Federal Bank Ltd

₹ 322 -2.28%

25 Sep - close price

federalbank.co.in BSE: 500469 NSE: FEDERALBNK F&O

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

Key Ratios - Q3FY26^[1]^[2]
Capital Adequacy Ratio (CRAR): 15.20%
Net Interest Margin (NIM): 3.18%
Gross NPA: 1.72%
Net NPA: 0.42%
CASA Ratio: 32.07%

Website BSE NSE F&O

Market Cap ₹ 79,739 Cr.
Current Price ₹ 322
High / Low ₹ 372 / 189
Stock P/E 18.0
Book Value ₹ 157
Dividend Yield 0.37 %
ROCE 6.27 %
ROE 11.4 %
Face Value ₹ 2.00

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Pros

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 12.8% over last 3 years.
Contingent liabilities of Rs.2,99,409 Cr.
Company might be capitalizing the interest cost
Dividend payout has been low at 7.44% of profits over last 3 years

* 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

Financial Services Financial Services Banks Private Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500 BSE BANKEX Nifty Bank Nifty Midcap 100 BSE Dollex 100 Nifty Midcap 50 Nifty 200 Nifty Alpha 50 BSE Financial Services BSE MidCap Select Index BSE SENSEX Next 50 Nifty Private Bank BSE 100 ESG BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Diversified Financials Revenue Growth BSE Private Banks Index BSE Momentum Index Nifty200 Momentum 30 Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Total Market Nifty Alpha Low-Volatility 30 Nifty200 Alpha30 Nifty Midcap150 Momentum 50 Nifty500 Value 50 Nifty Alpha Quality Value Low-Volatility 30 BSE Focused Midcap BSE 200 Equal Weight Nifty500 Momentum 50 Nifty Midsmallcap400 Momentum Quality 100 NIFTY Housing Nifty MidSmall Financial Services Nifty200 Value 30 Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE India 150 Nifty500 Low Volatility 50 BSE 1000 BSE 500 Momentum 50 BSE TOP 10 Banks Nifty India FPI 150 BSE MidSmall Private Banks Quality Tilt Nifty MidSmallcap400 50:50 BSE LargeMid (60:40) Stable Dividend 50 Index BSE Midsmall Private Banks BSE Midcap 150 Momentum 30

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	5,025	5,455	5,730	5,978	6,331	6,577	6,809	6,648	6,687	6,742	6,868	7,399	7,238
Interest	3,106	3,399	3,607	3,783	4,039	4,210	4,377	4,271	4,350	4,247	4,215	4,226	4,292
	1,504	1,506	1,640	1,744	1,851	1,924	2,070	2,056	2,294	2,296	2,356	2,782	2,415
Financing Profit	414	550	484	451	441	443	361	321	43	199	297	390	531
Financing Margin %	8%	10%	8%	8%	7%	7%	5%	5%	1%	3%	4%	5%	7%
	732	730	863	754	915	964	916	1,006	1,113	1,082	1,100	1,145	1,048
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,147	1,281	1,346	1,205	1,357	1,407	1,277	1,327	1,156	1,281	1,397	1,535	1,580
Tax %	26%	26%	25%	25%	26%	25%	25%	22%	25%	25%	25%	18%	25%
	854	954	1,007	906	1,010	1,057	955	1,030	862	955	1,041	1,259	1,177
EPS in Rs	4.03	4.06	4.14	3.72	4.12	4.31	3.89	4.20	3.51	3.88	4.23	5.11	4.77
Gross NPA %	2.38%	2.26%	2.29%	2.13%	2.11%	2.09%	1.95%	1.84%	1.91%	1.83%	1.72%	1.62%	1.52%
Net NPA %	0.69%	0.64%	0.64%	0.60%	0.60%	0.57%	0.49%	0.44%	0.48%	0.48%	0.42%	0.20%	0.18%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	7,419	7,748	8,677	9,753	11,419	13,211	13,758	13,661	16,804	22,188	26,365	27,695	28,247
Interest	5,039	5,240	5,625	6,170	7,243	8,562	8,224	7,699	9,571	13,895	16,897	17,038	16,981
	1,663	2,491	2,706	3,275	3,500	4,428	5,251	5,392	5,353	6,179	7,634	9,446	9,849
Financing Profit	717	17	347	308	677	221	283	570	1,879	2,114	1,834	1,212	1,417
Financing Margin %	10%	0%	4%	3%	6%	2%	2%	4%	11%	10%	7%	4%	5%
	878	808	1,082	1,159	1,351	1,931	1,959	2,089	2,330	3,079	3,801	4,440	4,376
Depreciation	75	105	122	123	120	119	104	123	165	215	267	282	0
Profit before tax	1,521	720	1,306	1,344	1,907	2,033	2,137	2,536	4,044	4,978	5,368	5,370	5,793
Tax %	34%	34%	36%	35%	35%	24%	26%	25%	26%	25%	25%	23%
	1,006	476	831	879	1,244	1,543	1,590	1,890	3,011	3,721	4,052	4,117	4,432
EPS in Rs	5.87	2.77	4.82	4.46	6.27	7.74	7.97	8.99	14.23	15.28	16.50	16.71	17.99
Dividend Payout %	19%	25%	19%	22%	22%	0%	9%	20%	7%	8%	7%	7%

Compounded Sales Growth
10 Years:	14%
5 Years:	15%
3 Years:	18%
TTM:	6%

Compounded Profit Growth
10 Years:	24%
5 Years:	21%
3 Years:	11%
TTM:	14%

Stock Price CAGR
10 Years:	16%
5 Years:	32%
3 Years:	30%
1 Year:	67%

Return on Equity
10 Years:	12%
5 Years:	13%
3 Years:	13%
Last Year:	11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	171	344	345	394	397	399	399	421	423	487	491	493
Reserves	7,567	7,747	8,598	11,816	12,876	14,119	15,725	18,373	21,083	28,607	32,929	38,212
Deposits	70,825	79,172	97,665	111,992	134,954	152,290	172,644	181,701	213,386	252,534	283,647	313,909
Borrowing	2,308	5,115	5,897	11,534	7,781	10,372	9,068	15,393	19,319	18,026	23,726	21,159
	1,979	2,204	2,473	2,578	3,331	3,458	3,530	5,059	6,130	8,657	8,210	13,748
Total Liabilities	82,850	94,581	114,977	138,314	159,340	180,638	201,367	220,946	260,342	308,312	349,005	387,521
	440	504	475	448	455	455	479	606	853	954	1,407	1,367
CWIP	27	16	15	9	17	25	12	28	81	66	71	106
Investments	20,569	25,155	28,196	30,781	31,824	35,893	37,186	39,179	48,983	60,860	66,246	76,676
	61,815	68,906	86,291	107,076	127,043	144,265	163,690	181,133	210,424	246,432	281,281	309,373
Total Assets	82,850	94,581	114,977	138,314	159,340	180,638	201,367	220,946	260,342	308,312	349,005	387,521

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	5,164	-1,519	3,757	-4,697	8,171	4,884	12,207	-6,497	2,870	7,553	10,073	7,182
	-1,364	1,991	-2,383	-1,576	-3,372	-4,665	-3,900	806	-9,834	-8,856	-3,748	-11,065
	-3,549	168	659	8,025	-3,936	2,289	-1,290	7,110	3,643	2,577	5,571	-1,249
Net Cash Flow	251	640	2,032	1,751	863	2,508	7,017	1,419	-3,322	1,274	11,896	-5,132
Free Cash Flow	5,044	-1,678	3,665	-4,789	8,054	4,762	12,093	-6,758	2,406	7,260	9,350	6,926
CFO/OP	100%	-28%	70%	-62%	112%	63%	151%	-68%	35%	55%	60%	45%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	14%	6%	10%	8%	10%	11%	10%	11%	15%	15%	13%	11%

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Banking Outlets (Branches)
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CASA Ratio
%

CRAR (Capital to Risk-weighted Assets Ratio)
%

GNPA Ratio
%

NRE Deposits
INR crore

NRI Remittance Market Share
%

Number of Customers
Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	27.02%	29.38%	28.57%	28.63%	27.72%	26.32%	26.28%	26.86%	25.54%	24.94%	26.05%	27.71%
	45.74%	44.39%	45.16%	44.97%	46.95%	48.90%	49.07%	48.17%	49.71%	51.10%	50.39%	49.27%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%
	27.25%	26.23%	26.28%	26.40%	25.32%	24.77%	24.66%	24.96%	24.74%	23.96%	23.56%	23.00%
No. of Shareholders	7,82,900	7,96,959	8,70,010	8,55,887	8,51,199	8,51,174	8,47,981	8,51,049	8,48,372	8,23,258	8,21,700	8,11,380

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	31.29%	37.79%	37.24%	33.31%	24.51%	26.01%	26.94%	28.57%	26.28%	26.05%	27.71%
	30.88%	31.05%	29.73%	37.10%	43.29%	43.25%	43.66%	45.16%	49.07%	50.39%	49.27%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%	0.00%
	37.83%	31.16%	33.03%	29.59%	32.20%	30.74%	29.41%	26.28%	24.66%	23.56%	23.00%
No. of Shareholders	1,70,800	3,05,854	3,40,330	3,62,898	5,29,134	7,23,623	7,36,674	8,70,010	8,47,981	8,21,700	8,11,380

* 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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