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IDFC First Bank Limited IDFCFIRSTB NIFTY_MIDNSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.idfcfirst.bank.in
Company Profile ↓
₹80.03
+4.78% 1Y
Mkt Cap₹68,839.40 Cr
P/E42.57
P/B1.48
Div. Yield0.31%
52W High₹86.07
52W Low₹58.85
Book Value₹55.11
EPS (TTM)₹1.88

Company Overview

IDFC First Bank Limited provides various banking and financial services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments. The company offers treasury and forex solutions, including correspondent banking, FX, cross-border swift, government bonds and strips, liberalized remittance scheme, and external commercial borrowing solutions, as well as treasury solutions comprising forwards, options, and swaps. It also provides retail lending solutions, such as home loans, vehicle loans, consumer loans, education loans, personal loans, used car loans, gold loans, rural finance, and tractor finance; SME lending solutions that consist of loan against property, business banking, working capital loans, commercial vehicle loans, micro enterprise loans, trade advance, and startup banking; CASA and fixed deposits, which include current accounts, savings accounts, fixed deposits, nostro/vostro accounts, overdrafts, corporate salary accounts, accounts for ONDC, and escrow account; and NRI Banking that comprises NRE accounts, NRO accounts, seafarer accounts, FCNR deposits, and NRE/NRO deposits. In addition, the company offers wealth management and distribution solutions, including distribution of life insurance, general insurance, credit shield, health insurance, mutual funds, and AIFs; credit cards; and FASTag, such as tag issuer, toll acquirer, toll, parking, and fuel solutions. Further, it provides trade finance solutions that consist of letters of credit and discounting, bank guarantee, buyer's credit/SBLC, parking credit in foreign currency and INR, remittances, and pre and post shipment finance; supply chain financing; and transaction banking and CMS solutions. The company was formerly known as IDFC Bank Limited and changed its name to IDFC First Bank Limited in January 2019. IDFC First Bank Limited was founded in 1997 and is headquartered in Mumbai, India.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 19.2% CAGR over the past five years.

Healthy Margins

Operating margin of 33.4% supports profitability.

Positive Free Cash Flow

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

Recent Developments

  • Mar 2026 Revenue of ₹29,089.34 Cr (+10.7% YoY); net profit ₹1,610.56 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +10.7%, earnings +8.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 19.2%, profit CAGR -13.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:19.16%
1 Year:10.73%

Compounded Profit Growth

5 Years:-13.46%
1 Year:8.07%

Stock Price Performance

1 Year:+4.78%
6 Months:-5.59%
3 Months:+16.78%
1 Month:+3.26%

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

Technical Snapshot Bullish
52-Week Range 78% of range
₹58.85 ₹86.07
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.96 · Neutral
Price Performance
1M+3.26%
3M+16.78%
6M-5.59%
1Y+4.78%
Valuation vs Sector

P/E of 42.57 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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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

  • Compounding revenue at 19.2% over 5 years.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -13.5% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
42.57
Industry PE
19.81
Forward P/E
12.47
PEG Ratio
-
Book Value
₹55.11
Price to Book
1.48
P/S
22.93
EV/EBITDA
-
Dividend Yield
0.31%

Growth (CAGR)

Revenue 5Y
19.16%
Profit 5Y
-13.46%
Revenue (YoY)
10.73%
Earnings (YoY)
8.07%

Profitability & Returns

ROCE
-
ROE
3.40%
ROA
0.40%
Profit Margin
5.54%
Op Margin
33.40%
Gross Margin
0.00%
EPS (Latest Qtr)
₹0.38
EPS (TTM)
₹1.88

Balance Sheet & Liquidity

Debt/Equity
0.77
Quick Ratio
-
Current Ratio
-
Debt
₹36,632.64 Cr
Total Assets
₹4.00 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
12.88%
Chg in Prom Hold
-1.07%
FII / Inst Holding
33.77%
Chg in FII Hold
-0.03%

Financial Snapshot

Enterprise Value
₹68,839.40 Cr
Total Revenue (TTM)
₹29,089.34 Cr
EBITDA
-
Free Cash Flow
₹6,039.24 Cr
Operating Cash Flow
₹6,816.64 Cr
Shares Outstanding
₹860.17 Cr
Gross Margin
0.00%
Payout Ratio
13.30%

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 IDFCFIRSTB IDFC First Bank Limited NIFTY_MIDNSEFINANCIAL 80.03 42.57 ₹68,839.40 Cr 0.31% - 3.40% 19.16% -13.46%
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 6,424.00 Cr6,869.00 Cr7,356.00 Cr7,880.00 Cr8,220.00 Cr8,789.00 Cr8,957.00 Cr6,682.37 Cr6,803.09 Cr7,160.02 Cr9,937.00 Cr7,617.54 Cr7,307.47 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 3,901.00 Cr4,114.00 Cr4,377.00 Cr4,874.00 Cr5,164.00 Cr5,417.00 Cr6,270.00 Cr4,922.29 Cr5,008.30 Cr4,929.75 Cr6,581.00 Cr5,608.08 Cr6,237.25 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 2,827.00 Cr3,122.00 Cr3,406.00 Cr3,592.00 Cr3,750.00 Cr4,093.00 Cr4,169.00 Cr4,440.49 Cr4,505.33 Cr4,709.00 Cr4,824.00 Cr4,924.45 Cr4,875.50 Cr
Pretax Income 1,094.00 Cr996.00 Cr983.00 Cr930.00 Cr948.00 Cr853.00 Cr245.00 Cr422.16 Cr344.32 Cr571.15 Cr424.00 Cr611.15 Cr200.99 Cr
Tax Provision 273.50 Cr268.92 Cr235.92 Cr195.30 Cr218.04 Cr213.25 Cr34.30 Cr81.99 Cr48.72 Cr117.68 Cr76.32 Cr132.50 Cr-129.65 Cr
Net Income 816.00 Cr732.00 Cr747.00 Cr732.00 Cr732.00 Cr643.00 Cr212.00 Cr340.17 Cr295.60 Cr453.47 Cr348.00 Cr478.65 Cr330.64 Cr
Diluted EPS 1.231.101.111.041.040.910.280.460.400.610.470.540.38

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 8,578.00 Cr9,098.00 Cr12,204.00 Cr16,240.00 Cr15,968.00 Cr-17,192.78 Cr22,479.69 Cr26,270.50 Cr29,089.34 Cr
Cost of Revenue ----------
Gross Profit ----------
Operating Expenses 1,432.00 Cr1,789.00 Cr4,702.00 Cr9,760.00 Cr8,733.00 Cr-11,585.67 Cr16,024.78 Cr18,891.60 Cr21,903.80 Cr
Operating Income ----------
EBITDA ----------
Interest Expense 6,515.00 Cr7,126.00 Cr8,743.00 Cr10,228.00 Cr8,585.00 Cr-10,090.64 Cr13,870.30 Cr17,207.80 Cr19,333.05 Cr
Pretax Income 1,514.00 Cr1,135.00 Cr-3,237.00 Cr-2,346.00 Cr519.00 Cr-3,331.40 Cr3,857.16 Cr1,864.17 Cr1,807.00 Cr
Tax Provision 454.20 Cr181.60 Cr1,327.17 Cr-492.66 Cr36.33 Cr-846.47 Cr914.81 Cr373.82 Cr196.44 Cr
Net Income 1,019.00 Cr880.00 Cr-1,908.00 Cr-2,843.00 Cr483.00 Cr-2,484.93 Cr2,942.35 Cr1,490.35 Cr1,610.56 Cr
Diluted EPS 3.002.58-3.99-5.910.85-3.924.232.031.88

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1.12 L Cr1.26 L Cr1.67 L Cr1.49 L Cr1.63 L Cr-2.40 L Cr2.96 L Cr3.44 L Cr4.00 L Cr
Current Assets ----------
Cash & Equivalents ------13,778.68 Cr12,481.16 Cr15,099.08 Cr12,766.50 Cr
Inventory ----------
Receivables -----3,476.73 Cr4,535.96 Cr5,463.06 Cr7,104.71 Cr-
Total Liabilities ------2.14 L Cr2.64 L Cr3.06 L Cr3.52 L Cr
Current Liabilities ----------
Long Term Debt ----------
Total Debt ------57,212.09 Cr43,935.73 Cr33,123.79 Cr36,632.64 Cr
Total Equity 14,677.00 Cr15,274.00 Cr18,200.00 Cr15,404.00 Cr17,900.00 Cr-25,847.55 Cr32,273.58 Cr38,155.78 Cr47,403.81 Cr
Shares Outstanding ------661.81 Cr706.99 Cr732.21 Cr860.17 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 14,128.00 Cr-5,978.00 Cr17,364.00 Cr10,966.00 Cr14,042.00 Cr-3,563.00 Cr11,542.89 Cr14,465.09 Cr6,816.64 Cr
Investing Cash Flow -4,918.00 Cr-1,027.00 Cr-494.00 Cr-3,790.00 Cr-2,833.00 Cr--11,995.74 Cr-9,886.70 Cr-3,477.79 Cr-14,143.49 Cr
Financing Cash Flow -6,974.00 Cr6,742.00 Cr-12,220.00 Cr-12,539.00 Cr-9,598.00 Cr-6,509.04 Cr-2,953.71 Cr-8,673.26 Cr4,972.12 Cr
Capital Expenditure -267.00 Cr-170.00 Cr-272.00 Cr-420.00 Cr-550.00 Cr--1,188.10 Cr-1,373.61 Cr-919.48 Cr-777.40 Cr
Free Cash Flow 13,861.00 Cr-6,148.00 Cr17,092.00 Cr10,546.00 Cr13,492.00 Cr-2,374.90 Cr10,169.28 Cr13,545.61 Cr6,039.24 Cr
Net Change in Cash 2,236.00 Cr-263.00 Cr4,649.00 Cr-5,363.00 Cr1,610.00 Cr--1,923.69 Cr-1,297.52 Cr2,314.04 Cr-2,354.73 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----------
Operating Margin % ----------
Net Margin % 11.9%9.7%-15.6%-17.5%3.0%-14.5%13.1%5.7%5.5%
ROE % 6.9%5.8%-10.5%-18.5%2.7%-9.6%9.1%3.9%3.4%
ROCE % ----------

Shareholding Pattern

Insiders
12.88%
Institutions
33.77%
Public Float
38.76%

Analyst View

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Latest News

Recent headlines for IDFCFIRSTB

Google News hu, 25 Jun 2026

IDFCFIRSTB Forecast — Price Target — Prediction for 2027 - TradingView

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Google News ue, 11 Nov 2025

Investing in IDFC First Bank (NSE:IDFCFIRSTB) five years ago would have delivered you a 142% gain - simplywall.st

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Google News Fri, 02 Jan 2026

IDFC First Bank Limited's (NSE:IDFCFIRSTB) largest shareholders are private companies with 41% ownership, institutions own 32% - webull.com.my

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Google News Mon, 23 Feb 2026

IDFC First Bank shares see mild recovery today after steep selloff prompted by fraud fallout - TradingView

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Google News Sat, 03 Jan 2026

IDFC First Bank Ltd. Share Price Today - IDFC First Bank Ltd. Stock Price Live NSE/BSE - CNBC TV18

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Google News ue, 02 Jun 2026

IDFC First Bank Ltd stock (INE092T01019): shares hover around ?71 ahead of next earnings update - Ad-hoc-news.de

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IDFCFIRSTB — Frequently Asked Questions

What is the current share price of IDFC First Bank Limited (IDFCFIRSTB)?

As of 2026-07-15 09:52 IST, IDFC First Bank Limited (IDFCFIRSTB) trades at ₹80.03 on NSE. Its 52-week range is ₹58.85 to ₹86.07.

What is the market capitalisation of IDFCFIRSTB?

IDFC First Bank Limited (IDFCFIRSTB) has a market capitalisation of ₹68,839.40 Cr on NSE.

What is the P/E ratio of IDFCFIRSTB?

IDFCFIRSTB trades at a trailing price-to-earnings (P/E) ratio of 42.57. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.48.

Does IDFCFIRSTB pay a dividend?

IDFC First Bank Limited (IDFCFIRSTB) currently offers a dividend yield of 0.31%.

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

IDFCFIRSTB has a return on equity (ROE) of 3.40%.

Is IDFCFIRSTB a good stock to buy?

This page provides a data-driven analysis of IDFC First Bank Limited (IDFCFIRSTB), 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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