Federal Bank Ltd
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]
- Market Cap ₹ 53,746 Cr.
- Current Price ₹ 219
- High / Low ₹ 219 / 173
- Stock P/E 12.9
- Book Value ₹ 141
- Dividend Yield 0.55 %
- ROCE 7.04 %
- ROE 12.9 %
- Face Value ₹ 2.00
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.1,09,248 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
Financial Services Financial Services Banks Private Sector Bank
Part of BSE 500 BSE 100 BSE 200 Nifty 500 BSE BANKEX
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
7,006 | 7,488 | 7,826 | 8,783 | 9,915 | 11,635 | 13,590 | 14,314 | 14,382 | 17,812 | 23,565 | 28,106 | |
Interest | 4,728 | 5,056 | 5,259 | 5,653 | 6,226 | 7,316 | 8,678 | 8,435 | 7,959 | 9,975 | 14,495 | 17,631 |
1,664 | 1,701 | 2,529 | 2,749 | 3,331 | 3,572 | 4,608 | 5,527 | 5,758 | 5,828 | 6,792 | 8,811 | |
Financing Profit | 614 | 731 | 38 | 382 | 358 | 747 | 304 | 352 | 664 | 2,009 | 2,278 | 1,664 |
Financing Margin % | 9% | 10% | 0% | 4% | 4% | 6% | 2% | 2% | 5% | 11% | 10% | 6% |
685 | 879 | 808 | 1,084 | 1,160 | 1,335 | 1,882 | 1,972 | 2,121 | 2,436 | 3,216 | 3,924 | |
Depreciation | 98 | 79 | 108 | 124 | 125 | 122 | 126 | 115 | 139 | 182 | 234 | 0 |
Profit before tax | 1,202 | 1,530 | 739 | 1,342 | 1,393 | 1,960 | 2,060 | 2,209 | 2,646 | 4,263 | 5,261 | 5,588 |
Tax % | 31% | 34% | 34% | 36% | 35% | 35% | 25% | 25% | 26% | 26% | 25% | 25% |
850 | 1,058 | 486 | 867 | 935 | 1,318 | 1,590 | 1,680 | 1,996 | 3,210 | 3,964 | 4,234 | |
EPS in Rs | 4.97 | 6.17 | 2.83 | 5.03 | 4.74 | 6.63 | 7.93 | 8.34 | 9.37 | 14.95 | 15.93 | 16.93 |
Dividend Payout % | 20% | 18% | 25% | 18% | 21% | 21% | 0% | 8% | 19% | 7% | 8% | 7% |
Compounded Sales Growth | |
---|---|
10 Years: | 14% |
5 Years: | 16% |
3 Years: | 25% |
TTM: | 19% |
Compounded Profit Growth | |
---|---|
10 Years: | 15% |
5 Years: | 21% |
3 Years: | 28% |
TTM: | 7% |
Stock Price CAGR | |
---|---|
10 Years: | 11% |
5 Years: | 33% |
3 Years: | 33% |
1 Year: | 23% |
Return on Equity | |
---|---|
10 Years: | 12% |
5 Years: | 13% |
3 Years: | 14% |
Last Year: | 13% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 6,690 | 7,529 | 7,720 | 8,607 | 11,880 | 13,101 | 14,424 | 16,105 | 18,835 | 21,699 | 29,618 | 34,047 |
Deposits | 59,729 | 70,823 | 79,171 | 97,662 | 111,970 | 134,879 | 152,252 | 172,186 | 181,678 | 212,988 | 252,455 | 283,484 |
Borrowing | 5,768 | 2,393 | 5,236 | 6,345 | 12,329 | 8,706 | 12,528 | 12,271 | 19,587 | 25,862 | 25,160 | 32,596 |
2,286 | 1,993 | 2,234 | 2,527 | 2,640 | 3,469 | 3,751 | 4,006 | 5,721 | 7,031 | 10,119 | 9,534 | |
Total Liabilities | 74,643 | 82,909 | 94,706 | 115,486 | 139,214 | 160,552 | 183,353 | 204,967 | 226,241 | 268,004 | 317,839 | 360,152 |
414 | 446 | 508 | 477 | 452 | 462 | 477 | 504 | 643 | 890 | 996 | 1,528 | |
CWIP | 23 | 27 | 16 | 15 | 10 | 18 | 28 | 13 | 29 | 81 | 67 | 0 |
Investments | 23,839 | 20,349 | 24,920 | 27,912 | 30,595 | 31,676 | 35,715 | 36,732 | 39,065 | 48,702 | 61,043 | 66,058 |
50,368 | 62,087 | 69,262 | 87,081 | 108,158 | 128,397 | 147,133 | 167,717 | 186,504 | 218,330 | 255,733 | 292,567 | |
Total Assets | 74,643 | 82,909 | 94,706 | 115,486 | 139,214 | 160,552 | 183,353 | 204,967 | 226,241 | 268,004 | 317,839 | 360,152 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1,197 | 5,158 | -1,557 | 3,431 | -5,051 | 7,873 | 3,731 | 11,179 | -7,774 | 489 | 6,431 | 8,801 | |
-737 | -1,364 | 1,990 | -2,384 | -1,579 | -3,378 | -4,688 | -3,913 | 901 | -9,860 | -8,912 | -3,794 | |
349 | -3,544 | 205 | 985 | 8,371 | -3,637 | 3,661 | -208 | 8,193 | 6,038 | 3,871 | 7,401 | |
Net Cash Flow | 808 | 250 | 639 | 2,032 | 1,741 | 858 | 2,704 | 7,058 | 1,320 | -3,332 | 1,390 | 12,408 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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% | 15% | 6% | 10% | 9% | 10% | 11% | 11% | 11% | 15% | 15% | 13% |
Documents
Announcements
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Board Meeting Outcome for Outcome Of The Board Meeting - Reg. 30 Of SEBI (LODR) Regulations, 2015 (Listing Regulations)
22h - Board approved director re-appointment, secretarial audit, equity raise, and Rs.6,000 crore debt borrowing proposals.
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Closure of Trading Window
1d - Trading window closed from July 1, 2025 till 48 hours post Q1 financial results announcement.
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Board Meeting Intimation for Board Meeting Scheduled On 30Th June 2025
25 Jun - Board meeting on June 30 to discuss equity and debt fund raising proposals.
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
24 Jun - Allotment of equity shares on exercise of Stock Options pursuant to Employee Stock Options Scheme
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Intimation Under Regulation 30 Of The SEBI (LODR) Regulations, 2015 - ESG Rating
23 Jun - Federal Bank assigned ESG rating 'A' by MSCI ESG Ratings on June 23, 2025.
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
from nse
Concalls
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May 2025Transcript PPT REC
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Feb 2025TranscriptNotesPPT
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Nov 2024Transcript PPT REC
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Oct 2023Transcript PPT
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Jul 2023Transcript PPT REC
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Jun 2023TranscriptNotesPPT
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Oct 2022Transcript PPT
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Oct 2021TranscriptNotesPPT
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Oct 2020TranscriptNotesPPT
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Oct 2019TranscriptNotesPPT
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Oct 2018TranscriptNotesPPT
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Oct 2017TranscriptNotesPPT
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Jul 2017TranscriptNotesPPT
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Apr 2017TranscriptNotesPPT
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Oct 2016TranscriptNotesPPT
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May 2016TranscriptNotesPPT
Key Ratios - FY25[1]
Capital Adequacy Ratio (CRAR): 16.40%
Net Interest Margin (NIM): 3.13% (annualized); Q4 NIM at 3.12%
Gross NPA: 1.84%
Net NPA: 0.44%
CASA Ratio: 30.23%