Federal Bank
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Federal Bank share price

The Federal Bank Ltd.

NSE: FEDERALBNK BSE: 500469 SECTOR: Bank - Private  4.47 L   2.71 K   787

196.45
-2.95 (-1.48%)
BSE: 22 Aug 04:01 PM

Price Summary

Today's High

₹ 199.1

Today's Low

₹ 196.05

52 Week High

₹ 220

52 Week Low

₹ 172.95

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.
EfficiencyExcellent
The company knows very well the utilization of its assets.
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

₹ 48300.5 Cr.

CASA %

30.45

No. of Shares

245.87 Cr.

P/E

12.37

P/B

1.41

Face Value

₹ 2

Div. Yield

0.61 %

Book Value (TTM)

₹  139.37

Net Interest Income

₹ 9468 Cr.

Cost To Income %

54.02

Promoter Holding

0 %

EPS (TTM)

₹  15.88

CAR %

16.4

ROE

12.97 %

ROCE

13.15%

Profit Growth

8.9 %

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

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

 

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PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year12.97%
3 Year14.21%
5 Year12.77%

ROA%

1 Year1.23%
3 Year1.26%
5 Year1.1%

Net NPA%

1 Year0.44%
3 Year0.58%
5 Year0.78%

 NIM

1 Year2.85%
3 Year2.91%
5 Year2.91%

CAR %

16.4

Cost of Liabilities %

5.4973

PEG Ratio

1.55

Advances Growth %

12.1455

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 0.00 0.00
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.2642% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 14.2081666666667%.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.576666666666667%.
  • Good Capital Adequacy Ratio of 16.4%.
  • The company has delivered good Profit growth of 28.9472836001123% over the past 3 years.
  • The company has delivered good Income growth of 24.5044326000273% over the past 3 years.

 Limitations

  • CASA Growth of 0.8918% YoY, which is very low.
  • High Cost to income ratio of 54.0205%.
  • Increase in Provision and contingencies of 273.811217499099% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 6330.88 6577.28 6808.73 6648.36 6686.63
Other Income 915.18 963.95 916.17 1005.95 1112.98
Interest Expended 4038.9 4210.05 4377.39 4270.92 4349.8
Operating Expenses 1706.25 1765.82 1778.05 1917.99 1893.52
Total Provisions 144.27 158.35 292.33 138.11 400.16
Profit Before Tax 1356.64 1407.01 1277.13 1327.29 1156.13
Tax 347.11 350.32 321.69 297.06 294.38
Net Profit 1009.53 1056.69 955.44 1030.23 861.75
Net NPA % 0.6 0.57 0.49 0.44 0.48
Gross NPA % 2.11 2.09 1.95 1.84 1.91
Return on Assets % 0.32 0.32 0.29 0.31 0.25
NPM % 15.95 16.07 14.03 15.5 12.89

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 13757.9 13660.75 16803.63 22188.26 26365.25
Other Income 1958.71 2089.09 2330 3079.27 3801.25
Interest Expended 8224.2 7698.8 9571.47 13894.78 16897.26
Operating Expenses 3691.72 4293.19 4767.77 6198.27 7168.11
Total Provisions 1663.42 1221.77 749.89 196.11 733.07
Profit Before Tax 2137.27 2536.08 4044.5 4978.38 5368.07
Taxes 546.97 646.26 1033.91 1257.78 1316.18
Net Profit 1590.3 1889.82 3010.59 3720.6 4051.89
Adjusted EPS (Rs.) 7.97 8.99 14.23 15.28 16.5

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 399.23 420.51 423.24 487.07 491.17
Total Reserves 15724.38 18371.96 21080.52 28603.93 32917.76
Deposits 172644.48 181700.59 213386.04 252534.02 283647.47
Borrowings 9068.5 15393.12 19319.29 18026.42 23726.3
Other Liabilities 3529.94 5058.77 6130.27 8656.95 8210.41
Total Liabilities 201367.39 220946.31 260341.83 308311.8 349004.8
Assets
Balance with RBI 7647.04 16049.27 12590.85 11493.57 20354.44
Balance with Banks 11944.35 4961.07 5097.83 7469.35 10504.81
Investments 37186.21 39179.46 48983.35 60859.53 66245.61
Advances 131878.6 144928.32 174446.88 209403.33 234836.39
Net Block 479.01 605.76 853.11 954.17 1407.14
Other Assets 12220.06 15194.23 18288.94 18065.97 15585.29
Total Assets 201367.39 220946.31 260341.83 308311.8 349004.8
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 100.00 100.00 100.00 100.00 100.00
aditya birla sun life - - - - 1.53
axis mutual fund 1.15 2.25 2.68 2.67 2.99
bank muscat india fund 1.38 1.37 1.37 1.37 1.37
canara robeco mutual fund... 1.25 1.47 1.43 1.58 1.65
dsp mutual fund 1.65 1.47 1.33 1.21 1.25
edelweiss - - - - 1.08
hdfc life insurance compa... 2.28 2.27 2.26 2.28 2.29
hdfc mututal fund 6.87 6.93 7.04 7.11 7.04
hsbc mutual fund 1.86 1.97 2.10 2.50 1.69
icici prudential mutual f... 2.16 1.72 1.57 1.23 1.23
international finance cor... 3.86 3.86 3.85 3.85 3.85
invesco india esg equity ... 1.54 1.74 1.87 1.82 2.14
investor education and pr... 0.31 - - 0.33 0.33
kotak mutual fund 2.52 2.34 2.41 2.37 1.86
life insurance corporatio... 3.39 3.47 3.61 3.61 3.02
llp 0.19 0.05 0.05 0.05 0.06
mirae asset mutual fund 2.30 2.24 2.14 2.44 1.58
nippon life india trustee... 3.02 2.98 3.02 2.86 2.89
rekha jhunjhunwala 1.53 1.42 1.42 1.48 1.48
sbi life insurance co. lt... 1.15 1.37 1.52 1.71 1.91
sbi mutual fund 2.15 1.82 2.08 1.65 2.00
sundaram mutual fund 1.13 1.13 1.10 1.06 1.09
tata aia life insurance c... - - - 1.05 1.12
vanguard 1.02 1.04 1.04 1.05 1.08
yusuffali musaliam veetti... 3.10 - 3.09 3.15 3.15
zerodha broking 1.02 1.03 1.03 1.02 1.02
ifc emerging asia fund lp... 1.73 1.73 1.17 1.12 -
ifc financial institution... 1.73 1.73 1.17 1.12 -
tata mutual fund 1.14 1.14 1.11 1.06 -
uti mutual fund - - 1.32 1.31 -
franklin india multi cap ... - 1.05 1.05 - -
investor education and pr... - 0.33 0.33 - -
kotak fund 1.43 1.14 1.05 - -
tata aia life insurance 1.42 1.41 - - -
yusuffali musaliam veett... - 3.10 - - -
rakesh jhunjhunwala 1.01 - - - -

Annual Reports

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Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

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.

Federal Bank stock price today is Rs 196.34. 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 26365.2523 Cr. revenue in the latest financial year. Federal Bank has posted outstanding revenue growth of 24.5044326000273 % in last 3 Years.

  • In terms of advances, Federal Bank reported 12.1455 % YOY,  rise . If you see 3 years advance growth, it stands at 17.4547840891884 %.

  • Currently, Federal Bank has a CASA ratio of 30.4525 %. It’s overall cost of liability stands at 5.4973 %. Also, the total deposits of Federal Bank from these accounts stood at Rs 283647.4727 Cr.

  • Federal Bank has a healthy ROA track record. The ROA of Federal Bank is at 1.2329 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.84 % and 0.44 % 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 273.811217499099 % 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 3801.2493 Cr.

  • Federal Bank has a Good Capital Adequacy Ratio of 16.4 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Federal Bank is trading at a P/B of 1.4096 . The historical average PB of Federal Bank was 1.20073289875857.

  • Share Price: - The current share price of Federal Bank is Rs 196.34. One can use valuation calculators of ticker to know if Federal Bank share price is undervalued or overvalued.

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Brief about Federal Bank

Federal Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

The Federal Bank Ltd. is a leading private sector bank in India that offers a wide range of financial services to its customers. As a long-term stock investor, it is important to analyze the company's performance before making an investment decision. In this stock analysis page, we will discuss various aspects of The Federal Bank Ltd. that will help you make an informed decision.

Share Price of Federal Bank Ltd

The Federal Bank Ltd.'s share price is an important indicator of the company's performance. It is influenced by various factors such as market conditions, company performance, and investor sentiments. 

Balance Sheet of Federal Bank Ltd

The Federal Bank Ltd.'s balance sheet is a snapshot of the company's financial position at a given point in time. It provides information about the company's assets, liabilities, and equity. Our premium feature, DCF Analysis, can help you calculate the fair value of the company based on its balance sheet.

Annual Report of Federal Bank Ltd

The Federal Bank Ltd.'s annual report provides detailed information about the company's performance over the past year. It includes financial statements, management discussion and analysis, and other important information. Ticker provides downloadable copies of the annual report that can be used for analysis.

Dividend of Federal Bank Ltd

The Federal Bank Ltd. has a consistent history of paying dividends to its shareholders. It is a sign of the company's financial stability and growth potential. 

Quarterly Result of Federal Bank Ltd

The Federal Bank Ltd.'s quarterly result provides information about the company's performance over the past quarter. It includes financial statements and other important information. Ticker premium feature, BVPS Analysis, can help you calculate the book value per share based on the quarterly result.

Stock Price of Federal Bank Ltd

The Federal Bank Ltd.'s stock price is influenced by various factors such as market conditions, company performance, and investor sentiments. 

Price Chart of Federal Bank Ltd

The Federal Bank Ltd.'s price chart provides a visual representation of the company's stock price over a period of time. It can help you identify trends and patterns in the stock price. Ticker provides an interactive price chart that can be used for analysis.

News of Federal Bank Ltd

The Federal Bank Ltd.'s news section provides information about the company's latest developments and announcements. It includes press releases, media coverage, and other important information. Ticker provides a news section that can be used for analysis.

Concall of Federal Bank Ltd

The Federal Bank Ltd.'s concall provides an opportunity for investors to interact with the company's management and ask questions about the company's performance and future plans. Ticker provides transcripts of the concall that can be used for analysis.

Transcripts of Federal Bank Ltd

The Federal Bank Ltd.'s transcripts provide a detailed account of the company's concall and other important events. It includes information about the company's performance, future plans, and other important information. Ticker provides downloadable transcripts that can be used for analysis.

Investor Presentations of Federal Bank Ltd

The Federal Bank Ltd.'s investor presentations provide information about the company's performance and future plans. It includes financial statements, management discussion and analysis, and other important information. Ticker provides downloadable copies of the investor presentations that can be used for analysis.

Promoters of Federal Bank Ltd

The Federal Bank Ltd.'s promoters are individuals or entities that hold a significant stake in the company. They play an important role in the company's decision-making process and can influence the company's performance. Ticker pre-built screening tools can help you analyze the promoter's stake and compare it with other companies in the same sector.

Shareholders of Federal Bank Ltd

The Federal Bank Ltd.'s shareholders are individuals or entities that hold a stake in the company. They have a vested interest in the company's performance and can influence the company's decision-making process. 

Federal Bank Ltd ROCE

The Return on Capital Employed (ROCE) ratio is an essential profitability metric that evaluates a company's capacity to generate profits from its capital investments. On this page, you can access the ROCE data for Federal Bank Ltd in the financials table or ratio section located above, enabling you to assess the efficiency with which the company is utilizing its capital.

Federal Bank Ltd EBITDA

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is a vital metric that measures a company's operating profitability. With the EBITDA data available for Federal Bank Ltd on this page, investors can scrutinize the company's core profitability without including non-operating expenses.

Federal Bank Ltd DPS

Dividends Per Share (DPS) is a significant metric for investors looking to generate income from their investment in a company. The DPS data for Federal Bank Ltd can be accessed on this page in the financials table or ratio section above, providing an overview of the company's dividend distribution to its shareholders.

Federal Bank Ltd EPS

Earnings Per Share (EPS) is a fundamental profitability metric that indicates a company's profitability on a per-share basis. By referring to the EPS figures for Federal Bank Ltd on this page, investors can evaluate the company's earnings performance on each outstanding share of the stock. 

Federal Bank's Equity and Liabilities Growth

The Federal Bank has demonstrated consistent growth in its Equity and Liabilities over the past four years. From March 2020 to March 2024, the Share Capital increased from Rs 398.53 Cr to Rs 487.07 Cr, indicating a capital expansion and possibly more invested equity. The Total Reserves soared impressively from Rs 14,119.08 Cr to a significant Rs 28,603.93 Cr. This could signal strong internal fund accumulation and financial robustness.

Rising Deposits in Federal Bank

Deposits, a critical component of the bank's balance sheet, show a robust upward trend, escalating from Rs 1,52,290.08 Cr in March 2020 to Rs 2,52,534.02 Cr by March 2024. This substantial rise in deposits reflects growing customer trust and an expanding customer base.

Federal Bank's Borrowings Fluctuation

Borrowings by Federal Bank saw a notable fluctuation, with an initial decrease from Rs 10,372.43 Cr in March 2020 to Rs 9,068.50 Cr in March 2021, followed by a substantial increase to Rs 19,319.29 Cr in March 2023, before a slight dip to Rs 18,026.42 Cr in March 2024. This indicates a changing debt profile, which may be aligned with the bank's financing strategies.

Asset Buildup in Federal Bank

The asset side of the balance sheet displayed solid growth, particularly in Advances, which escalated from Rs 1,22,267.91 Cr in March 2020 to Rs 2,09,403.33 Cr by March 2024. Investments also grew significantly from Rs 35,892.68 Cr to Rs 60,859.53 Cr, suggesting a strategic deployment of funds into revenue-generating avenues.

The data presented is an analysis for the Standalone Balance sheet of the company.

Discovering financial trends is crucial for investors analyzing the banking sector, and this assessment points to Federal Bank's solid performance in the market.

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