Federal Bank Ltd

Federal Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Federal Bank Ltd

₹ 190 -3.51%
02 May 4:01 p.m.
federalbank.co.in BSE: 500469 NSE: FEDERALBNK
About

The Federal Bank Limited (‘the Bank’) was incorporated in 1931 as Travancore Federal Bank Limited. It provides retail and corporate banking, para banking activities such as debit card, third party product distribution etc., treasury and foreign exchange business.[1].It is the second-largest bank and the largest private sector bank in Kerala[2]

Key Points

Ratios 9MFY24
Capital Adequacy Ratio - 15.02%[1]
Net Interest Margin - 3.19%[2]
Gross NPA - 2.29%
Net NPA - 0.64%[3]
CASA Ratio - 30.63%[4]

Website BSE NSE
  • Market Cap ₹ 46,609 Cr.
  • Current Price ₹ 190
  • High / Low ₹ 217 / 148
  • Stock P/E 11.5
  • Book Value ₹ 136
  • Dividend Yield 0.63 %
  • ROCE 6.95 %
  • ROE 13.0 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 21.4% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.1,09,230 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
3,483 3,629 4,021 4,433 4,721 5,025 5,455 5,730 5,978 6,331 6,577 6,809 6,648
Interest 1,958 2,024 2,259 2,477 2,811 3,106 3,399 3,607 3,783 4,039 4,210 4,377 4,271
1,267 1,250 1,427 1,415 1,425 1,504 1,506 1,640 1,744 1,851 1,924 2,070 2,056
Financing Profit 258 354 335 542 484 414 550 484 451 441 443 361 321
Financing Margin % 7% 10% 8% 12% 10% 8% 10% 8% 8% 7% 7% 5% 5%
465 453 610 534 734 732 730 863 754 915 964 916 1,006
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 723 807 944 1,076 1,218 1,147 1,281 1,346 1,205 1,357 1,407 1,277 1,327
Tax % 25% 26% 25% 25% 26% 26% 26% 25% 25% 26% 25% 25% 22%
541 601 704 804 903 854 954 1,007 906 1,010 1,057 955 1,030
EPS in Rs 2.57 2.86 3.34 3.80 4.27 4.03 4.06 4.14 3.72 4.12 4.31 3.89 4.20
Gross NPA % 2.80% 2.69% 2.46% 2.43% 2.36% 2.38% 2.26% 2.29% 2.13% 2.11% 2.09% 1.95% 1.84%
Net NPA % 0.96% 0.94% 0.78% 0.73% 0.69% 0.69% 0.64% 0.64% 0.60% 0.60% 0.57% 0.49% 0.44%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
6,946 7,419 7,748 8,677 9,753 11,419 13,211 13,758 13,661 16,804 22,188 26,365
Interest 4,717 5,039 5,240 5,625 6,170 7,243 8,562 8,224 7,699 9,571 13,895 16,897
1,617 1,663 2,491 2,706 3,275 3,500 4,428 5,251 5,392 5,353 6,179 7,901
Financing Profit 612 717 17 347 308 677 221 283 570 1,879 2,114 1,567
Financing Margin % 9% 10% 0% 4% 3% 6% 2% 2% 4% 11% 10% 6%
694 878 808 1,082 1,159 1,351 1,931 1,959 2,089 2,330 3,079 3,801
Depreciation 94 75 105 122 123 120 119 104 123 165 215 0
Profit before tax 1,212 1,521 720 1,306 1,344 1,907 2,033 2,137 2,536 4,044 4,978 5,368
Tax % 31% 34% 34% 36% 35% 35% 24% 26% 25% 26% 25% 25%
839 1,006 476 831 879 1,244 1,543 1,590 1,890 3,011 3,721 4,052
EPS in Rs 4.90 5.87 2.77 4.82 4.46 6.27 7.74 7.97 8.99 14.23 15.28 16.50
Dividend Payout % 20% 19% 25% 19% 22% 22% 0% 9% 20% 7% 8% 7%
Compounded Sales Growth
10 Years: 14%
5 Years: 15%
3 Years: 25%
TTM: 19%
Compounded Profit Growth
10 Years: 15%
5 Years: 21%
3 Years: 29%
TTM: 9%
Stock Price CAGR
10 Years: 11%
5 Years: 31%
3 Years: 26%
1 Year: 13%
Return on Equity
10 Years: 12%
5 Years: 13%
3 Years: 14%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 171 171 344 345 394 397 399 399 421 423 487 491
Reserves 6,780 7,567 7,747 8,598 11,816 12,876 14,119 15,725 18,373 21,083 28,607 32,929
Deposits 59,731 70,825 79,172 97,665 111,992 134,954 152,290 172,644 181,701 213,386 252,534 283,647
Borrowing 5,688 2,308 5,115 5,897 11,534 7,781 10,372 9,068 15,393 19,319 18,026 23,726
2,224 1,979 2,204 2,473 2,578 3,331 3,458 3,530 5,059 6,130 8,657 8,210
Total Liabilities 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342 308,312 349,005
402 440 504 475 448 455 455 479 606 853 954 1,478
CWIP 23 27 16 15 9 17 25 12 28 81 66 0
Investments 24,118 20,569 25,155 28,196 30,781 31,824 35,893 37,186 39,179 48,983 60,860 66,246
50,051 61,815 68,906 86,291 107,076 127,043 144,265 163,690 181,133 210,424 246,432 281,281
Total Assets 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342 308,312 349,005

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,225 5,164 -1,519 3,757 -4,697 8,171 4,884 12,207 -6,497 2,870 7,553 10,073
-736 -1,364 1,991 -2,383 -1,576 -3,372 -4,665 -3,900 806 -9,834 -8,856 -3,744
321 -3,549 168 659 8,025 -3,936 2,289 -1,290 7,110 3,643 2,577 5,571
Net Cash Flow 809 251 640 2,032 1,751 863 2,508 7,017 1,419 -3,322 1,274 11,901

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 13% 14% 6% 10% 8% 10% 11% 10% 11% 15% 15% 13%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
26.20% 26.40% 27.72% 26.94% 26.27% 27.02% 29.38% 28.57% 28.63% 27.72% 26.32% 26.28%
42.12% 44.22% 42.33% 43.66% 42.11% 45.74% 44.39% 45.16% 44.97% 46.95% 48.90% 49.07%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01%
31.68% 29.38% 29.96% 29.41% 31.61% 27.25% 26.23% 26.28% 26.40% 25.32% 24.77% 24.66%
No. of Shareholders 7,54,4886,90,7527,07,1577,36,6748,09,3977,82,9007,96,9598,70,0108,55,8878,51,1998,51,1748,47,981

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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