IDFC First Bank
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IDFC First Bank share price

IDFC First Bank Ltd.

NSE: IDFCFIRSTB BSE: 539437 SECTOR: Bank - Private  882k   5k   1k

65.18
+0.80 (1.24%)
BSE: Today, 04:00 PM

Price Summary

Today's High

₹ 65.39

Today's Low

₹ 64.4

52 Week High

₹ 92.33

52 Week Low

₹ 59.24

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

₹ 47706.5 Cr.

CASA %

47.25

No. of Shares

731.92 Cr.

P/E

20.55

P/B

1.3

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  50.05

Net Interest Income

₹ 16450.76 Cr.

Cost To Income %

72.22

Promoter Holding

35.37 %

EPS (TTM)

₹  3.17

CAR %

16.11

ROE

10.23 %

ROCE

9.11%

Profit Growth

21.31 %

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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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Index Presence

The company is present in 37 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
57509
  508.150000000001 (0.891477934100982%)

BANKNIFTY

Nifty Bank
52695.75
  586.75 (1.12600510468441%)

NIFTYPTBNK

Nifty Private Bank
25559.05
  219.099999999999 (0.86464259006036%)

NIFTY500

Nifty 500
23020.85
  185 (0.810129686436012%)

NIFTYMIDCAP150

Nifty Midcap 150
21291.35
  185.399999999998 (0.878425278179829%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20172.55
  180 (0.900335374927153%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16165.35
  134.950000000001 (0.841838007785212%)

MIDCAP50

Nifty Midcap 50
16055.7
  132.150000000001 (0.829902879697064%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
16052.9
  131.65 (0.826882311376309%)

LIX 15 MIDCAP

Nifty Midcap Liquid 15
14402.55
  140.699999999999 (0.986548028481571%)

NIFTY200

Nifty 200
13825.85
  108.9 (0.793908266779431%)

NIFTYTOTALMCAP

NIFTY Total Market
12995.25
  106.450000000001 (0.825910868350821%)

NIFTYMIDSELECT

Nifty Midcap Select
12812.85
  86.5500000000011 (0.680087692416498%)

NFT500EQUAL

Nifty 500 Equal Weight
14518.18
  143.389999999999 (0.997510224497189%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
15819.86
  121.07 (0.771205933705721%)

NIFTYHOUSING

Nifty Housing
11542.69
  131.42 (1.15166848212338%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

SNXT50

Bse Sensex Next 50
84019.18
  953.199999999997 (1.14752152445561%)

MIDCAP

Bse MidCap
46982.17
  426.580000000002 (0.916280944995007%)

BSE500

Bse 500
36246.75
  289.349999999999 (0.804702230973309%)

BSE100

Bse 100
25900.6
  206.019999999997 (0.801803337513185%)

FOCMID

BSE Focused Midcap
24842.97
  246.620000000003 (1.00266909521129%)

BSEPVTBANK

Bse Private Banks Index
18601.23
  195.919999999998 (1.06447541497534%)

MIDSEL

Bse MidCap Select Index
17394.83
  147.390000000003 (0.854561604504811%)

MID150

Bse 150 MidCap Index
16164.98
  145.4 (0.907639276435468%)

200EQW

BSE 200 Equal Weight
13002.98
  111.73 (0.866711916997964%)

MSL400

Bse 400 MidSmallCap Index
12356.72
  113.09 (0.923663978738332%)

FINSER

BSE Financial Services
11729.42
  125.879999999999 (1.08484135013969%)

BSE200

Bse 200
11280.05
  86.1299999999992 (0.769435550727526%)

LMI250

Bse 250 LargeMidCap Index
10706.91
  83.7199999999993 (0.788087194147891%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1442.33
  12.3399999999999 (0.862943097504165%)

SPBSEVIP

Bse Enhanced Value Index
939.51
  12.35 (1.33202467750981%)

ESG100

Bse 100 ESG Index
406
  2.52999999999997 (0.627060252311185%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P LARGEMIDCAP

Bse LargeMidCap
10588.73
  81.9699999999993 (0.780164389402627%)

S&P MIDSMLCAP

Bse MidSmallCap
13772.27
  133.25 (0.976976351673353%)

CARBONEX

Bse Carbonex
4344.48
  15.7799999999997 (0.364543627417002%)

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.

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

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

1.52

Advances Growth %

28.1946

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 35.37 0.00
Jun 2024 37.37 0.00
Mar 2024 37.43 0.00
Dec 2023 37.45 0.00
Sep 2023 39.37 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 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 7356.17 7879.4 8219.21 8788.6 8956.93
Other Income 1429.63 1516.55 1642 1619.15 1727.3
Interest Expended 3405.98 3592.83 3750.34 4093.7 4169.08
Operating Expenses 3869.57 4240.65 4446.96 4431.6 4553.3
Total Provisions 528.36 654.81 722.31 994.4 1731.94
Profit Before Tax 981.89 907.66 941.6 888.05 229.91
Tax 230.57 191.98 217.25 207.4 29.22
Net Profit 751.32 715.68 724.35 680.65 200.69
Net NPA % 0.68 0.68 0.6 0.59 0.48
Gross NPA % 2.11 2.04 1.88 1.9 1.92
Return on Assets % 1.16 1.06 1.03 0.91 0.25
NPM % 10.21 9.08 8.81 7.74 2.24

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 Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 60.63 62.55 62.57 62.63 64.63
gqg partners emerging mar... 1.11 1.05 1.10 2.35 2.22
hdfc life insurance compa... - - - - 1.55
icici prudential life ins... 1.21 1.01 1.02 1.02 1.23
investor education and pr... - - 0.01 - 0.01
lici health plus non unit... - - - - 2.68
odyssey 44 a s 4.02 3.82 3.82 3.81 3.61
president of india 3.89 3.70 3.70 3.69 3.49
tata aia life insurance c... - - - - 1.07
investor education and pr... 0.01 0.01 - 0.01 -
tata aia life insurance c... - - - 1.37 -
cloverdell investment ltd... 2.87 2.25 2.25 - -
goldman sachs trust ii - ... 1.97 1.88 1.88 - -
dayside investment ltd 1.37 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 informs about acquisition 11 Sep, 10:59 AM GQG Partners acquires stake in IDFC First Bank 11 Sep, 9:50 AM IDFC First Bank integrates UPI QR codes with CBDC app 5 Sep, 4:42 PM Warburg Pincus divests 4.2% stake in IDFC First Bank 4 Sep, 11:20 AM IDFC First Bank reports 51% rise in Q1 consolidated net profit 31 Jul, 10:29 AM IDFC First Bank - Quaterly Results 29 Jul, 4:12 PM IDFC First Bank - Quaterly Results 29 Jul, 4:12 PM IDFC First Bank - Quaterly Results 29 Jul, 4:12 PM IDFC First Bank informs about allotment under ESOP 25 Jul, 2:42 PM IDFC FIRST Bank collaborates with Club Vistara, Mastercard 11 Jul, 5:44 PM IDFC First Bank records 25% growth in loans and advances during Q1FY24 6 Jul, 11:52 AM IDFC First Bank’s board approves amalgamation of IDFC with itself 4 Jul, 12:00 PM IDFC First Bank raises Rs 1500 crore via bonds 27 Jun, 2:45 PM IDFC First Bank informs about earnings call transcript 6 May, 3:45 PM IDFC First Bank - Quaterly Results 29 Apr, 4:41 PM IDFC First Bank - Quaterly Results 29 Apr, 4:41 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 65.2. 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 1.3022 . The historical average PB of IDFC First Bank was 1.33789424654851.

  • Share Price: - The current share price of IDFC First Bank is Rs 65.2. 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

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

IDFC First Bank Ltd. is an Indian banking institution that offers various financial services to its customers. Despite being a relatively new player in the banking industry, the bank has been successful in gaining traction in the Indian market. The bank has its roots in Infrastructure Development Finance Company, or IDFC, which was a non-banking finance company, after which it merged with Capital First Limited. If you are a long-term stock investor, this IDFC First Bank Ltd. stock analysis page will provide a comprehensive evaluation of the bank's performance.

IDFC First Bank Ltd. Share Price Analysis: 

The price of the IDFC First Bank Ltd. stock reflects market sentiment regarding the bank's financial performance and future potential. Reviewing historical trends of the stock price is an essential aspect of evaluating the bank's stock. Our pre-built screening tools allow long-term investors to review the IDFC First Bank Ltd. share price trends and set alerts based on specified price ranges. We aim to provide detailed historical stock performance and market data to aid in identifying patterns and trends, which, in turn, can assist investors in making informed decisions about future investments.

IDFC First Bank Ltd. Balance Sheet Evaluation:

Evaluating the bank's balance sheet is essential to obtain an idea about the bank's financial health. Our pre-built screening tools allow investors to examine key financial metrics, such as the debt-equity ratio and liquidity ratio, which provide an overview of the bank's financial position. For a more in-depth analysis, investors can also avail our premium feature tools, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools facilitate evaluation of the long-term viability, growth potential, and performance of IDFC First Bank Ltd.

IDFC First Bank Ltd. Annual Report Insights: 

The annual report of the IDFC First Bank Ltd. offers valuable information to investors seeking in-depth insights into the bank's performance and future potential. The report provides an overview of the bank's business strategy, competitive landscape, and management outlook. Downloadable annual reports from our website, along with in-house expert reviews, provide investors with a comprehensive understanding of the bank's performance.

IDFC First Bank Ltd. Dividend Analysis: 

Dividend payouts are a crucial aspect of evaluating the bank's financial stability and potential returns. The bank's dividend policies and payouts can provide insights into the bank's profitability. Using our pre-built screening tools, investors can analyze IDFC First Bank Ltd.'s dividend payouts to gain a better understanding of the bank's financial stability and growth potential for long-term investments.

IDFC First Bank Ltd. Quarterly Results Review: 

Reviewing the bank's quarterly results is essential for investors to monitor its short-term financial performance and growth. Our website provides downloadable quarterly results to facilitate an evaluation of the bank's recent performance and trends. By identifying significant patterns and trends, investors can assess the bank's financial performance and make informed decisions based on the most recent evaluations.

IDFC First Bank Ltd. Stock Price Trends: 

Analyzing the stock price trends of IDFC First Bank Ltd. is crucial to identify patterns and market sentiment. Our pre-built screening tools can track stock price trends and analyze market trends to identify potential buying and selling opportunities. Investors can also identify short-term and long-term trends using price charts, enabling them to make better-informed investment decisions. The analysis of historical stock price movements helps in evaluating the long-term growth potential and viability of IDFC First Bank Ltd.

IDFC First Bank Ltd. News Updates: 

Staying updated on the latest news regarding IDFC First Bank Ltd. is necessary for long-term investors. Our website provides a comprehensive collection of news articles from various reliable sources. In-depth analysis of news articles helps investors gain valuable insights into the bank's trends. The news updates, when combined with other analytical tools we offer, enable a comprehensive evaluation of the bank and its outlook.

IDFC First Bank Ltd. Conference Calls:

IDFC First Bank Ltd. conducts conference calls regularly with analysts and investors, providing insights into the bank's operations, financial performance, and future plans. On our website, you can find information regarding upcoming conference calls. Accessing these conference calls helps investors gain valuable insights into the bank's growth.

IDFC First Bank Ltd. Transcripts: 

Accessing transcripts from IDFC First Bank Ltd.'s conference calls is crucial to review significant discussions. Downloadable transcripts available on our website provide in-depth analysis of operating results, financial performance, future plans, and potential market trends. Reviewing these transcripts enables investors to gain valuable insights into the bank's strategies, financial position, and long-term potential.

IDFC First Bank Ltd. Investor Presentations: 

IDFC First Bank Ltd.'s investor presentations offer detailed information about the bank's financial performance, strategic initiatives, and future plans. Our platform, coupled with our premium feature tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, provides investors with necessary tools to conduct comprehensive stock analysis and make well-informed decisions.

IDFC First Bank Ltd. Promoters and Shareholders: 

Assessing the holdings of IDFC First Bank Ltd.'s promoters and analyzing the shareholder base is crucial to evaluate the bank's strength, growth potential, and long-term viability. Our pre-built screening tools allow investors to evaluate promoter holdings and analyze the company's ownership structure. Understanding the composition of the shareholder base helps investors assess the bank's stability and growth potential.

IDFC First Bank Limited ROCE

The Return on Capital Employed (ROCE) for IDFC First Bank Limited measures how efficiently the company utilizes its capital to generate profits. This ratio indicates the profitability of the company's investments. You can find the ROCE data in the financials table or ratio section on this page. By analyzing the ROCE, investors can assess the bank's ability to generate returns on its capital investments and make informed investment decisions.

IDFC First Bank Limited EBITDA

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure of a company's operating performance and profitability. The EBITDA of IDFC First Bank Limited can be found in the financials table or ratio section on this page. This metric helps investors evaluate the bank's profitability without considering the impact of interest expenses, taxes, and non-cash expenses. By analyzing the EBITDA, investors gain insights into the bank's operational efficiency and financial health.

IDFC First Bank Limited DPS

DPS refers to Dividends Per Share and represents the portion of a company's profits distributed to shareholders in the form of dividends. The DPS for IDFC First Bank Limited can be found in the financials table or ratio section on this page. By analyzing the DPS, investors can assess the bank's dividend-paying ability and determine the potential income from their investment. This information helps investors make informed decisions regarding the bank's stock and dividend income.

IDFC First Bank Limited EPS

EPS, or Earnings Per Share, is a crucial financial metric that indicates the profitability of a company. It is calculated by dividing the company's net earnings by the number of outstanding shares. The EPS of IDFC First Bank Limited can be found in the financials table or ratio section on this page. By analyzing the EPS, investors can evaluate the bank's profitability on a per-share basis, compare it to competitors, and assess the bank's growth potential. This information helps investors make informed investment decisions.

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