Federal Bank Ltd

₹ 261 0.17%

12 Dec - 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

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%

Website BSE NSE

Market Cap ₹ 64,338 Cr.
Current Price ₹ 261
High / Low ₹ 264 / 173
Stock P/E 16.3
Book Value ₹ 147
Dividend Yield 0.46 %
ROCE 7.03 %
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.2,17,515 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 BSE Dollex 200 Nifty 500 BSE BANKEX BSE MidCap Nifty Bank Nifty Midcap 100 Nifty Midcap 50 Nifty 200 BSE Allcap BSE Financial Services BSE MidCap Select Index BSE SENSEX Next 50 Nifty Private Bank BSE 100 ESG Index (INR) BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Private Banks Index BSE Enhanced Value Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Total Market Nifty Midcap150 Momentum 50 Nifty500 Value 50 Nifty200 Value 30 Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	4,259	4,698	5,012	5,350	5,791	6,085	6,339	6,728	7,006	7,265	7,108	7,151	7,216
Interest	2,349	2,585	2,938	3,255	3,544	3,760	3,936	4,212	4,393	4,570	4,456	4,540	4,429
	1,541	1,544	1,574	1,634	1,661	1,814	1,917	2,048	2,149	2,349	2,265	2,506	2,519
Financing Profit	369	569	500	461	586	511	486	468	463	346	386	105	267
Financing Margin %	9%	12%	10%	9%	10%	8%	8%	7%	7%	5%	5%	1%	4%
	628	565	768	741	757	908	810	936	1,010	931	1,047	1,164	1,105
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	997	1,134	1,269	1,202	1,343	1,420	1,296	1,404	1,473	1,277	1,434	1,270	1,373
Tax %	26%	25%	26%	26%	26%	25%	25%	26%	25%	26%	23%	25%	26%
	745	856	964	894	1,007	1,067	996	1,047	1,115	951	1,120	951	1,023
EPS in Rs	3.48	3.99	4.51	4.16	4.23	4.26	3.99	4.20	4.47	3.85	4.44	3.74	4.03
Gross NPA %	2.45%	2.42%	2.35%	2.37%	2.27%	2.28%	2.11%
Net NPA %	0.82%	0.77%	0.73%	0.74%	0.68%	0.68%	0.63%
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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	TTM
	7,006	7,488	7,826	8,783	9,915	11,635	13,590	14,314	14,382	17,812	23,565	28,106	28,740
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	17,995
	1,664	1,701	2,529	2,749	3,331	3,572	4,608	5,527	5,758	5,828	6,792	8,523	9,640
Financing Profit	614	731	38	382	358	747	304	352	664	2,009	2,278	1,952	1,105
Financing Margin %	9%	10%	0%	4%	4%	6%	2%	2%	5%	11%	10%	7%	4%
	685	879	808	1,084	1,160	1,335	1,882	1,972	2,121	2,436	3,216	3,924	4,248
Depreciation	98	79	108	124	125	122	126	115	139	182	234	288	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	5,353
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	4,045
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	16.06
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:	10%

Compounded Profit Growth
10 Years:	15%
5 Years:	21%
3 Years:	28%
TTM:	-4%

Stock Price CAGR
10 Years:	17%
5 Years:	31%
3 Years:	24%
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	Sep 2025
Equity Capital	171	171	344	345	394	397	399	399	421	423	487	491	492
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	35,774
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	288,862
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	26,930
	2,286	1,993	2,234	2,527	2,640	3,469	3,751	4,006	5,721	7,031	10,119	9,626	15,508
Total Liabilities	74,643	82,909	94,706	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,244	367,566
	414	446	508	477	452	462	477	504	643	890	996	1,456	1,508
CWIP	23	27	16	15	10	18	28	13	29	81	67	72	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	70,296
	50,368	62,087	69,262	87,081	108,158	128,397	147,133	167,717	186,504	218,330	255,733	292,658	295,762
Total Assets	74,643	82,909	94,706	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,244	367,566

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	-3,799
	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	12,403

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

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	27.72%	26.94%	26.27%	27.02%	29.38%	28.57%	28.63%	27.72%	26.32%	26.28%	26.86%	25.54%
	42.33%	43.66%	42.11%	45.74%	44.39%	45.16%	44.97%	46.95%	48.90%	49.07%	48.17%	49.71%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%
	29.96%	29.41%	31.61%	27.25%	26.23%	26.28%	26.40%	25.32%	24.77%	24.66%	24.96%	24.74%
No. of Shareholders	7,07,157	7,36,674	8,09,397	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

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
	31.29%	37.79%	37.24%	33.31%	24.51%	26.01%	26.94%	28.57%	26.28%	25.54%
	30.88%	31.05%	29.73%	37.10%	43.29%	43.25%	43.66%	45.16%	49.07%	49.71%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%
	37.83%	31.16%	33.03%	29.59%	32.20%	30.74%	29.41%	26.28%	24.66%	24.74%
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	8,48,372

* 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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