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Fedbank Financial Services Ltd

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fedfina.comBSE: 544027NSE: FEDFINA
Market Cap₹ 5,940 Cr.
Current Price
High / Low₹ 178 / 119
Stock P/E15.5
Book Value₹ 81
Price to Book1.21
Dividend Yield0.00 %
ROCE9.9 %
ROE9.4 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2024 • Retail Finance: 97.5% • Distribution: 2.4% • Whole Sale Finance: 0.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 41.9% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 21.9%
  • Solid return on assets for a lender - ROA of 1.8%
  • Asset quality is healthy - gross NPA of just 2.0%
  • Latest quarter profit grew 52.5% YoY, showing strong momentum
  • Company has delivered good sales growth of 35.2% CAGR over last 5 years

CONS

  • Company has a low return on capital employed of 10.1%
  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 15.9%
  • Thin net interest margin of 0.0%
  • Operating margins have contracted to 57.1% from 60.2%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY MICROCAP250NIFTY TOTAL MKT
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.FEDFINA158.3515.515939.700.00114.3852.49669.9329.689.9465.69
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
361395413408477518530536517535555616670
124144156154184207273210187202215228517
Operating Profit238251257253293312257327330334340388440
OPM %65.81%63.47%62.23%62.20%61.46%60.13%48.47%60.89%63.89%62.34%61.19%62.99%65.69%
Other Income6316201412111110
Interest164167176173202214221216218214208239273
Depreciation99109111213131213141514
7277889194862599100107118135153
Tax %25.23%25.35%25.51%25.53%24.99%25.31%25.08%27.37%25.25%25.42%25.68%25.48%25.48%
Net Profit5458656870651972758088101114
2222220222230

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
881331972554506928691,1791,5772,0362,377
424970961902813604635888731,162
Operating Profit46831271592604115097169901,1621,215
OPM %51.75%62.88%64.49%62.38%57.70%59.45%58.58%60.75%62.75%57.10%51.11%
1214176144155443
Interest254877112201313348472680854934
Depreciation322219273742374956
Profit before Tax193549495677139243328304514
Tax %35.03%36.50%37.58%28.92%30.11%19.82%25.68%25.88%25.41%25.87%25.51%
Net Profit122331353962103180245225383
EPS0.641.191.621.711.602.183.315.596.626.04—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
39%
5 Years:
35%
3 Years:
33%

COMPOUNDED PROFIT GROWTH

10 Years:
43%
5 Years:
42%
3 Years:
30%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
4%

RETURN ON EQUITY

10 Years:
10%
5 Years:
11%
3 Years:
13%
Last Year:
9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital190190190230273290322322369373
1840702324155408251,0191,8792,167
3996739911,2813,2314,4395,1637,4108,61310,413
Trade Payables112794626128
3295224375151173208272262278
Total Liabilities6391,0001,4772,1254,0805,4466,5249,04911,13613,239
4346107133154146146189
Capital Work in Progress0000011100
009134132514681751404
000000003019
Cash & Bank45145921768114395186835
6329921,4492,0473,7144,5995,7138,12810,02311,792
Total Assets6391,0001,4772,1254,0805,4466,5249,04911,13613,239

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-125-310-400-438-1,376-356-529-1,417-776-978
Cash from Investing14-1-9-3-72-71-417-130-100329
Cash from Financing1153224375011,5998255351,6329671,187
-31945133384-4602892539

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
61.3561.1661.0461.0360.9760.8860.8160.7960.67
0.850.630.520.490.771.170.910.669.30
23.4322.5621.3620.8120.1119.3618.1718.8210.89
Government0.000.000.000.000.000.000.000.000.00
14.3715.6417.0817.6718.1418.5920.1119.7319.13

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-07
General Updates

2026-09-07 - Fedbank Financial Services Limited has informed the Exchange about the Communication regarding Company's Annual Report for Financial Year 2025-26

2026-09-05
Copy of Newspaper Publication

2026-09-05 - Fedbank Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-04
Updates

2026-09-04 - Fedbank Financial Services Limited has informed the Exchange regarding 'Business Responsibilty and Sustainability Report for the FY 2025-26'.

2026-09-04
Shareholders meeting

2026-09-04 - Fedbank Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 29, 2026

2026-09-02
ESOP/ESOS/ESPS

2026-09-02 - Fedbank Financial Services Limited has informed the Exchange regarding Allotment of 82977 Shares.

2026-09-01
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-01 - Fedbank Financial Services Limited has informed the Exchange about Schedule of meet

2026-09-01
Copy of Newspaper Publication

2026-09-01 - Fedbank Financial Services Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-28
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-28 - Fedbank Financial Services Limited has informed the Exchange about Schedule of meet

2026-08-25
General Updates

2026-08-25 - Fedbank Financial Services Limited has informed the Exchange about 31st Annual General Meeting to be held on September 29, 2026

News

Recent coverage and analyst commentary for FEDFINA

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