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IDFC First Bank share price

IDFC First Bank Ltd.

NSE: IDFCFIRSTB BSE: 539437 SECTOR: Bank - Private  969k   5k   2k

66.21
0 0
BSE: 09 May 04:01 PM

Price Summary

Today's High

₹ 66.9

Today's Low

₹ 64.85

52 Week High

₹ 84.5

52 Week Low

₹ 52.5

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.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

48509.34 Cr.

CASA %

47.25

No. of Shares

732.66 Cr.

P/E

31.81

P/B

1.28

Face Value

₹ 10

Div. Yield

0.38 %

Book Value (TTM)

₹  51.78

Net Interest Income

16450.76 Cr.

Cost To Income %

72.22

Promoter Holding

0 %

EPS (TTM)

₹  2.08

CAR %

16.11

ROE

10.23 %

ROCE

9.11%

Profit Growth

21.31 %

* 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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Index Presence

The company is present in 36 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

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year10.23%
3 Year7.14%
5 Year1.41%

ROA%

1 Year1.1%
3 Year0.77%
5 Year0.16%

Net NPA%

1 Year0.6%
3 Year1%
5 Year1.16%

 NIM

1 Year5.84%
3 Year5.6%
5 Year5.23%

CAR %

16.11

Cost of Liabilities %

5.5153

PEG Ratio

2.35

Advances Growth %

28.1946

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 35.37 0.00
Jun 2024 37.37 0.00
Mar 2024 37.43 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 5.60276529341816% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.996666666666667%.
  • CASA stands at 47.248% of total deposits.
  • Good Capital Adequacy Ratio of 16.11%.
  • The company has delivered good Profit growth of 86.978053223602% over the past 3 years.
  • The company has delivered good Income growth of 23.8336036397786% over the past 3 years.
  • Strong Advances growth of 24.6180812450732% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.772884905056043%
  • Company has a low ROE of 7.14211419249293% over the last 3 years.
  • High Cost to income ratio of 72.2218%.
  • Increase in Provision and contingencies of 43.05748044006% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 8219.21 8788.6 8956.93 9343.02 9412.94
Other Income 1642 1619.15 1727.3 1779.85 1895.41
Interest Expended 3750.34 4093.7 4169.08 4440.96 4505.78
Operating Expenses 4446.96 4431.6 4553.3 4922.97 4990.96
Total Provisions 722.31 994.4 1731.94 1337.92 1450.47
Profit Before Tax 941.6 888.05 229.91 421.02 361.14
Tax 217.25 207.4 29.22 81.59 57.06
Net Profit 724.35 680.65 200.69 339.43 304.08
Net NPA % 0.6 0.59 0.48 0.52 0.53
Gross NPA % 1.88 1.9 1.92 1.94 1.87
Return on Assets % 1.03 0.91 0.25 0.41 0.36
NPM % 8.81 7.74 2.24 3.63 3.23

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 16307.56 15967.86 17172.68 22727.54 30322.5
Other Income 1722.16 2211.33 3222.04 4466.97 6001.99
Interest Expended 10232 8587.6 7466.52 10092.21 13871.75
Operating Expenses 5860.99 7093.28 9644.45 12170.35 16215.78
Total Provisions 4315.26 2022.53 3108.58 1664.82 2381.65
Profit Before Tax -2378.52 475.78 175.17 3267.13 3855.32
Taxes 485.69 23.5 29.68 830 898.81
Net Profit -2864.21 452.28 145.49 2437.13 2956.51
Adjusted EPS (Rs.) -5.95 0.8 0.23 3.68 4.18

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 4809.9 5675.85 6217.71 6618.12 7069.92
Total Reserves 10532.7 12131.95 14769.65 19065.93 25032.46
Deposits 65107.97 88688.42 105634.36 144637.31 200576.31
Borrowings 57397.19 45786.09 52962.6 57212.09 50935.57
Other Liabilities 11352.64 10861.48 10581.16 12371.1 12441.91
Total Liabilities 149200.4 163143.88 190181.61 239941.66 296115.1
Assets
Balance with RBI 3379.92 4745.93 11389.92 10739.74 11075.02
Balance with Banks 810.86 1081.93 4367.99 3158.22 1405.19
Investments 45404.58 45411.74 46144.84 61123.55 74710.39
Advances 85595.36 100550.13 117857.8 151794.53 194592.37
Net Block 964.66 1201.15 1281.81 1876.18 2524.91
Other Assets 12971.95 10087.74 9059.84 11035.49 11712.7
Total Assets 149200.4 163143.88 190181.61 239941.66 296115.1
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 39.37 37.45 37.43 37.37 35.37
idfc financial holding co... 39.37 37.45 37.43 37.37 35.37
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 62.57 62.63 64.63 100.00 100.00
ashish dhawan - - - 1.19 1.26
gqg partners emerging mar... 1.10 2.35 2.22 2.63 1.69
hdfc life insurance compa... - - 1.55 2.35 2.37
icici prudential life ins... 1.02 1.02 1.23 1.82 2.33
investor education and pr... 0.01 - 0.01 - 0.02
kotak mahindra trustee co... - - - - 1.14
life insurance corporatio... - - - 2.76 2.76
odyssey 44 a s 3.82 3.81 3.61 3.69 3.69
president of india 3.70 3.69 3.49 9.11 9.10
president of india is an ... - - - - 9.10
tata aia life insurance c... - - - - 1.06
tata indian opportunities... - - - 1.02 1.02
tata mid cap growth fund - - - - 1.59
investor education and pr... - 0.01 - 0.02 -
tata aia life insurance c... - - - 1.09 -
tata large and mid-cap fu... - - - 1.56 -
lici health plus non unit... - - 2.68 - -
tata aia life insurance c... - - 1.07 - -
tata aia life insurance c... - 1.37 - - -
cloverdell investment ltd... 2.25 - - - -
goldman sachs trust ii - ... 1.88 - - - -

Ratings & Research Reports

Company Presentations

Company News

IDFC First Bank reports 60% fall in Q4 consolidated net profit 28 Apr, 3:30 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank - Quaterly Results 26 Apr, 4:40 PM IDFC First Bank informs about press release 17 Apr, 10:24 AM IDFC First Bank reports 23% growth in total business in Q4FY25 3 Apr, 3:20 PM IDFC First Bank informs about updates 3 Apr, 3:13 PM IDFC First Bank unveils ACE feature on mobile banking app 20 Mar, 12:22 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank - Quaterly Results 25 Jan, 5:10 PM IDFC First Bank launches UPI enabled RuPay Credit Card 22 Jan, 10:57 AM IDFC First Bank informs about disclosure 17 Jan, 3:23 PM IDFC First Bank integrates with Income Tax Portal to collect direct tax on behalf of CBDT 10 Jan, 12:59 PM IDFC First Bank reports 25% growth in total business in Q3FY25 3 Jan, 5:14 PM IDFC FIRST Bank informs about allotment of equity shares 7 Dec, 3:16 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC First Bank - Quaterly Results 26 Oct, 4:39 PM IDFC FIRST Bank informs about analysts call 23 Oct, 4:19 PM IDFC FIRST Bank informs about grant of stock options under ESOS 19 Oct, 3:31 PM IDFC FIRST Bank informs about certificate 15 Oct, 5:37 PM IDFC FIRST Bank submits BRSR 7 Aug, 5:08 PM IDFC First Bank reports 12% fall in Q1 consolidated net profit 29 Jul, 12:30 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank - Quaterly Results 27 Jul, 4:06 PM IDFC First Bank informs about grant of stock option 19 Jun, 12:28 PM IDFC First Bank informs about declaration 18 May, 11:40 AM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC First Bank - Quaterly Results 27 Apr, 4:36 PM IDFC FIRST Bank informs about analyst meet 15 Mar, 5:27 PM IDFC First Bank informs about analyst meet 7 Feb, 5:06 PM IDFC First Bank reports 19% rise in Q3 consolidated net profit 22 Jan, 11:00 AM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank - Quaterly Results 20 Jan, 4:59 PM IDFC First Bank informs about compliance certificate 12 Jan, 3:11 PM IDFC FIRST Bank, LIC Cards, Mastercard collaborate to launch co-branded credit card 15 Dec, 4:00 PM Warburg Pincus divests 1.3% stake in IDFC FIRST Bank 8 Dec, 10:13 AM IDFC First Bank launches digital RuPay credit card 7 Dec, 3:41 PM IDFC First Bank reports 32% rise in Q2 consolidated net profit 30 Oct, 10:30 AM IDFC First Bank - Quaterly Results 28 Oct, 4:24 PM IDFC First Bank - Quaterly Results 28 Oct, 4:24 PM IDFC First Bank - Quaterly Results 28 Oct, 4:24 PM CRISIL Ratings assigns rating to IDFC First Bank’s Tier-II bonds 10 Oct, 4:52 PM IDFC First Bank enters into agreement with NSDL 10 Oct, 10:21 AM IDFC First Bank informs about qualified institutions placement 7 Oct, 2:42 PM IDFC First Bank informs about disclosure 11 Sep, 2:15 PM

IDFC First Bank Stock Price Analysis and Quick Research Report. Is IDFC First 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.

IDFC First Bank stock price today is Rs 66.21. Let’s look at how IDFC First Bank is performing and if it is the right time to buy the stock of IDFC First Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. IDFC First Bank has earned Rs 30322.5012 Cr. revenue in the latest financial year. IDFC First Bank has posted outstanding revenue growth of 23.8336036397786 % in last 3 Years.

  • In terms of advances, IDFC First Bank reported 28.1946 % YOY,  rise . If you see 3 years advance growth, it stands at 24.6180812450732 %.

  • Currently, IDFC First Bank has a CASA ratio of 47.248 %. It’s overall cost of liability stands at 5.5153 %. Also, the total deposits of IDFC First Bank from these accounts stood at Rs 200576.3123 Cr.

  • IDFC First Bank has a average ROA track record. The ROA of IDFC First Bank is at 1.1031 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.88 % and 0.6 % 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 43.05748044006 % 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 IDFC First Bank surged and is currently at Rs 6001.9939 Cr.

  • IDFC First Bank has a Good Capital Adequacy Ratio of 16.11 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently IDFC First Bank is trading at a P/B of 1.2788 . The historical average PB of IDFC First Bank was 1.33789424654851.

  • Share Price: - The current share price of IDFC First Bank is Rs 66.21. One can use valuation calculators of ticker to know if IDFC First Bank share price is undervalued or overvalued.

Last Updated on:
Brief about IDFC First Bank

Current IDFC First Bank Share Price

As of 8th May 2025, 15:30:00 IST, the IDFC First Bank share price on the National Stock Exchange (NSE) was trading at Rs 66.25. This represented a decrease of -1.06% from the previous day's close. On the Bombay Stock Exchange (BSE), the IDFC Bank share price was quoted at Rs 66.45 around 15:42:52 IST on the same day, also showing a negative trend. Investors tracking the IDFC First Bank stock price today would observe this slight decline during the trading session. The bank's NSE symbol is IDFCFIRSTB, and its BSE code is 539437. For the most current, regularly updated IDFC First Bank share price, please refer to the live ticker section located above on this page. That section provides a real-time IDFCFIRSTB share price summary, including the day's high/low and the 52-week high/low.  

IDFC First Bank Share Returns Performance

The historical returns for IDFC First Bank as of early May 2025 are as follows:

  • 1 Week: +5.46%
  • 1 Month: +18.51%
  • 3 Months: +7.07%
  • 1 Year: -10.83%
  • 5 Years: +238.03%

Analyzing these figures, the IDFC First Bank returns show strong positive momentum in the short term (1 week, 1 month, and 3 months). However, the IDFC First Bank performance over the past year has been negative. In contrast, the IDFC Bank share price history over a five-year horizon indicates substantial growth and significant returns for long-term shareholders. As detailed in the interactive charts and data section above on this webpage, you can explore the IDFC First Bank share value chart and analyse its returns generated over various specific time frames, such as one week, one month, six months, one year, three years, and five years.  

Latest News Impacting IDFC First Bank Share Price

Several key recent developments have influenced the IDFC First Bank share price:

  1. Q4 FY25 Financial Results: IDFC First Bank announced its financial results for the quarter ending 31st March 2025, on 26th April 2025. The bank reported a standalone net profit of Rs 304 crore, a 58% year-on-year decline compared to Rs 724 crore in Q4 FY24. This drop was primarily attributed to increased provisions, especially for its microfinance (MFI) loan portfolio. However, Net Interest Income (NII) saw a growth of 9.8% YoY to Rs 4,907 crore. The bank’s board also proposed a dividend of Rs 0.25 per equity share. This mixed set of IDFC First Bank Q4 Results has been a key factor affecting recent IDFC First Bank share price movements.
     
  2. Stake Acquisition by Warburg Pincus: On 2nd May 2025, news emerged that private equity firm Warburg Pincus had approached the Competition Commission of India (CCI) for approval to acquire nearly a 10% stake in IDFC First Bank through preference shares. Additionally, an arm of the Abu Dhabi Investment Authority (ADIA) is also reportedly looking to acquire a significant stake. This development led to a positive rally in the IDFC First Bank stock price on the day of the announcement.  
     
  3. Analyst Recommendations: Following the Q4 results, analyst outlooks have been varied. ICICI Securities maintained a "Buy" rating (as of 30th April 2025), revising its target price upwards to Rs 80, citing expectations of peaked MFI slippages. Conversely, Centrum Broking maintained a "Reduce" call (as of 2nd May 2025) with a target of Rs 59, highlighting concerns over higher operating expenses and credit costs. These differing views also contribute to factors affecting IDFC First Bank share price.  

These pieces of IDFC First Bank News, especially the Q4 earnings and the potential large stake acquisition, are significant for the IDFC First Bank share value.

Conclusion on IDFC First Bank Stock Price

The current situation for the IDFC First Bank stock price reflects a mix of factors. While the recent Q4 FY25 profit decline due to higher provisioning has been a point of concern, the underlying growth in Net Interest Income and customer deposits remains positive. News of potential stake acquisition by prominent investors like Warburg Pincus has provided some positive sentiment. The IDFC First Bank share price outlook will likely depend on the bank's ability to manage asset quality, particularly in the MFI segment, and sustain its growth momentum in core operations. The IDFCFIRSTB stock analysis suggests a period of consolidation with key news triggers significantly influencing its direction.  

 

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