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IDFC First Bank share price

IDFC First Bank Ltd.

NSE: IDFCFIRSTB BSE: 539437 SECTOR: Bank - Private  10.05 L   5.66 K   2.03 K

69.06
-0.60 (-0.86%)
BSE: 12 Aug 04:01 PM

Price Summary

Today's High

₹ 70.21

Today's Low

₹ 68.98

52 Week High

₹ 78.5

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.
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

56279.16 Cr.

CASA %

46.91

No. of Shares

814.93 Cr.

P/E

43.07

P/B

1.3

Face Value

₹ 10

Div. Yield

0.36 %

Book Value (TTM)

₹  53.28

Net Interest Income

19291.97 Cr.

Cost To Income %

71.82

Promoter Holding

0 %

EPS (TTM)

₹  1.6

CAR %

15.48

ROE

4.35 %

ROCE

6.38%

Profit Growth

-48.42 %

* 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 38Indices.

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 Year4.35%
3 Year8.34%
5 Year5.7%

ROA%

1 Year0.48%
3 Year0.9%
5 Year0.62%

Net NPA%

1 Year0.53%
3 Year0.66%
5 Year1.08%

 NIM

1 Year5.87%
3 Year5.76%
5 Year5.51%

CAR %

15.48

Cost of Liabilities %

5.9131

PEG Ratio

NA

Advances Growth %

19.7953

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 35.37 0.00
Jun 2024 37.37 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 5.75796666666667% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.663333333333333%.
  • CASA stands at 46.9073% of total deposits.
  • Good Capital Adequacy Ratio of 15.48%.
  • The company has delivered good Profit growth of 118.842244712061% over the past 3 years.
  • The company has delivered good Income growth of 28.5749511830641% over the past 3 years.
  • Strong Advances growth of 25.5265984149034% in the last 3 years.

 Limitations

  • High Cost to income ratio of 71.8213%.
  • Increase in Provision and contingencies of 131.550959222595% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 8788.6 8956.93 9343.02 9412.94 9642.14
Other Income 1619.15 1727.3 1779.85 1895.41 2226.83
Interest Expended 4093.7 4169.08 4440.96 4505.78 4709.06
Operating Expenses 4431.6 4553.3 4922.97 4990.96 4920.54
Total Provisions 994.4 1731.94 1337.92 1450.47 1659.12
Profit Before Tax 888.05 229.91 421.02 361.14 580.25
Tax 207.4 29.22 81.59 57.06 117.68
Net Profit 680.65 200.69 339.43 304.08 462.57
Net NPA % 0.59 0.48 0.52 0.53 0.55
Gross NPA % 1.9 1.92 1.94 1.87 1.97
Return on Assets % 0.91 0.25 0.41 0.36 0.53
NPM % 7.74 2.24 3.63 3.23 4.8

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 15967.86 17172.68 22727.54 30322.5 36501.49
Other Income 2211.33 3222.04 4466.97 6001.99 7021.72
Interest Expended 8587.6 7466.52 10092.21 13871.75 17209.52
Operating Expenses 7093.28 9644.45 12170.35 16215.78 18898.84
Total Provisions 2022.53 3108.58 1664.82 2381.65 5514.73
Profit Before Tax 475.78 175.17 3267.13 3855.32 1900.12
Taxes 23.5 29.68 830 898.81 375.27
Net Profit 452.28 145.49 2437.13 2956.51 1524.85
Adjusted EPS (Rs.) 0.8 0.23 3.68 4.18 2.08

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 5675.85 6217.71 6618.12 7069.92 7322.11
Total Reserves 12131.95 14769.65 19065.93 25032.46 30607.17
Deposits 88688.42 105634.36 144637.31 200576.31 252065.25
Borrowings 45786.09 52962.6 57212.09 50935.57 38974.84
Other Liabilities 10861.48 10581.16 12371.1 12441.91 14700.58
Total Liabilities 163143.88 190181.61 239941.66 296115.1 343818.65
Assets
Balance with RBI 4745.93 11389.92 10739.74 11075.02 14023.5
Balance with Banks 1081.93 4367.99 3158.22 1405.19 1073.86
Investments 45411.74 46144.84 61123.55 74710.39 80715.52
Advances 100550.13 117857.8 151794.53 194592.37 233112.53
Net Block 1201.15 1281.81 1876.18 2524.91 2595.53
Other Assets 10087.74 9059.84 11035.49 11712.7 12230.6
Total Assets 163143.88 190181.61 239941.66 296115.1 343818.65
* 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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 62.63 64.63 100.00 100.00 100.00
ashish dhawan - - 1.19 1.26 1.26
bandhan balanced advantag... - - - - 1.14
hdfc life insurance compa... - 1.55 2.35 2.37 2.47
icici prudential life ins... 1.02 1.23 1.82 2.33 2.48
investor education and pr... - 0.01 - 0.02 0.02
lici shareholders fund - ... - - - - 2.76
odyssey 44 a s 3.81 3.61 3.69 3.69 3.68
president of india 3.69 3.49 9.11 9.10 9.09
tata aia life insurance c... - - 1.09 - 1.06
tata arbitrage fund - - - - 1.74
tata indian opportunities... - - 1.02 1.02 1.02
gqg partners emerging mar... 2.35 2.22 2.63 1.69 -
kotak mahindra trustee co... - - - 1.14 -
life insurance corporatio... - - 2.76 2.76 -
president of india is an ... - - - 9.10 -
tata aia life insurance c... - - - 1.06 -
tata mid cap growth fund - - - 1.59 -
investor education and pr... 0.01 - 0.02 - -
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 - - - -

Annual Reports

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Annual Report 2018
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Concalls & Presentations

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Company News

IDFC First Bank - Quaterly Results 26 Jul, 3:18 PM IDFC First Bank - Quaterly Results 26 Jul, 3:18 PM IDFC First Bank - Quaterly Results 26 Jul, 3:18 PM IDFC FIRST Bank informs about grant of stock options under ESOS 16 Jul, 12:36 PM IDFC FIRST Bank informs about board meeting 27 Jun, 4:55 PM IDFC First Bank informs about grant of stock options under ESOS 24 Jun, 4:21 PM IDFC FIRST Bank informs about allotment of equity shares under ESOS 10 Jun, 2:15 PM Currant Sea Investments B.V. gets nod to acquire around 10% stake in IDFC FIRST Bank 4 Jun, 2:51 PM IDFC First Bank informs about update 20 May, 2:58 PM IDFC FIRST Bank informs about scrutinizer’s report and declaration of result of e-voting 19 May, 10:57 AM 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

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 69.06. 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 36501.4866 Cr. revenue in the latest financial year. IDFC First Bank has posted outstanding revenue growth of 28.5749511830641 % in last 3 Years.

  • In terms of advances, IDFC First Bank reported 19.7953 % YOY,  rise . If you see 3 years advance growth, it stands at 25.5265984149034 %.

  • Currently, IDFC First Bank has a CASA ratio of 46.9073 %. It’s overall cost of liability stands at 5.9131 %. Also, the total deposits of IDFC First Bank from these accounts stood at Rs 252065.2454 Cr.

  • IDFC First Bank has a average ROA track record. The ROA of IDFC First Bank is at 0.4766 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.87 % and 0.53 % 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 131.550959222595 % 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 7021.716 Cr.

  • IDFC First Bank has a Good Capital Adequacy Ratio of 15.48 .

  • 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 1.2969 . The historical average PB of IDFC First Bank was 1.4177573077584.

  • Share Price: - The current share price of IDFC First Bank is Rs 69.06. 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
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