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The Federal Bank Limited FEDERALBNK NIFTY_MIDNSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.federal.bank.in
Company Profile ↓
₹330.45
+57.57% 1Y
Mkt Cap₹81,432.21 Cr
P/E18.90
P/B2.05
Div. Yield0.36%
52W High₹332.50
52W Low₹189.90
Book Value₹162.49
EPS (TTM)₹17.48

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 17.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 18.9, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 26.3%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹16,500.86 Cr (+14.6% YoY); net profit ₹4,345.30 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +14.6%, earnings +4.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 17.1%, profit CAGR 11.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:17.09%
1 Year:14.60%

Compounded Profit Growth

5 Years:11.15%
1 Year:4.48%

Stock Price Performance

1 Year:+57.57%
6 Months:+29.44%
3 Months:+16.19%
1 Month:+4.21%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Banking / AI in Retail
Core Focus

Federal Bank has aggressive digital + AI strategy. NRI banking (Lulu Exchange partnership), AI-driven credit cards, and Federal Manch fintech-as-a-service platform.

Key Initiatives
  • AI in digital lending & risk Federal Bank uses ML for credit scoring, fraud detection and collections, supporting growth in retail and SME lending with controlled credit costs.
  • Digital banking & fintech partnerships AI-driven personalisation and co-lending fintech tie-ups widen reach and lower acquisition cost.
  • Operations automation AI/RPA reduces cost-to-serve across onboarding, KYC and back-office processes.
Why Investors Should Care
  • Well-run mid-size private bank using AI to scale digital lending efficiently.
  • Steady ~21% five-year profit CAGR with improving return profile at an undemanding P/E ~18.
  • Fintech partnerships extend AI-enabled distribution beyond branches.
  • Returns (ROA ~1.1%) still trail larger private peers.
AI InvestmentDigital + AI capability buildup; partnerships with multiple fintech AI providers.
AI RevenueNII ~₹10,000 Cr; fee income growing on digital + AI cross-sell.
ROI (Now)ROE ~14%, ROA ~1.3%. Steady growth.
ROI (Expected)Digital-first + AI strategy expected to sustain mid-teens earnings growth.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 26.3%.
  • Compounding revenue at 17.1% over 5 years.
  • Profit CAGR of 11.1% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
18.90
Industry PE
19.81
Forward P/E
13.92
PEG Ratio
-
Book Value
₹162.49
Price to Book
2.05
P/S
5.64
EV/EBITDA
-
Dividend Yield
0.36%

Growth (CAGR)

Revenue 5Y
17.09%
Profit 5Y
11.15%
Revenue (YoY)
14.60%
Earnings (YoY)
4.48%

Profitability & Returns

ROCE
-
ROE
10.85%
ROA
1.08%
Profit Margin
26.33%
Op Margin
43.17%
Gross Margin
0.00%
EPS (Latest Qtr)
₹5.38
EPS (TTM)
₹17.48

Balance Sheet & Liquidity

Debt/Equity
0.83
Quick Ratio
-
Current Ratio
-
Debt
₹33,193.25 Cr
Total Assets
₹4.02 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
9.66%
Chg in Prom Hold
-0.00%
FII / Inst Holding
57.99%
Chg in FII Hold
0.05%

Financial Snapshot

Enterprise Value
₹81,432.21 Cr
Total Revenue (TTM)
₹16,500.86 Cr
EBITDA
-
Free Cash Flow
₹4,040.90 Cr
Operating Cash Flow
₹4,349.11 Cr
Shares Outstanding
₹246.43 Cr
Gross Margin
0.00%
Payout Ratio
6.86%

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 330.45 18.90 ₹81,432.21 Cr 0.36% - 10.85% 17.09% 11.15%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 5,012.00 Cr5,350.00 Cr5,791.00 Cr6,085.00 Cr6,339.00 Cr6,728.00 Cr7,006.00 Cr3,626.20 Cr3,698.82 Cr3,775.71 Cr7,216.00 Cr4,102.35 Cr4,730.81 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 1,574.00 Cr1,634.00 Cr1,661.00 Cr1,814.00 Cr1,917.00 Cr2,048.00 Cr2,149.00 Cr1,961.99 Cr2,102.41 Cr2,068.67 Cr2,519.00 Cr2,220.40 Cr2,255.57 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 2,938.00 Cr3,255.00 Cr3,544.00 Cr3,760.00 Cr3,936.00 Cr4,212.00 Cr4,393.00 Cr4,569.82 Cr4,456.47 Cr4,539.62 Cr4,429.00 Cr4,400.81 Cr4,401.66 Cr
Pretax Income 1,269.00 Cr1,202.00 Cr1,343.00 Cr1,420.00 Cr1,296.00 Cr1,404.00 Cr1,473.00 Cr1,276.85 Cr1,433.59 Cr1,269.83 Cr1,373.00 Cr1,507.48 Cr1,713.57 Cr
Tax Provision 329.94 Cr312.52 Cr349.18 Cr355.00 Cr324.00 Cr365.04 Cr368.25 Cr328.15 Cr325.28 Cr323.06 Cr356.98 Cr383.55 Cr320.32 Cr
Net Income 964.00 Cr894.00 Cr1,007.00 Cr1,067.00 Cr996.00 Cr1,047.00 Cr1,115.00 Cr944.15 Cr1,090.94 Cr918.32 Cr1,023.00 Cr1,094.07 Cr1,340.97 Cr
Diluted EPS 4.514.164.234.263.994.204.473.814.403.704.034.405.38

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 7,488.00 Cr7,826.00 Cr8,783.00 Cr9,915.00 Cr11,635.00 Cr13,590.00 Cr14,314.00 Cr-10,278.63 Cr12,130.07 Cr14,398.98 Cr16,500.86 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,701.00 Cr2,529.00 Cr2,749.00 Cr3,331.00 Cr3,572.00 Cr4,608.00 Cr5,527.00 Cr-5,211.21 Cr6,766.70 Cr7,891.95 Cr8,666.64 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 5,056.00 Cr5,259.00 Cr5,653.00 Cr6,226.00 Cr7,316.00 Cr8,678.00 Cr8,435.00 Cr-9,975.24 Cr14,494.67 Cr17,631.27 Cr17,771.56 Cr
Pretax Income 1,530.00 Cr739.00 Cr1,342.00 Cr1,393.00 Cr1,960.00 Cr2,060.00 Cr2,209.00 Cr-4,262.94 Cr5,297.50 Cr5,587.83 Cr5,863.43 Cr
Tax Provision 520.20 Cr251.26 Cr483.12 Cr487.55 Cr686.00 Cr515.00 Cr552.25 Cr-1,087.18 Cr1,333.47 Cr1,386.34 Cr1,380.05 Cr
Net Income 1,058.00 Cr486.00 Cr867.00 Cr935.00 Cr1,318.00 Cr1,590.00 Cr1,680.00 Cr-3,164.72 Cr3,880.43 Cr4,158.85 Cr4,345.30 Cr
Diluted EPS 6.172.835.034.746.637.938.34-14.8516.5516.8017.48

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 82,909.00 Cr94,706.00 Cr1.15 L Cr1.39 L Cr1.61 L Cr1.83 L Cr2.05 L Cr-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 7,700.00 Cr8,064.00 Cr8,952.00 Cr12,274.00 Cr13,498.00 Cr14,823.00 Cr16,504.00 Cr-22,122.41 Cr30,105.35 Cr34,538.32 Cr40,043.01 Cr
Shares Outstanding --------211.62 Cr243.54 Cr245.58 Cr246.43 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 5,158.00 Cr-1,557.00 Cr3,431.00 Cr-5,051.00 Cr7,873.00 Cr3,731.00 Cr11,179.00 Cr-489.30 Cr6,431.17 Cr8,800.92 Cr4,349.11 Cr
Investing Cash Flow -1,364.00 Cr1,990.00 Cr-2,384.00 Cr-1,579.00 Cr-3,378.00 Cr-4,688.00 Cr-3,913.00 Cr--9,843.74 Cr-8,908.36 Cr-3,794.30 Cr-11,109.04 Cr
Financing Cash Flow -3,544.00 Cr205.00 Cr985.00 Cr8,371.00 Cr-3,637.00 Cr3,661.00 Cr-208.00 Cr-6,038.13 Cr3,870.88 Cr7,400.97 Cr2,069.26 Cr
Capital Expenditure -119.00 Cr-160.00 Cr-93.00 Cr-94.00 Cr-123.00 Cr-146.00 Cr-126.00 Cr--484.02 Cr-327.92 Cr-754.65 Cr-308.21 Cr
Free Cash Flow 5,039.00 Cr-1,717.00 Cr3,338.00 Cr-5,145.00 Cr7,750.00 Cr3,585.00 Cr11,053.00 Cr-5.28 Cr6,103.25 Cr8,046.27 Cr4,040.90 Cr
Net Change in Cash 250.00 Cr639.00 Cr2,032.00 Cr1,741.00 Cr858.00 Cr2,704.00 Cr7,058.00 Cr--3,316.32 Cr1,393.69 Cr12,407.59 Cr-4,690.67 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 14.1%6.2%9.9%9.4%11.3%11.7%11.7%-30.8%32.0%28.9%26.3%
ROE % 13.7%6.0%9.7%7.6%9.8%10.7%10.2%-14.3%12.9%12.0%10.9%
ROCE % ------------

Shareholding Pattern

Insiders
9.66%
Institutions
57.99%
Public Float
64.19%

Analyst View

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Latest News

Recent headlines for FEDERALBNK

Google News Sun, 14 Jun 2026

Federal Bank (NSEI:FEDERALBNK) Stock Sees Split Analyst Revisions On Valuation Inputs - Yahoo Finance

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Google News Sat, 04 Jul 2026

Federal Bank Allots Equity Shares Under Multiple Employee Stock Schemes - The Globe and Mail

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Google News Mon, 13 Jul 2026

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Google News Fri, 10 Jul 2026

FEDERALBNK Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

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Google News Sun, 02 Nov 2025

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Google News Wed, 29 Apr 2026

The Federal Bank Limited Recommends Final Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com

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FEDERALBNK — Frequently Asked Questions

What is the current share price of The Federal Bank Limited (FEDERALBNK)?

As of 2026-07-15 09:52 IST, The Federal Bank Limited (FEDERALBNK) trades at ₹330.45 on NSE. Its 52-week range is ₹189.90 to ₹332.50.

What is the market capitalisation of FEDERALBNK?

The Federal Bank Limited (FEDERALBNK) has a market capitalisation of ₹81,432.21 Cr on NSE.

What is the P/E ratio of FEDERALBNK?

FEDERALBNK trades at a trailing price-to-earnings (P/E) ratio of 18.90. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.05.

Does FEDERALBNK pay a dividend?

The Federal Bank Limited (FEDERALBNK) currently offers a dividend yield of 0.36%.

What is the return on equity (ROE) of FEDERALBNK?

FEDERALBNK has a return on equity (ROE) of 10.85%.

Is FEDERALBNK a good stock to buy?

This page provides a data-driven analysis of The Federal Bank Limited (FEDERALBNK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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