IDFC First Bank Ltd

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

IDFC First Bank Ltd

₹ 66.1 1.83%
02 May - close price
idfcbank.com BSE: 539437 NSE: IDFCFIRSTB
About

IDFC First Bank is engaged in the business of Banking Services. IDFC FIRST Bank was founded by the merger of Erstwhile IDFC Bank and Erstwhile Capital First on December 18, 2018.

Key Points

Ratios 9MFY24[1][2]
a) Capital Adequacy Ratio - 16.73%
b) Net Interest Margin - 6.36%
c) Gross NPA - 2.04 %
d) Net NPA - 0.68 %
e) CASA Ratio - 53..21 %
f) Book Value : 53.51

Website BSE NSE
  • Market Cap ₹ 48,386 Cr.
  • Current Price ₹ 66.1
  • High / Low ₹ 84.5 / 52.5
  • Stock P/E 31.7
  • Book Value ₹ 51.8
  • Dividend Yield 0.00 %
  • ROCE 6.24 %
  • ROE 4.35 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 20.4% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.91% over last 3 years.
  • Contingent liabilities of Rs.3,05,030 Cr.
  • Earnings include an other income of Rs.7,022 Cr.

* 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 200 BSE Dollex 200 Nifty 500 BSE MidCap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
4,554 4,922 5,470 5,912 6,424 6,868 7,356 7,879 8,219 8,789 8,957 9,343 9,413
Interest 1,884 2,171 2,468 2,627 2,828 3,123 3,406 3,593 3,750 4,094 4,169 4,441 4,506
3,043 2,971 3,319 3,627 3,918 4,135 4,398 4,895 5,169 5,426 6,285 6,261 6,441
Financing Profit -374 -220 -317 -342 -321 -390 -448 -609 -700 -731 -1,497 -1,359 -1,534
Financing Margin % -8% -4% -6% -6% -5% -6% -6% -8% -9% -8% -17% -15% -16%
831 856 1,061 1,152 1,397 1,414 1,430 1,517 1,642 1,619 1,727 1,780 1,895
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 457 636 745 811 1,076 1,024 982 908 942 888 230 421 361
Tax % 25% 25% 25% 25% 25% 25% 23% 21% 23% 23% 13% 19% 16%
343 474 556 605 803 765 751 716 724 681 201 339 304
EPS in Rs 0.55 0.76 0.89 0.97 1.21 1.15 1.12 1.01 1.02 0.96 0.27 0.46 0.42
Gross NPA % 3.70% 3.36% 3.18% 2.96% 2.51% 2.17% 2.11% 2.04% 1.88% 1.90% 1.92% 1.94% 1.87%
Net NPA % 1.53% 1.30% 1.09% 1.03% 0.86% 0.70% 0.68% 0.68% 0.60% 0.59% 0.48% 0.52% 0.53%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 6m Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0 3,649 8,533 8,930 11,948 16,308 15,968 17,173 22,728 30,322 36,501
Interest 0 2,802 6,515 7,132 8,749 10,232 8,588 7,467 10,092 13,872 17,210
3 494 1,425 1,725 4,534 9,871 8,786 12,380 13,410 17,979 24,414
Financing Profit -3 353 592 73 -1,335 -3,795 -1,406 -2,674 -775 -1,528 -5,122
Financing Margin % 10% 7% 1% -11% -23% -9% -16% -3% -5% -14%
0 403 1,013 1,118 852 1,722 2,211 3,222 4,467 6,002 7,022
Depreciation 0 41 134 163 2,813 305 329 373 425 618 0
Profit before tax -3 716 1,471 1,027 -3,295 -2,379 476 175 3,267 3,855 1,900
Tax % 0% 35% 31% 16% -41% 20% 5% 17% 25% 23% 20%
-3 467 1,020 859 -1,944 -2,864 452 145 2,437 2,957 1,525
EPS in Rs -516.00 1.38 3.00 2.52 -4.07 -5.95 0.80 0.23 3.68 4.18 2.08
Dividend Payout % 0% 18% 25% 30% 0% 0% 0% 0% 0% 0% 12%
Compounded Sales Growth
10 Years: %
5 Years: 17%
3 Years: 29%
TTM: 20%
Compounded Profit Growth
10 Years: 89%
5 Years: 20%
3 Years: 117%
TTM: -48%
Stock Price CAGR
10 Years: %
5 Years: 26%
3 Years: 20%
1 Year: -18%
Return on Equity
10 Years: 3%
5 Years: 6%
3 Years: 8%
Last Year: 4%

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
Equity Capital 0.05 3,393 3,399 3,404 4,782 4,810 5,676 6,218 6,618 7,070 7,322
Reserves -3 10,240 11,279 11,852 13,378 10,533 12,132 14,786 19,103 25,091 30,607
Deposits 8,219 40,208 48,198 70,479 65,108 88,688 105,634 144,637 200,576 252,065
Borrowing 0 57,160 50,262 57,287 69,983 57,397 45,786 52,963 57,212 50,936 38,975
3 4,204 7,011 5,778 8,563 11,353 10,861 10,581 12,371 12,442 14,849
Total Liabilities 0 83,216 112,160 126,520 167,185 149,200 163,144 190,182 239,942 296,115 343,819
0 644 781 781 917 965 1,201 1,282 1,876 2,525 2,663
CWIP 0 29 5 3 34 73 65 79 214 95 0
Investments 0 29,729 50,472 61,202 58,475 45,405 45,412 46,145 61,124 74,710 80,716
0 52,814 60,901 64,535 107,759 102,758 116,466 142,676 176,728 218,785 260,440
Total Assets 0 83,216 112,160 126,520 167,185 149,200 163,144 190,182 239,942 296,115 343,819

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
0 -13,034 14,247 -5,941 17,293 10,927 14,061 2,604 3,600 11,328 14,395
0 7,171 -5,074 -1,008 -412 -3,764 -2,826 -2,884 -11,969 -9,792 -3,399
0 7,475 -6,974 6,744 -12,207 -12,539 -9,598 10,211 6,509 -2,954 -8,682
Net Cash Flow 0 1,612 2,198 -205 4,675 -5,376 1,637 9,930 -1,860 -1,418 2,313

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
ROE % 7% 7% 6% -12% -17% 3% 1% 10% 10% 4%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
36.48% 36.47% 36.38% 39.99% 39.93% 39.37% 37.45% 37.43% 37.37% 35.37% 0.00% 0.00%
10.99% 19.28% 19.76% 19.31% 20.85% 24.48% 24.30% 23.65% 21.02% 19.57% 27.12% 25.68%
10.19% 9.83% 9.61% 7.69% 7.71% 5.58% 6.63% 6.79% 7.93% 11.73% 16.14% 19.30%
4.20% 4.23% 4.22% 3.98% 3.97% 3.92% 3.72% 3.72% 3.71% 3.51% 9.17% 9.16%
38.14% 30.18% 30.02% 29.05% 27.54% 26.66% 27.90% 28.38% 29.95% 29.81% 47.57% 45.86%
No. of Shareholders 16,39,15216,11,34116,42,93717,07,47917,37,95520,38,98823,82,67426,11,51227,63,05028,56,37732,94,93932,78,259

* 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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