Fedbank Financial Services Limited FEDFINA NSEFINANCIAL

Financial Services · Credit Services · India

https://www.fedfina.com

Fedbank Financial Services Limited, a non-banking finance company (NBFC), provides financing services to individuals and businesses in India. The company operates through three segments: Distribution, Retail Finance, and Wholesale Finance. The company offers housing, personal car, personal, home equity mortgage, gold, SME, business, unsecured business, mortgage, and retail loans. It also provides loans against property and retail asset products; construction finance to developers; and loans to other NBFCs. In addition, the company provides insurance products. Fedbank Financial Services Limited was incorporated in 1995 and is based in Mumbai, India. Fedbank Financial Services Limited is a subsidiary of The Federal Bank Limited.

Market & Price

Market Cap

₹6,052.42 Cr

Current Price

₹161.69

High / Low (52W)

₹176.39 / ₹95.04

Beta

0.60

Valuation

Stock P/E

17.73

Industry PE

19.12

Forward P/E

10.18

PEG Ratio

Book Value

₹78.30

Price to Book

2.07

P/S

4.91

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

3.29%

ROE

12.55%

ROA

2.28%

Profit Margin

27.89%

Op Margin

38.53%

EPS (Latest Qtr)

₹2.69

EPS (TTM)

₹9.12

Balance Sheet & Liquidity

Debt/Equity

4.67

Quick Ratio

424.37

Current Ratio

424.37

Debt

₹13,674.87 Cr

Total Assets

₹16,874.78 Cr

Current Assets

₹15,956.48 Cr

Working Capital

₹15,947.38 Cr

Ownership

Promoter Holding

69.15%

Chg in Prom Hold

FII / Inst Holding

14.09%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹18,111.54 Cr

Total Revenue (TTM)

₹1,232.02 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-1,664.16 Cr

Shares Outstanding

₹37.43 Cr

Gross Margin

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

24.20%

Profit 5Y

24.02%

Revenue (YoY)

18.60%

Earnings (YoY)

38.50%

PROS

Excellent profit margin of 27.9%.
Compounding revenue at 24.2% over 5 years.
Profit CAGR of 24.0% 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

Period: Metric:

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).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FEDFINA Fedbank Financial Services Limited NSEFINANCIAL	161.69	17.73	₹6,052.42 Cr	-	3.29%	12.55%	24.20%	24.02%
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%

Quarterly Results

Figures in INR.

Metric	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	523.59 Cr	531.78 Cr	511.29 Cr	-	550.79 Cr	613.39 Cr
Cost of Revenue	319.46 Cr	324.22 Cr	310.49 Cr	-	323.57 Cr	370.34 Cr
Gross Profit	204.13 Cr	207.56 Cr	200.80 Cr	-	227.22 Cr	243.05 Cr
Operating Expenses	-	82.07 Cr	81.69 Cr	78.35 Cr	82.89 Cr	84.35 Cr
Operating Income	-	125.49 Cr	119.11 Cr	133.29 Cr	144.33 Cr	158.70 Cr
EBITDA	-	138.74 Cr	131.48 Cr	146.35 Cr	158.38 Cr	173.69 Cr
Interest Expense	-	-	-	-	-	-
Pretax Income	25.04 Cr	98.65 Cr	100.35 Cr	-	118.29 Cr	134.90 Cr
Tax Provision	6.28 Cr	27.00 Cr	25.34 Cr	-	30.38 Cr	34.37 Cr
Net Income	18.76 Cr	71.65 Cr	75.01 Cr	-	87.91 Cr	100.53 Cr
Diluted EPS	0.50	1.92	2.01	-	2.33	2.69

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	1,151.23 Cr	1,522.48 Cr	2,036.29 Cr	2,205.76 Cr
Cost of Revenue	-	699.93 Cr	975.51 Cr	1,262.58 Cr	1,323.05 Cr
Gross Profit	-	451.30 Cr	546.97 Cr	773.71 Cr	882.71 Cr
Operating Expenses	-	189.65 Cr	245.85 Cr	297.13 Cr	327.28 Cr
Operating Income	-	261.65 Cr	301.12 Cr	476.58 Cr	555.43 Cr
EBITDA	-	294.32 Cr	374.83 Cr	525.43 Cr	609.90 Cr
Interest Expense	9.01 Cr	9.43 Cr	9.40 Cr	12.04 Cr	-
Pretax Income	-	243.02 Cr	328.08 Cr	303.75 Cr	461.01 Cr
Tax Provision	-	62.89 Cr	83.38 Cr	78.57 Cr	117.41 Cr
Net Income	-	180.13 Cr	244.70 Cr	225.18 Cr	343.60 Cr
Diluted EPS	3.21	5.58	7.12	6.04	-

Compounded Sales Growth

5 Years:	24.20%
1 Year:	18.60%

Compounded Profit Growth

5 Years:	24.02%
1 Year:	38.50%

Stock Price Performance

1 Year:	+70.13%
6 Months:	+12.80%
3 Months:	+20.48%
1 Month:	+8.70%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	9,070.99 Cr	11,137.84 Cr	13,249.70 Cr	16,874.78 Cr
Current Assets	-	4,837.74 Cr	5,880.28 Cr	7,251.79 Cr	15,956.48 Cr
Cash & Equivalents	-	93.96 Cr	185.54 Cr	724.60 Cr	1,339.73 Cr
Inventory	-	-	-	-	-
Receivables	-	6.68 Cr	29.62 Cr	15.90 Cr	7.27 Cr
Total Liabilities	-	7,715.31 Cr	8,877.00 Cr	10,702.34 Cr	13,948.68 Cr
Current Liabilities	-	3,081.14 Cr	3,679.49 Cr	4,175.16 Cr	9.10 Cr
Long Term Debt	-	4,518.74 Cr	5,086.94 Cr	6,378.46 Cr	12,567.78 Cr
Total Debt	-	7,269.87 Cr	8,340.18 Cr	10,437.20 Cr	12,758.52 Cr
Total Equity	-	1,355.68 Cr	2,260.84 Cr	2,547.36 Cr	2,926.10 Cr
Shares Outstanding	-	36.41 Cr	36.94 Cr	37.27 Cr	37.42 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-1,474.00 Cr	-775.52 Cr	-977.52 Cr	-1,664.16 Cr
Investing Cash Flow	-	-129.52 Cr	-100.09 Cr	329.16 Cr	-30.60 Cr
Financing Cash Flow	-	1,631.52 Cr	967.19 Cr	1,187.42 Cr	2,309.89 Cr
Capital Expenditure	-	-15.09 Cr	-13.72 Cr	-18.95 Cr	-30.01 Cr
Free Cash Flow	-	-1,489.09 Cr	-789.24 Cr	-996.47 Cr	-1,694.17 Cr
Net Change in Cash	-	28.00 Cr	91.58 Cr	539.06 Cr	615.13 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	39.2%	35.9%	38.0%	40.0%
Operating Margin %	-	22.7%	19.8%	23.4%	25.2%
Net Margin %	-	15.6%	16.1%	11.1%	15.6%
ROE %	-	13.3%	10.8%	8.8%	11.7%
ROCE %	-	4.4%	4.0%	5.3%	3.3%

Shareholding Pattern

Insiders

69.15%

Institutions

14.09%

Public Float

45.69%

Analyst View

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FEDFINA · Financial Services