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The Federal Bank Limited FEDERALBNK NIFTY_MIDNSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.federal.bank.in

The Federal Bank Limited provides a range of banking and financial services in India. The company operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. Its deposit products include savings accounts, current accounts, demat accounts, salary accounts, fixed deposits, cash certificates, recurring deposits, exchange earners' foreign currency accounts, gilt accounts, resident foreign currency (RFC) domestic and other accounts, and NRI deposit schemes. The company's loan portfolio comprises personal, gold, housing, car, property, education and career, digital personal, instant digital, SME business, and other loans; loans against sovereign gold bonds and fixed deposit; term loans, project finance, and working capital loans; and debit and credit cards. In addition, it offers life, health, and general insurance products; cash management, wealth management, and merchant banking services; sovereign gold bonds, online trading, and national pension system; treasury products, such as FX retail, forward contracts, options, and swaps; and remittance, fund transfer, payment and collection, bill discounting, bank guarantees, letter of credit, post shipment limit, LC bill discounting, packing credit loan in foreign currency, and rediscounting of export bills abroad services; and deposit locker, e-commerce, internet banking, mobile banking, and tele banking services. The Federal Bank Limited operates a network of branches and ATMs/cash recyclers. The company was formerly known as Travancore Federal Bank Limited and changed its name to The Federal Bank Limited in March 1947. The Federal Bank Limited was incorporated in 1931 and is based in Aluva, India.

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₹288.95
+44.56% 1Y

Market & Price

Market Cap
₹71,207.05 Cr
Current Price
₹288.95
High / Low (52W)
₹299.85 / ₹189.90
Beta
0.33

Valuation

Stock P/E
16.53
Industry PE
19.12
Forward P/E
12.16
PEG Ratio
-
Book Value
₹162.44
Price to Book
1.78
P/S
4.90
EV/EBITDA
-
Dividend Yield
0.42%

Profitability & Returns

ROCE
-
ROE
11.73%
ROA
1.18%
Profit Margin
29.91%
Op Margin
43.17%
EPS (Latest Qtr)
₹5.38
EPS (TTM)
₹17.48

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹33,193.25 Cr
Total Assets
₹4.02 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
9.67%
Chg in Prom Hold
-
FII / Inst Holding
59.74%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹78,591.96 Cr
Total Revenue (TTM)
₹14,530.07 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-25,658.16 Cr
Shares Outstanding
₹246.43 Cr
Gross Margin
0.00%
Payout Ratio
6.86%

Growth (CAGR)

Revenue 5Y
17.09%
Profit 5Y
11.15%
Revenue (YoY)
12.30%
Earnings (YoY)
22.20%

PROS

  • Excellent profit margin of 29.9%.
  • Compounding revenue at 17.1% over 5 years.
  • Profit CAGR of 11.1% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FEDERALBNK The Federal Bank Limited NIFTY_MIDNSEAIFINANCIAL 288.95 16.53 ₹71,207.05 Cr 0.42% - 11.73% 17.09% 11.15%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 3,626.20 Cr3,698.82 Cr3,775.71 Cr4,102.35 Cr4,730.81 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 1,961.99 Cr2,102.41 Cr2,068.67 Cr2,220.40 Cr2,255.57 Cr
Operating Income -----
EBITDA -----
Interest Expense 4,569.82 Cr4,456.47 Cr4,539.62 Cr4,400.81 Cr4,401.66 Cr
Pretax Income 1,276.85 Cr1,433.59 Cr1,269.83 Cr1,507.48 Cr1,713.57 Cr
Tax Provision 328.15 Cr325.28 Cr323.06 Cr383.55 Cr320.32 Cr
Net Income 944.15 Cr1,090.94 Cr918.32 Cr1,094.07 Cr1,340.97 Cr
Diluted EPS 3.814.403.704.405.38

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -10,278.63 Cr12,130.07 Cr14,398.98 Cr16,500.86 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -5,211.21 Cr6,766.70 Cr7,891.95 Cr8,666.64 Cr
Operating Income -----
EBITDA -----
Interest Expense -9,975.24 Cr14,494.67 Cr17,631.27 Cr17,771.56 Cr
Pretax Income -4,262.94 Cr5,297.50 Cr5,587.83 Cr5,863.43 Cr
Tax Provision -1,087.18 Cr1,333.47 Cr1,386.34 Cr1,380.05 Cr
Net Income -3,164.72 Cr3,880.43 Cr4,158.85 Cr4,345.30 Cr
Diluted EPS -14.8516.5516.8017.48

Compounded Sales Growth

5 Years:17.09%
1 Year:12.30%

Compounded Profit Growth

5 Years:11.15%
1 Year:22.20%

Stock Price Performance

1 Year:+44.56%
6 Months:+12.88%
3 Months:-2.27%
1 Month:+0.70%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -2.68 L Cr3.18 L Cr3.60 L Cr4.02 L Cr
Current Assets -----
Cash & Equivalents -31,396.37 Cr31,126.48 Cr40,840.53 Cr26,897.32 Cr
Inventory -----
Receivables 4,771.44 Cr5,849.88 Cr6,874.72 Cr7,249.80 Cr-
Total Liabilities -2.46 L Cr2.87 L Cr3.25 L Cr3.61 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -25,861.98 Cr22,308.62 Cr30,345.83 Cr33,193.25 Cr
Total Equity -22,122.41 Cr30,105.35 Cr34,538.32 Cr40,043.01 Cr
Shares Outstanding -211.62 Cr243.54 Cr245.58 Cr246.37 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -489.30 Cr6,431.17 Cr8,800.92 Cr4,349.11 Cr
Investing Cash Flow --9,843.74 Cr-8,908.36 Cr-3,794.30 Cr-11,109.04 Cr
Financing Cash Flow -6,038.13 Cr3,870.88 Cr7,400.97 Cr2,069.26 Cr
Capital Expenditure --484.02 Cr-327.92 Cr-754.65 Cr-308.21 Cr
Free Cash Flow -5.28 Cr6,103.25 Cr8,046.27 Cr4,040.90 Cr
Net Change in Cash --3,316.32 Cr1,393.69 Cr12,407.59 Cr-4,690.67 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -30.8%32.0%28.9%26.3%
ROE % -14.3%12.9%12.0%10.9%
ROCE % -----

Shareholding Pattern

Insiders
9.67%
Institutions
59.74%
Public Float
66.14%

Analyst View

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