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IDFC First Bank share price

IDFC First Bank Ltd.

NSE: IDFCFIRSTB BSE: 539437 SECTOR: Bank - Private  9.9 L   5.62 K   2.02 K

77.64
+0.42 (0.54%)
BSE: 03 Jul 04:01 PM

Price Summary

Today's High

₹ 77.80

Today's Low

₹ 76.94

52 Week High

₹ 82.09

52 Week Low

₹ 52.50

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.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

56,943.71 Cr.

CASA %

47.25

No. of Shares

733.43 Cr.

P/E

37.34

P/B

1.5

Face Value

₹ 10

Div. Yield

0.32 %

Book Value (TTM)

₹  51.73

Net Interest Income

16,450.76 Cr.

Cost To Income %

72.22

Promoter Holding

0 %

EPS (TTM)

₹  2.08

CAR %

16.11

ROE

10.23 %

ROCE

9.11%

Profit Growth

21.31 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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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 Year10.23%
3 Year7.14%
5 Year1.41%

ROA%

1 Year1.1%
3 Year0.77%
5 Year0.16%

Net NPA%

1 Year0.6%
3 Year1%
5 Year1.16%

 NIM

1 Year5.84%
3 Year5.6%
5 Year5.23%

CAR %

16.11

Cost of Liabilities %

5.52

PEG Ratio

2.75

Advances Growth %

28.19

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 35.37 0.00
Jun 2024 37.37 0.00
Mar 2024 37.43 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 5.60% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 1.00%.
  • CASA stands at 47.25% of total deposits.
  • Good Capital Adequacy Ratio of 16.11%.
  • The company has delivered good Profit growth of 86.98% over the past 3 years.
  • The company has delivered good Income growth of 23.83% over the past 3 years.
  • Strong Advances growth of 24.62% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.77%
  • Company has a low ROE of 7.14% over the last 3 years.
  • High Cost to income ratio of 72.22%.
  • Increase in Provision and contingencies of 43.06% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 8,219.21 8,788.60 8,956.93 9,343.02 9,412.94
Other Income 1,642 1,619.15 1,727.30 1,779.85 1,895.41
Interest Expended 3,750.34 4,093.70 4,169.08 4,440.96 4,505.78
Operating Expenses 4,446.96 4,431.60 4,553.30 4,922.97 4,990.96
Total Provisions 722.31 994.40 1,731.94 1,337.92 1,450.47
Profit Before Tax 941.60 888.05 229.91 421.02 361.14
Tax 217.25 207.40 29.22 81.59 57.06
Net Profit 724.35 680.65 200.69 339.43 304.08
Net NPA % 0.60 0.59 0.48 0.52 0.53
Gross NPA % 1.88 1.90 1.92 1.94 1.87
Return on Assets % 1.03 0.91 0.25 0.41 0.36
NPM % 8.81 7.74 2.24 3.63 3.23

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 16,307.56 15,967.86 17,172.68 22,727.54 30,322.50
Other Income 1,722.16 2,211.33 3,222.04 4,466.97 6,001.99
Interest Expended 10,232 8,587.60 7,466.52 10,092.21 13,871.75
Operating Expenses 5,860.99 7,093.28 9,644.45 12,170.35 16,215.78
Total Provisions 4,315.26 2,022.53 3,108.58 1,664.82 2,381.65
Profit Before Tax -2,378.52 475.78 175.17 3,267.13 3,855.32
Taxes 485.69 23.50 29.68 830 898.81
Net Profit -2,864.21 452.28 145.49 2,437.13 2,956.51
Adjusted EPS (Rs.) -5.95 0.80 0.23 3.68 4.18

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 4,809.90 5,675.85 6,217.71 6,618.12 7,069.92
Total Reserves 10,532.70 12,131.95 14,769.65 19,065.93 25,032.46
Deposits 65,107.97 88,688.42 1,05,634.36 1,44,637.31 2,00,576.31
Borrowings 57,397.19 45,786.09 52,962.60 57,212.09 50,935.57
Other Liabilities 11,352.64 10,861.48 10,581.16 12,371.10 12,441.91
Total Liabilities 1,49,200.40 1,63,143.88 1,90,181.61 2,39,941.66 2,96,115.10
Assets
Balance with RBI 3,379.92 4,745.93 11,389.92 10,739.74 11,075.02
Balance with Banks 810.86 1,081.93 4,367.99 3,158.22 1,405.19
Investments 45,404.58 45,411.74 46,144.84 61,123.55 74,710.39
Advances 85,595.36 1,00,550.13 1,17,857.80 1,51,794.53 1,94,592.37
Net Block 964.66 1,201.15 1,281.81 1,876.18 2,524.91
Other Assets 12,971.95 10,087.74 9,059.84 11,035.49 11,712.70
Total Assets 1,49,200.40 1,63,143.88 1,90,181.61 2,39,941.66 2,96,115.10
* 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 Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 62.57 62.63 64.63 100.00 100.00
ashish dhawan - - - 1.19 1.26
gqg partners emerging mar... 1.10 2.35 2.22 2.63 1.69
hdfc life insurance compa... - - 1.55 2.35 2.37
icici prudential life ins... 1.02 1.02 1.23 1.82 2.33
investor education and pr... 0.01 - 0.01 - 0.02
kotak mahindra trustee co... - - - - 1.14
life insurance corporatio... - - - 2.76 2.76
odyssey 44 a s 3.82 3.81 3.61 3.69 3.69
president of india 3.70 3.69 3.49 9.11 9.10
president of india is an ... - - - - 9.10
tata aia life insurance c... - - - - 1.06
tata indian opportunities... - - - 1.02 1.02
tata mid cap growth fund - - - - 1.59
investor education and pr... - 0.01 - 0.02 -
tata aia life insurance c... - - - 1.09 -
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 - - -
cloverdell investment ltd... 2.25 - - - -
goldman sachs trust ii - ... 1.88 - - - -

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Company News

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 77.66. 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 30,322.50 Cr. revenue in the latest financial year. IDFC First Bank has posted outstanding revenue growth of 23.83 % in last 3 Years.

  • In terms of advances, IDFC First Bank reported 28.19 % YOY,  rise . If you see 3 years advance growth, it stands at 24.62 %.

  • Currently, IDFC First Bank has a CASA ratio of 47.25 %. It’s overall cost of liability stands at 5.52 %. Also, the total deposits of IDFC First Bank from these accounts stood at Rs 2,00,576.31 Cr.

  • IDFC First Bank has a average ROA track record. The ROA of IDFC First Bank is at 1.10 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.88 % and 0.60 % 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 43.06 % 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 6,001.99 Cr.

  • IDFC First Bank has a Good Capital Adequacy Ratio of 16.11 .

  • 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 1.50 . The historical average PB of IDFC First Bank was 1.34.

  • Share Price: - The current share price of IDFC First Bank is Rs 77.66. 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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