022, 3:35PM Federal Bank reports 29% rise in Q3 consolidated net profit25 Jan 2022, 3:28PM The Federal Bank informs about allotment20 Jan 2022, 3:03PM Federal Bank raises Rs 700 crore by issue of Debentures20 Jan 2022, 2:40PM Federal Bank gets approval to raise up to Rs 700 crore12 Jan 2022, 5:51PM Federal Bank introduces online lending platform: Report12 Jan 2022, 3:07PM Federal Bank’s arm gets board approval for IPO12 Jan 2022, 9:02AM Federal Bank planning to raise Rs 700 crore through Debentures 10 Jan 2022, 11:17AM The Federal Bank informs about certificate5 Jan 2022, 4:26PM Federal Bank posts 12% growth in gross advances in Q33 Jan 2022, 3:15PM Federal bank informs about closure of trading window31 Dec 2021, 4:35PM Federal Bank partners with Schwing Stetter India30 Dec 2021, 9:00AM Federal Bank informs about analyst meet 29 Dec 2021, 4:43PM Federal Bank informs about analyst meet22 Dec 2021, 2:54PM The Federal Bank informs about analyst meet10 Dec 2021, 12:49PM Federal Bank informs about updates22 Nov 2021, 12:28PM The Federal Bank informs about analyst meet20 Nov 2021, 10:07AM Federal Bank informs about allotment of equity shares under ESOS19 Nov 2021, 3:57PM Federal Bank informs about disclosure18 Nov 2021, 2:48PM Federal Bank informs about analyst meet9 Nov 2021, 12:41PM Federal Bank reports 54% rise in Q2 consolidated net profit22 Oct 2021, 3:07PM Federal Bank - Quaterly Results22 Oct 2021, 1:00PM Federal Bank informs about conference call 21 Oct 2021, 11:39AM Federal Bank inks pact with CredAvenue6 Oct 2021, 9:52AM Federal Bank posts 10% growth in advances in Q24 Oct 2021, 12:41PM Federal Bank informs about loss of share certificates28 Sep 2021, 10:40AM Federal Bank inks pact with NPCI28 Sep 2021, 10:31AM Federal Bank informs about analyst meet23 Sep 2021, 9:53AM Federal Bank enters into strategic alliance with OneCard23 Sep 2021, 9:36AM Federal Bank unveils credit card: Report6 Sep 2021, 2:17PM Federal Bank reports 13% fall in Q1 consolidated net profit23 Jul 2021, 3:30PM The Federal Bank informs about analyst meet21 Jul 2021, 10:03AM Federal Bank reports total deposits of Rs 169393 crore in first quarter of FY227 Jul 2021, 12:42PM Federal Bank provides 400-odd part-time jobs in Kerala28 Jun 2021, 12:22PM Federal Bank donates 10,000 vaccine carriers to Kerala government23 Jun 2021, 4:35PM Federal Bank informs about AGM18 Jun 2021, 1:06PM Federal Bank to raise fund of Rs 12,000 crore 17 Jun 2021, 10:59AM

Federal Bank Stock Price Analysis and Quick Research Report. Is Federal Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Federal Bank is performing and if it is the right time to buy the stock of Federal Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Federal Bank has earned Rs 13757.9023 Cr. revenue in the latest financial year. It has posted decent revenue growth of 12.1517851278914 % in last 3 Years.

  • In terms of advances, the bank reported 7.86035045720759 % YOY,  rise . If you see 3 years advance growth, it stands at 12.7705679836971 %.

  • Currently the company has a CASA ratio of 34.0077898036428 %. It’s overall cost of liability stands at 4.52592607645228 %. Also, the total deposits from these accounts stood at Rs 172644.4801 Cr.

  • The Bank has a average ROA track record. The ROA of Federal Bank is at 0.83260454200025 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.41 % and 1.19 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 40.7332929977908 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Federal Bank surged and is currently at Rs 1944.9127 Cr.

  • The company has a Good Capital Adequacy Ratio of 14.62 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Federal Bank is trading at a P/B of 1.0479 . The historical average PB was 1.22997834958535.

Brief about Federal Bank

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