Federal Bank Ltd

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

Federal Bank Ltd

₹ 197 -3.31%
30 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 ₹ 48,304 Cr.
  • Current Price ₹ 197
  • High / Low ₹ 217 / 148
  • Stock P/E 11.6
  • Book Value ₹ 141
  • Dividend Yield 0.61 %
  • ROCE 7.04 %
  • ROE 12.9 %
  • 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.1,09,248 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

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

Consolidated Figures in Rs. Crores / View Standalone

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
3,686 3,843 4,259 4,698 5,012 5,350 5,791 6,085 6,339 6,728 7,006 7,265 7,108
Interest 2,030 2,104 2,349 2,585 2,938 3,255 3,544 3,760 3,936 4,212 4,393 4,570 4,456
1,363 1,351 1,541 1,544 1,574 1,634 1,661 1,814 1,917 2,048 2,149 2,349 2,265
Financing Profit 294 388 369 569 500 461 586 511 486 468 463 346 386
Financing Margin % 8% 10% 9% 12% 10% 9% 10% 8% 8% 7% 7% 5% 5%
484 475 628 565 768 741 757 908 810 936 1,010 931 1,047
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 778 863 997 1,134 1,269 1,202 1,343 1,420 1,296 1,404 1,473 1,277 1,434
Tax % 25% 26% 26% 25% 26% 26% 26% 25% 25% 26% 25% 26% 23%
599 645 745 856 964 894 1,007 1,067 996 1,047 1,115 951 1,120
EPS in Rs 2.79 3.02 3.48 3.99 4.51 4.16 4.23 4.26 3.99 4.20 4.47 3.85 4.44
Gross NPA % 2.78% 2.67% 2.45% 2.42% 2.35% 2.37% 2.27% 2.28% 2.11%
Net NPA % 0.98% 0.96% 0.82% 0.77% 0.73% 0.74% 0.68% 0.68% 0.63%
Raw PDF

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: 32%
3 Years: 28%
1 Year: 21%
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%

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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