Fedbank Financial Services Ltd

Fedbank Financi. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Fedbank Financial Services Ltd

₹ 127 -0.98%
13 Mar 3:31 p.m.
fedfina.com BSE: 544027 NSE: FEDFINA
About

Fedbank Financial Services Limited a subsidiary of The Fedral Bank Limited, provides Gold Loans, Home Loans, Loan Against Property (LAP), and Business Loan Services.[1]

Key Points

Business Profile[1] Promoted by Federal Bank, Fedfina is a retail-focused non-banking finance company that has the 2nd lowest cost of borrowing among the micro, small, and medium enterprises (“MSMEs”), gold loan and MSME & gold loan amongst the peers.

Website BSE NSE
  • Market Cap ₹ 4,741 Cr.
  • Current Price ₹ 127
  • High / Low ₹ 178 / 80.0
  • Stock P/E 15.1
  • Book Value ₹ 72.4
  • Dividend Yield 0.00 %
  • ROCE 9.82 %
  • ROE 9.38 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 41.8% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.1% 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 Finance Non Banking Financial Company (NBFC)

Part of BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
309 338 361 395 413 408 477 513 530 536 517 535 555
Interest 125 141 164 167 176 173 202 214 221 216 218 214 208
117 124 124 144 156 154 184 207 273 210 187 202 215
Financing Profit 67 73 74 84 82 80 91 92 36 111 112 120 132
Financing Margin % 22% 21% 21% 21% 20% 20% 19% 18% 7% 21% 22% 22% 24%
10 -7 6 3 16 20 14 6 2 1 1 1 1
Depreciation 11 11 9 9 10 9 11 12 13 13 12 13 14
Profit before tax 66 55 72 77 88 91 94 86 25 99 100 107 118
Tax % 23% 29% 25% 25% 26% 26% 25% 25% 25% 27% 25% 25% 26%
51 39 54 58 65 68 70 65 19 72 75 80 88
EPS in Rs 1.59 1.21 1.68 1.80 1.77 1.83 1.89 1.74 0.50 1.92 2.01 2.14 2.35
Gross NPA % 2.41% 2.03% 2.26% 2.34% 2.19% 1.70% 1.97% 1.87% 1.80% 2.02% 1.99% 1.90% 2.06%
Net NPA % 1.95% 1.59% 1.78% 1.83% 1.66% 1.30% 1.60% 1.47% 1.10% 1.22% 1.24% 1.30% 1.40%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
255 464 692 869 1,180 1,577 2,037 2,143
Interest 114 201 313 348 472 680 854 856
83 190 280 359 442 578 873 813
Financing Profit 58 74 99 162 266 320 310 474
Financing Margin % 23% 16% 14% 19% 23% 20% 15% 22%
0 2 6 14 19 46 43 3
Depreciation 8 19 27 37 42 37 49 53
Profit before tax 51 56 77 139 243 328 304 425
Tax % 29% 30% 20% 26% 26% 25% 26%
36 39 62 103 180 245 225 315
EPS in Rs 1.57 1.43 2.13 3.22 5.60 6.62 6.04 8.42
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 34%
3 Years: 33%
TTM: 11%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: 29%
TTM: 42%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 49%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 12%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 230 273 290 322 322 369 373 374
Reserves 229 418 545 832 1,034 1,891 2,175 2,336
Borrowing 1,639 3,307 4,453 5,154 7,270 8,340 10,437 10,391
53 88 179 248 445 537 265 262
Total Liabilities 2,151 4,086 5,466 6,556 9,071 11,138 13,250 13,362
46 107 133 154 146 146 189 184
CWIP 0 0 1 1 1 0 1 2
Investments 13 41 32 514 681 751 404 546
2,092 3,938 5,300 5,887 8,244 10,241 12,656 12,630
Total Assets 2,151 4,086 5,466 6,556 9,071 11,138 13,250 13,362

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-445 -1,397 -371 -578 -1,474 -776 -978
-55 -69 -71 -417 -130 -100 329
495 1,599 825 535 1,632 967 1,187
Net Cash Flow -5 133 384 -460 28 92 539

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 8% 7% 8% 10% 15% 14% 9%

Insights

In beta
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Number of Branches
Number

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Total Assets Under Management (AUM)
Rs. Crore
Employee Count
Number
Average Origination LTV - Gold Loans
Percentage
Average Ticket Size - Retail Installment Loans
Rs. Lakh
AUM Per Branch - Gold Loan
Rs. Crore
Gold Tonnage
Metric Tons

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
61.65% 61.58% 61.35% 61.16% 61.04% 61.03% 60.97% 60.88% 60.81%
2.54% 1.05% 0.85% 0.63% 0.52% 0.49% 0.77% 1.17% 0.91%
22.64% 23.17% 23.43% 22.56% 21.36% 20.81% 20.11% 19.36% 18.17%
13.17% 14.19% 14.38% 15.64% 17.08% 17.67% 18.15% 18.59% 20.11%
No. of Shareholders 1,68,1841,55,0661,46,5261,46,6111,52,7491,49,2761,43,7311,27,4241,27,190

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

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DRHP

Credit ratings

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