5nance5nance
5nance5nance
HomeScreens
LOGINGET FREE ACCOUNT

IDFC First Bank Ltd.

•
idfcfirst.bank.inBSE: 539437NSE: IDFCFIRSTB
Market Cap₹ 74,750 Cr.
Current Price
High / Low₹ 89 / 58
Stock P/E33.2
Book Value₹ 56
Price to Book1.07
Dividend Yield0.29 %
ROCE5.5 %
ROE3.9 %
Face Value₹ 10

Add ratio to table

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 29.3% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 15.6%
  • Asset quality is healthy - gross NPA of just 1.6%
  • Latest quarter profit grew 132.4% YoY, showing strong momentum
  • Company has delivered good sales growth of 20.5% CAGR over last 5 years
  • Healthy loan book growth of 20.3% with stable asset quality

CONS

  • A large part of profit comes from other income (429.6% 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 17.8% from 21.7%

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

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY BANKNIFTYLARGEMIDCAP250NIFTYMIDCAP150NIFTY PVT BANKNIFTY MIDCAP 100
S.No.Name
1.HDFCBANK694.0013.541069744.032.23203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1384.0017.71993414.930.8716209.7412.6252240.856.4416.5132.39
3.KOTAKBANK416.9520.44414767.520.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1260.0014.12392291.690.087656.5122.3135541.969.8711.0463.88
5.IDBI81.609.4287739.600.002130.575.277549.287.4414.7676.80
6.FEDERALBNK347.0018.3285792.150.351297.6137.067861.589.9410.9866.11
7.AUBANK1065.0043.8679980.410.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK995.0058.6377524.480.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.7032.4374750.220.291147.82153.1211051.0914.615.4238.45
10.YESBANK22.2418.4969807.900.001071.8132.538054.495.928.0458.47
11.RBLBANK409.4070.6263495.460.242342.30993.4138402.401015.976.4940.95
12.KARURVYSYA335.4011.8132423.570.78755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
6,8687,3567,8798,2198,7898,9579,3439,4139,6429,93710,41710,55311,051
Interest Expended3,1233,4063,5933,7504,0944,1694,4414,5064,7094,8244,9254,8765,079
Net Interest Income3,7453,9504,2874,4694,6954,7884,9024,9074,9335,1135,4925,6775,972
1,4141,4301,5171,6421,6191,7271,7801,8952,2271,8912,1251,6302,309
Total Income000010,36310,68411,12311,30811,86911,82812,54212,18313,361
Operating Expenses3,6593,8704,2414,4474,4324,5534,9234,9914,9215,1245,5846,2495,729
Operating Profit1,5001,5101,5621,6641,8821,9621,7591,8122,2391,8802,0331,0592,553
Provisions & Contingencies4765286557229941,7321,3381,4501,6591,4521,3988691,144
Profit before Tax1,0249829089428882304213615804286351891,409
Tax %25.29%23.48%21.15%23.07%23.35%12.71%19.38%15.80%20.28%17.73%20.86%-68.48%23.69%
Net Profit7657517167246812013393044633525033191,075
EPS1111100010100

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
000000030,32336,50140,549—
Interest Expended6,5157,1328,74910,2328,5887,46710,09213,87217,21019,33419,703
Net Interest Income-6,515-7,132-8,749-10,232-8,588-7,467-10,09216,45119,29221,215—
1,0131,1188521,7222,2113,2224,4676,0027,0227,8737,956
Total Income000000036,32443,52348,42249,914
000000016,21618,89921,877—
Operating Profit-6,515-7,132-8,749-10,232-8,588-7,467-10,0926,2377,4157,211—
-1,4292245943,1902,7463,2522,1872,3825,5155,379—
Profit before Tax1,4711,027-3,295-2,3794761753,2673,8551,9001,8332,661
Tax %0.00%0.00%-0.00%-0.00%0.00%0.00%0.00%23.31%19.75%10.72%15.50%
Net Profit1,020859-1,944-2,8644521452,4372,9571,5251,6362,249
EPS33-5-6104422—

COMPOUNDED SALES GROWTH

10 Years:
27%
5 Years:
20%
3 Years:
21%

COMPOUNDED PROFIT GROWTH

10 Years:
13%
5 Years:
29%
3 Years:
-12%

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

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Aug 7

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2025

Jul 11

₹ 0.02

Rs.0.2500 per share(2.5%)Dividend

2018

Jul 23

Rs.0.7500 per share(7.5%)Final Dividend

2017

Jul 20

Rs.0.7500 per share(7.5%)Dividend

2016

Jul 19

Rs.0.2500 per share(2.5%)Dividend

2026

Jul 27

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital3,3993,4044,7824,8105,6766,2186,6187,0707,3228,602
11,27811,85213,37810,53312,13214,77019,06625,03230,60738,462
40,20848,19870,47965,10888,6881,05,6341,44,6372,00,5762,52,0652,94,475
50,26257,28769,98357,39745,78652,96357,21250,93638,97536,621
Other Liabilities & Provisions7,0115,7788,56311,35310,86110,58112,37112,44214,70121,333
Total Liabilities1,12,1601,26,5201,67,1851,49,2001,63,1441,90,1822,39,942303,43,8193,99,780
ASSETS----------
3,0363,0514,1503,3804,74611,39010,74011,07514,02311,337
Balances with Banks & Money at Call2,0661,8415,4178111,0824,3683,1581,4051,0741,425
50,47261,20258,47545,40545,41246,14561,12474,71080,71685,966
49,40252,16586,30285,5951,00,5501,17,8581,51,7951,94,5922,33,1132,80,391
7817819179651,2011,2821,8762,5252,5962,444
6,3987,47811,89012,97210,0889,06011,03511,71312,23118,104
Total Assets1,12,1601,26,5201,67,1851,49,2001,63,1441,90,1822,39,942303,43,8193,99,780

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
14,247-5,94717,29310,92714,0612,6043,60011,32814,3956,915
Cash from Investing-5,074-1,008-1,282-3,764-2,826-2,884-11,969-9,792-3,399-14,241
Cash from Financing-6,9746,744-12,207-12,539-9,59810,2116,509-2,954-8,6774,991
2,198-2103,804-5,3761,6379,930-1,860-1,4182,318-2,335

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)3.002.52-4.07-5.950.800.233.684.182.081.90
Book Value (₹)43.1844.8237.9831.9031.3733.7538.8145.4151.8054.71
Dividend per Share (₹)0.750.750.000.000.000.000.000.000.250.25
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 %1.04%0.72%-1.32%-1.81%0.29%0.08%1.13%1.10%0.48%0.44%
ROE %7.21%5.74%-11.64%-17.10%2.73%0.75%10.44%10.23%4.35%3.85%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%72.22%71.82%75.21%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%4.27%0.00%0.00%0.00%1.97%
Net NPA %0.00%0.00%0.00%0.00%0.00%2.09%0.00%0.00%0.00%0.55%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%67.00%0.00%0.00%0.00%72.30%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%47.25%46.91%49.80%
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%16.11%15.48%15.60%
GROWTH & VALUATION
Net Profit Growth %118.43%-15.73%-326.25%-47.32%115.79%-67.83%1575.12%21.31%-48.42%7.31%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%17.00%14.08%5.62%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x18.03x26.39x30.92x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.66x1.06x1.07x
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 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
37.3735.370.000.000.000.000.000.000.00
21.0219.5727.1225.6823.8024.6436.7636.5236.10
7.9311.7316.1319.2923.3924.3222.3822.7324.35
3.713.519.179.169.159.147.807.807.79
29.9629.8147.5845.8743.6641.9133.0532.9431.75

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

Loading news…

🤖

AI Stock Analyst

IDFC First Bank Ltd.

🔒

Sign in to Chat with AI

Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.

✨ Sign In to Chat

Free 5nance Account

5nance5nance

Stock analysis and screening tool

5nanceAI © 2020-2026

Made with ❤️ in India.

Data provided by Accord Fintech

Terms & Privacy.

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme

5nance5nance

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme


5nanceAI © 2020-2026

Data provided by Accord Fintech

Made with ❤️ in India.

HomeScreens
Login