Federal Bank Ltd

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

Federal Bank Ltd

₹ 157 0.74%
26 Apr - close price
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 ₹ 38,271 Cr.
  • Current Price ₹ 157
  • High / Low ₹ 167 / 121
  • Stock P/E 10.3
  • Book Value ₹ 102
  • Dividend Yield 0.64 %
  • ROCE 5.79 %
  • ROE 14.9 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 27.9% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 11.5% over past five years.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Contingent liabilities of Rs.82,271 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 3,460 3,366 3,356 3,379 3,443 3,483 3,629 4,021 4,433 4,721 5,025 5,455 5,730
Interest 2,022 1,946 1,937 1,900 1,904 1,958 2,024 2,259 2,477 2,811 3,106 3,399 3,607
1,370 1,243 1,477 1,352 1,323 1,267 1,250 1,427 1,415 1,425 1,504 1,506 1,640
Financing Profit 67 177 -58 128 216 258 354 335 542 484 414 550 484
Financing Margin % 2% 5% -2% 4% 6% 7% 10% 8% 12% 10% 8% 10% 8%
475 465 552 492 484 465 453 610 534 734 732 730 863
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 542 643 493 619 700 723 807 944 1,076 1,218 1,147 1,281 1,346
Tax % 25% 26% 26% 26% 26% 25% 26% 25% 25% 26% 26% 26% 25%
404 478 367 460 522 541 601 704 804 903 854 954 1,007
EPS in Rs 2.02 2.39 1.84 2.19 2.48 2.57 2.86 3.34 3.80 4.27 4.03 4.06 4.14
Gross NPA % 2.71% 3.41% 3.50% 3.24% 3.06% 2.80% 2.69% 2.46% 2.43% 2.36% 2.38% 2.26% 2.29%
Net NPA % 0.60% 1.19% 1.23% 1.12% 1.05% 0.96% 0.94% 0.78% 0.73% 0.69% 0.69% 0.64% 0.64%
Raw PDF
Upcoming result date: 2 May 2024

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 5,558 6,168 6,946 7,419 7,748 8,677 9,753 11,419 13,211 13,758 13,661 16,804 20,931
Interest 3,605 4,193 4,717 5,039 5,240 5,625 6,170 7,243 8,562 8,224 7,699 9,571 12,923
1,260 1,367 1,617 1,663 2,491 2,706 3,275 3,500 4,428 5,251 5,392 5,353 6,076
Financing Profit 694 608 612 717 17 347 308 677 221 283 570 1,879 1,932
Financing Margin % 12% 10% 9% 10% 0% 4% 3% 6% 2% 2% 4% 11% 9%
532 664 694 878 808 1,082 1,159 1,351 1,931 1,959 2,089 2,330 3,059
Depreciation 57 79 94 75 105 122 123 120 119 104 123 165 0
Profit before tax 1,170 1,194 1,212 1,521 720 1,306 1,344 1,907 2,033 2,137 2,536 4,044 4,991
Tax % 34% 30% 31% 34% 34% 36% 35% 35% 24% 26% 25% 26%
777 838 839 1,006 476 831 879 1,244 1,543 1,590 1,890 3,011 3,717
EPS in Rs 4.54 4.90 4.90 5.87 2.77 4.82 4.46 6.27 7.74 7.97 8.99 14.23 16.50
Dividend Payout % 20% 18% 20% 19% 25% 19% 22% 22% 0% 9% 20% 7%
Compounded Sales Growth
10 Years: 11%
5 Years: 11%
3 Years: 8%
TTM: 34%
Compounded Profit Growth
10 Years: 14%
5 Years: 28%
3 Years: 25%
TTM: 40%
Stock Price CAGR
10 Years: 13%
5 Years: 10%
3 Years: 28%
1 Year: 17%
Return on Equity
10 Years: 11%
5 Years: 12%
3 Years: 12%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 171 171 171 171 344 345 394 397 399 399 421 423
Reserves 5,535 6,194 6,780 7,567 7,747 8,598 11,816 12,876 14,119 15,725 18,373 21,083
53,178 62,802 65,419 73,133 84,286 103,562 123,526 142,736 162,663 181,713 197,094 232,705
1,742 1,866 2,224 1,979 2,204 2,473 2,578 3,331 3,458 3,530 5,059 6,130
Total Liabilities 60,627 71,033 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342
326 397 402 440 504 475 448 455 455 479 606 853
CWIP 0 2 23 27 16 15 9 17 25 12 28 81
Investments 17,402 21,155 24,118 20,569 25,155 28,196 30,781 31,824 35,893 37,186 39,179 48,983
42,898 49,478 50,051 61,815 68,906 86,291 107,076 127,043 144,265 163,690 181,133 210,424
Total Assets 60,627 71,033 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-801 2,899 1,225 5,164 -1,519 3,757 -4,697 8,171 4,884 12,207 -6,497 2,870
-1,598 -3,479 -736 -1,364 1,991 -2,383 -1,576 -3,372 -4,665 -3,900 806 -9,834
2,184 768 321 -3,549 168 659 8,025 -3,936 2,289 -1,290 7,110 3,643
Net Cash Flow -216 187 809 251 640 2,032 1,751 863 2,508 7,017 1,419 -3,322

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 14% 14% 13% 14% 6% 10% 8% 10% 11% 10% 11% 15%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
24.05% 25.92% 25.23% 26.01% 26.20% 26.40% 27.72% 26.94% 26.27% 27.02% 29.38% 28.57%
43.89% 42.53% 41.66% 43.25% 42.12% 44.22% 42.33% 43.66% 42.11% 45.74% 44.39% 45.16%
32.06% 31.55% 33.11% 30.74% 31.68% 29.38% 29.96% 29.41% 31.61% 27.25% 26.23% 26.28%
No. of Shareholders 5,71,4616,19,0637,79,3037,23,6237,54,4886,90,7527,07,1577,36,6748,09,3977,82,9007,96,9598,70,010

* 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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