IDFC First Bank Ltd.

•

idfcfirst.bank.inBSE: 539437NSE: IDFCFIRSTB

Market Cap₹ 74,319 Cr.

Current Price

High / Low₹ 89 / 58

Stock P/E32.2

Book Value₹ 56

Price to Book1.07

Dividend Yield0.29 %

ROCE5.4 %

ROE3.8 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 47.2% • Treasury: 30.1% • Corporate/ Wholesale Banking: 11.8%

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 27.2% CAGR over last 5 years
Comfortable capital adequacy - CAR of 15.6%
Asset quality is healthy - gross NPA of just 1.6%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 153.1% YoY, showing strong momentum
Company has delivered good sales growth of 20.5% CAGR over last 5 years

CONS

A large part of profit comes from other income (435.7% of PBT)
Promoter holding has decreased over last 2 years: -37.4pp
Weak return ratios for a lender: 3Y avg ROA 0.7%
Equity base is being diluted - shares outstanding up 30.0%
Operating margins have contracted to 17.7% from 22.0%

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

Peer comparison

Financial ServicesBankBank - Private

Part ofNIFTY BANK NIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY PVT BANK NIFTY MIDCAP 100

S.No.	Name
1.	HDFCBANK	708.00	13.81	1091323.88	2.19	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1379.15	17.65	989980.04	0.87	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	418.70	20.52	416508.36	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1247.50	13.98	388399.91	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	83.44	9.63	89718.04	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	344.40	18.18	85149.33	0.35	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1058.00	43.57	79454.72	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	977.80	57.61	76184.77	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	86.20	32.24	74319.14	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	23.47	19.52	73668.68	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	412.80	71.21	64022.78	0.24	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KARURVYSYA	333.85	11.76	32273.73	0.78	755.70	44.92	3049.42	18.72	23.62	71.82

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	6,869	7,356	7,880	8,220	8,789	8,957	9,343	9,413	9,642	9,937	10,417	10,553	11,051
Interest Expended	3,122	3,406	3,592	3,750	4,093	4,169	4,440	4,505	4,709	4,824	4,924	4,876	5,077
Net Interest Income	3,746	3,951	4,287	4,470	4,695	4,788	4,902	4,908	4,933	5,113	5,493	5,677	5,974
	1,364	1,410	1,517	1,642	1,574	1,727	1,780	1,895	2,227	1,891	2,125	1,630	2,310
Total Income	0	0	0	0	10,363	10,684	11,123	11,308	11,869	11,828	12,542	12,183	13,361
Operating Expenses	0	0	0	0	44,224	45,386	49,223	50,083	49,298	51,287	56,081	62,372	5,658
Operating Profit	0	0	0	0	18,470	19,770	17,601	17,948	22,303	18,756	20,095	10,702	2,626
Provisions & Contingencies	0	0	0	0	9,944	17,319	13,379	14,505	16,591	14,519	13,983	8,692	1,144
Profit before Tax	996	983	930	948	853	245	422	344	571	424	611	201	1,482
Tax %	26.57%	24.01%	21.26%	22.83%	24.63%	13.53%	19.42%	14.15%	20.60%	17.92%	21.68%	-64.51%	22.53%
Net Profit	0	0	0	0	643	212	340	296	453	348	479	331	1,148
EPS	1	1	1	1	1	0	0	0	1	0	1	0	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	30,325	36,502	40,549	—
Interest Expended	6,515	7,126	8,743	10,228	8,585	7,465	10,091	13,870	17,208	19,333	19,701
Net Interest Income	-6,515	-7,126	-8,743	-10,228	-8,585	-7,465	-10,091	16,455	19,294	21,216	—
	1,019	1,120	852	1,722	2,211	3,173	4,467	5,932	6,977	7,874	7,956
Total Income	0	0	0	0	0	0	0	36,257	43,478	48,422	49,914
	0	0	0	0	0	0	0	16,148	18,892	21,904	—
Operating Profit	-6,515	-7,126	-8,743	-10,228	-8,585	-7,465	-10,091	6,239	7,379	7,186	—
	-1,475	148	566	3,190	2,746	3,252	2,187	2,382	5,515	5,379	—
Profit before Tax	1,514	1,135	-3,210	-2,346	519	175	3,331	3,857	1,864	1,807	2,717
Tax %	0.00%	0.00%	-0.00%	-0.00%	0.00%	0.00%	0.00%	23.72%	20.05%	10.87%	15.18%
Net Profit	1,063	955	-1,880	-2,843	483	132	2,485	2,942	1,490	1,611	2,305
EPS	3	3	-5	-6	1	0	4	4	2	2	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 20%
3 Years:: 21%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 27%
3 Years:: -13%

STOCK PRICE CAGR

10 Years:: 3%
5 Years:: 13%
3 Years:: -3%
1 Year:: 19%

RETURN ON EQUITY

10 Years:: 2%
5 Years:: 6%
3 Years:: 6%
Last Year:: 4%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	3,399	3,404	4,782	4,810	5,676	6,218	6,618	7,070	7,322	8,602
	11,277	11,870	13,418	10,594	12,224	14,848	19,192	25,145	30,685	38,514
	40,098	48,039	70,354	65,079	88,536	1,05,540	1,44,470	2,00,570	2,52,010	2,94,312
	50,262	57,287	69,983	57,397	45,786	52,963	57,212	50,936	38,984	36,633
Other Liabilities & Provisions	7,027	5,781	8,563	11,279	10,849	10,561	12,353	12,430	14,759	21,426
Total Liabilities	1,12,064	1,26,382	1,67,099	1,49,159	1,63,072	1,90,146	2,39,882	2,96,210	3,43,909	3,99,775
ASSETS	-	-	-	-	-	-	-	-	-	-
	2,995	3,021	4,101	3,348	4,670	11,281	10,562	10,988	13,985	11,311
Balances with Banks & Money at Call	2,145	1,856	5,425	814	1,104	4,421	3,216	1,493	1,114	1,456
	50,164	60,904	58,245	45,174	45,182	45,935	60,913	74,500	80,505	85,646
	49,402	52,165	86,302	85,595	1,00,550	1,17,858	1,51,795	1,94,592	2,33,113	2,80,391
	793	797	940	999	1,231	1,308	1,914	2,580	2,663	2,513
	6,560	7,636	12,051	13,153	10,271	9,264	11,263	11,962	12,456	18,346
Total Assets	1,12,064	1,26,382	1,67,099	1,49,159	1,63,072	1,90,146	2,39,882	2,96,210	3,43,909	3,99,775

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	14,128	-5,978	17,364	10,966	14,042	2,679	3,563	11,543	14,465	6,817
Cash from Investing	-4,918	-1,027	-1,365	-3,790	-2,833	-2,960	-11,996	-9,887	-3,478	-14,143
Cash from Financing	-6,974	6,742	-12,220	-12,539	-9,598	10,211	6,509	-2,954	-8,668	4,994
	2,236	-263	3,779	-5,363	1,610	9,929	-1,924	-1,298	2,319	-2,333

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	3.00	2.58	-3.99	-5.91	0.85	0.21	3.75	4.16	2.04	1.87
Book Value (₹)	43.18	44.87	38.06	32.02	31.54	33.88	39.00	45.57	51.91	54.78
Dividend per Share (₹)	0.75	0.75	0.00	0.00	0.00	0.00	0.00	0.00	0.25	0.25
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.84%	5.87%	5.60%
ROA %	0.95%	0.80%	-1.28%	-1.80%	0.31%	0.07%	1.16%	1.10%	0.47%	0.43%
ROE %	7.24%	6.38%	-11.23%	-16.92%	2.90%	0.68%	10.60%	10.14%	4.24%	3.78%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	72.13%	71.91%	75.30%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	47.25%	46.91%	49.82%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.25%	0.15%	0.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	0.00%	-10.09%	-296.76%	-51.24%	116.99%	-72.62%	1778.15%	18.41%	-49.35%	8.07%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.92%	5.53%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	18.11x	27.00x	31.41x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.65x	1.06x	1.07x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.46%	0.42%

Shareholding Pattern

Numbers in percentages

Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
37.37	35.37	0.00	0.00	0.00	0.00	0.00	0.00	0.00
21.02	19.57	27.12	25.68	23.80	24.64	36.76	36.52	36.10
7.93	11.73	16.13	19.29	23.39	24.32	22.38	22.73	24.35
3.71	3.51	9.17	9.16	9.15	9.14	7.80	7.80	7.79
29.96	29.81	47.58	45.87	43.66	41.91	33.05	32.94	31.75

Documents

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

2026-09-11

ESOP/ESOS/ESPS

2026-09-11 - IDFC First Bank Limited has informed the Exchange regarding Allotment of 486713 Shares.

2026-09-03

General Updates

2026-09-03 - IDFC First Bank Limited has informed the Exchange about General Updates

2026-09-02

Shareholders meeting

2026-09-02 - IDFC First Bank Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 31, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-31

Shareholders meeting

2026-08-31 - IDFC First Bank Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 31, 2026

2026-08-27

Credit Rating- New

2026-08-27 - IDFC First Bank Limited has informed the Exchange about Credit Rating- New

2026-08-25

General Updates

2026-08-25 - IDFC First Bank Limited has informed the Exchange about Schedule of Analysts/ Institutional Investors meet(s) - Intimation

2026-08-24

General Updates

2026-08-24 - IDFC First Bank Limited has informed the Exchange about General Updates

2026-08-21

ESOP/ESOS/ESPS

2026-08-21 - IDFC First Bank Limited has informed the Exchange regarding Allotment of 489934 Shares.

2026-08-21

Credit Rating- New

2026-08-21 - IDFC First Bank Limited has informed the Exchange about Credit Rating

News

Recent coverage and analyst commentary for IDFCFIRSTB

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Free 5nance Account

Name

HDFCBANK

708.00

13.81

1091323.88

2.19

203826.90

1092.64

905753.30

936.66

12.81

35.64

ICICIBANK

1379.15

17.65

989980.04

0.87

16209.74

12.62

52240.85

6.44

16.51

32.39

KOTAKBANK

418.70

20.52

416508.36

0.16

5487.06

23.89

18354.57

6.41

12.05

19.05

AXISBANK

1247.50

13.98

388399.91

0.08

7656.51

22.31

35541.96

9.87

11.04

63.88

IDBI

83.44

9.63

89718.04

0.00

2130.57

5.27

7549.28

7.44

14.76

76.80

FEDERALBNK

344.40

18.18

85149.33

0.35

1297.61

37.06

7861.58

9.94

10.98

66.11

AUBANK

1058.00

43.57

79454.72

0.09

7959.53

1270.31

53027.42

1111.10

14.17

56.24

INDUSINDBK

977.80

57.61

76184.77

0.15

1037.02

71.68

11309.94

-7.78

4.97

55.07

IDFCFIRSTB

86.20

32.24

74319.14

0.29

1147.82

153.12

11051.09

14.61

5.42

38.45

YESBANK

23.47

19.52

73668.68

0.00

1071.81

32.53

8054.49

5.92

8.04

58.47

RBLBANK

412.80

71.21

64022.78

0.24

2342.30

993.41

38402.40

1015.97

6.49

40.95

KARURVYSYA

333.85

11.76

32273.73

0.78

755.70

44.92

3049.42

18.72

23.62

71.82

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

6,869

7,356

7,880

8,220

8,789

8,957

9,343

9,413

9,642

9,937

10,417

10,553

11,051

Interest Expended

3,122

3,406

3,592

3,750

4,093

4,169

4,440

4,505

4,709

4,824

4,924

4,876

5,077

Net Interest Income

3,746

3,951

4,287

4,470

4,695

4,788

4,902

4,908

4,933

5,113

5,493

5,677

5,974

1,364

1,410

1,517

1,642

1,574

1,727

1,780

1,895

2,227

1,891

2,125

1,630

2,310

Total Income

10,363

10,684

11,123

11,308

11,869

11,828

12,542

12,183

13,361

Operating Expenses

44,224

45,386

49,223

50,083

49,298

51,287

56,081

62,372

5,658

Operating Profit

18,470

19,770

17,601

17,948

22,303

18,756

20,095

10,702

2,626

Provisions & Contingencies

9,944

17,319

13,379

14,505

16,591

14,519

13,983

8,692

1,144

Profit before Tax

996

983

930

948

853

245

422

344

571

424

611

201

1,482

Tax %

26.57%

24.01%

21.26%

22.83%

24.63%

13.53%

19.42%

14.15%

20.60%

17.92%

21.68%

-64.51%

22.53%

Net Profit

643

212

340

296

453

348

479

331

1,148

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

30,325

36,502

40,549

—

Interest Expended

6,515

7,126

8,743

10,228

8,585

7,465

10,091

13,870

17,208

19,333

19,701

Net Interest Income

-6,515

-7,126

-8,743

-10,228

-8,585

-7,465

-10,091

16,455

19,294

21,216

—

1,019

1,120

852

1,722

2,211

3,173

4,467

5,932

6,977

7,874

7,956

Total Income

36,257

43,478

48,422

49,914

16,148

18,892

21,904

—

Operating Profit

-6,515

-7,126

-8,743

-10,228

-8,585

-7,465

-10,091

6,239

7,379

7,186

—

-1,475

148

566

3,190

2,746

3,252

2,187

2,382

5,515

5,379

—

Profit before Tax

1,514

1,135

-3,210

-2,346

519

175

3,331

3,857

1,864

1,807

2,717

Tax %

0.00%

-0.00%

0.00%

23.72%

20.05%

10.87%

15.18%

Net Profit

1,063

955

-1,880

-2,843

483

132

2,485

2,942

1,490

1,611

2,305

EPS

-5

-6

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

3,399

3,404

4,782

4,810

5,676

6,218

6,618

7,070

7,322

8,602

11,277

11,870

13,418

10,594

12,224

14,848

19,192

25,145

30,685

38,514

40,098

48,039

70,354

65,079

88,536

1,05,540

1,44,470

2,00,570

2,52,010

2,94,312

50,262

57,287

69,983

57,397

45,786

52,963

57,212

50,936

38,984

36,633

Other Liabilities & Provisions

7,027

5,781

8,563

11,279

10,849

10,561

12,353

12,430

14,759

21,426

Total Liabilities

1,12,064

1,26,382

1,67,099

1,49,159

1,63,072

1,90,146

2,39,882

2,96,210

3,43,909

3,99,775

ASSETS

2,995

3,021

4,101

3,348

4,670

11,281

10,562

10,988

13,985

11,311

Balances with Banks & Money at Call

2,145

1,856

5,425

814

1,104

4,421

3,216

1,493

1,114

1,456

50,164

60,904

58,245

45,174

45,182

45,935

60,913

74,500

80,505

85,646

49,402

52,165

86,302

85,595

1,00,550

1,17,858

1,51,795

1,94,592

2,33,113

2,80,391

793

797

940

999

1,231

1,308

1,914

2,580

2,663

2,513

6,560

7,636

12,051

13,153

10,271

9,264

11,263

11,962

12,456

18,346

Total Assets

1,12,064

1,26,382

1,67,099

1,49,159

1,63,072

1,90,146

2,39,882

2,96,210

3,43,909

3,99,775

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

14,128

-5,978

17,364

10,966

14,042

2,679

3,563

11,543

14,465

6,817

Cash from Investing

-4,918

-1,027

-1,365

-3,790

-2,833

-2,960

-11,996

-9,887

-3,478

-14,143

Cash from Financing

-6,974

6,742

-12,220

-12,539

-9,598

10,211

6,509

-2,954

-8,668

4,994

2,236

-263

3,779

-5,363

1,610

9,929

-1,924

-1,298

2,319

-2,333

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

3.00

2.58

-3.99

-5.91

0.85

0.21

3.75

4.16

2.04

1.87

Book Value (₹)

43.18

44.87

38.06

32.02

31.54

33.88

39.00

45.57

51.91

54.78

Dividend per Share (₹)

0.75

0.00

0.25

PROFITABILITY

Net Interest Margin %

0.00%

5.84%

5.87%

5.60%

ROA %

0.95%

0.80%

-1.28%

-1.80%

0.31%

0.07%

1.16%

1.10%

0.47%

0.43%

ROE %

7.24%

6.38%

-11.23%

-16.92%

2.90%

0.68%

10.60%

10.14%

4.24%

3.78%

0.00%

72.13%

71.91%

75.30%

ASSET QUALITY

Gross NPA %

0.00%

Net NPA %

0.00%

Provision Coverage %

0.00%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

47.25%

46.91%

49.82%

Credit-Deposit Ratio %

0.00%

0.25%

0.15%

0.12%

0.00%

GROWTH & VALUATION

Net Profit Growth %

0.00%

-10.09%

-296.76%

-51.24%

116.99%

-72.62%

1778.15%

18.41%

-49.35%

8.07%

Book Value Growth %

0.00%

13.92%

5.53%

P/E (x)

0.00x

18.11x

27.00x

31.41x

P/B (x)

0.00x

1.65x

1.06x

1.07x

0.00%

0.46%

0.42%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

37.37

35.37

0.00

21.02

19.57

27.12

25.68

23.80

24.64

36.76

36.52

36.10

7.93

11.73

16.13

19.29

23.39

24.32

22.38

22.73

24.35

3.71

3.51

9.17

9.16

9.15

9.14

7.80

7.79

29.96

29.81

47.58

45.87

43.66

41.91

33.05

32.94

31.75

IDFC First Bank Ltd.

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IDFC First Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI