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

₹ 71.3 1.25%
08 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

Business Overview:[1] [2]
IDFC First Bank is a private sector bank, formed by the merger of IDFC Bank and Capital First in 2018. Since 2019, it has expanded its product range, including loans, deposits, and wealth management, and introduced new products
like home loans, credit cards, FASTag, etc.

Website BSE NSE
  • Market Cap ₹ 61,378 Cr.
  • Current Price ₹ 71.3
  • High / Low ₹ 87.0 / 58.1
  • Stock P/E 37.5
  • Book Value ₹ 54.7
  • Dividend Yield 0.35 %
  • ROCE 5.99 %
  • ROE 3.84 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 26.4% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Company has a low return on equity of 5.72% over last 3 years.
  • Contingent liabilities of Rs.4,40,982 Cr.
  • Earnings include an other income of Rs.7,873 Cr.
  • Dividend payout has been low at 8.38% of profits 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 Banks Private Sector Bank

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
6,424 6,868 7,356 7,879 8,219 8,789 8,957 9,343 9,413 9,642 9,937 10,417 10,553
Interest 2,828 3,123 3,406 3,593 3,750 4,094 4,169 4,441 4,506 4,709 4,824 4,925 4,876
3,918 4,135 4,398 4,895 5,169 5,426 6,285 6,261 6,441 6,580 6,576 6,982 7,118
Financing Profit -321 -390 -448 -609 -700 -731 -1,497 -1,359 -1,534 -1,647 -1,463 -1,490 -1,441
Financing Margin % -5% -6% -6% -8% -9% -8% -17% -15% -16% -17% -15% -14% -14%
1,397 1,414 1,430 1,517 1,642 1,619 1,727 1,780 1,895 2,227 1,891 2,125 1,630
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,076 1,024 982 908 942 888 230 421 361 580 428 635 189
Tax % 25% 25% 23% 21% 23% 23% 13% 19% 16% 20% 18% 21% -68%
803 765 751 716 724 681 201 339 304 463 352 503 319
EPS in Rs 1.21 1.15 1.12 1.01 1.02 0.96 0.27 0.46 0.42 0.63 0.48 0.58 0.37
Gross NPA % 2.51% 2.17% 2.11% 2.04% 1.88% 1.90% 1.92% 1.94% 1.87% 1.97% 1.86% 1.69% 1.61%
Net NPA % 0.86% 0.70% 0.68% 0.68% 0.60% 0.59% 0.48% 0.52% 0.53% 0.55% 0.52% 0.53% 0.48%
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 Mar 2026
0 3,649 8,533 8,930 11,948 16,308 15,968 17,173 22,728 30,322 36,501 40,549
Interest 0 2,802 6,515 7,132 8,749 10,232 8,588 7,467 10,092 13,872 17,210 19,334
3 494 1,425 1,725 4,534 9,871 8,786 12,380 13,410 17,979 23,593 27,256
Financing Profit -3 353 592 73 -1,335 -3,795 -1,406 -2,674 -775 -1,528 -4,301 -6,040
Financing Margin % 10% 7% 1% -11% -23% -9% -16% -3% -5% -12% -15%
0 403 1,013 1,118 852 1,722 2,211 3,222 4,467 6,002 7,022 7,873
Depreciation 0 41 134 163 2,813 305 329 373 425 618 820 0
Profit before tax -3 716 1,471 1,027 -3,295 -2,379 476 175 3,267 3,855 1,900 1,833
Tax % 0% 35% 31% 16% -41% 20% 5% 17% 25% 23% 20% 11%
-3 467 1,020 859 -1,944 -2,864 452 145 2,437 2,957 1,525 1,636
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 1.90
Dividend Payout % 0% 18% 25% 30% 0% 0% 0% 0% 0% 0% 12% 13%
Compounded Sales Growth
10 Years: 27%
5 Years: 20%
3 Years: 21%
TTM: 11%
Compounded Profit Growth
10 Years: 13%
5 Years: 30%
3 Years: -12%
TTM: 8%
Stock Price CAGR
10 Years: 4%
5 Years: 5%
3 Years: 3%
1 Year: 7%
Return on Equity
10 Years: 3%
5 Years: 6%
3 Years: 6%
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 Mar 2026
Equity Capital 0.05 3,393 3,399 3,404 4,782 4,810 5,676 6,218 6,618 7,070 7,322 8,602
Reserves -3 10,240 11,279 11,852 13,378 10,533 12,132 14,786 19,103 25,091 30,756 38,462
Deposits 8,219 40,208 48,198 70,479 65,108 88,688 105,634 144,637 200,576 252,065 294,475
Borrowing 0 57,160 50,262 57,287 69,983 57,397 45,786 52,963 57,212 50,936 38,975 36,621
3 4,204 7,011 5,778 8,563 11,353 10,861 10,581 12,371 12,442 14,701 21,621
Total Liabilities 0 83,216 112,160 126,520 167,185 149,200 163,144 190,182 239,942 296,115 343,819 399,780
0 644 781 781 917 965 1,201 1,282 1,876 2,525 2,596 2,557
CWIP 0 29 5 3 34 73 65 79 214 95 67 0
Investments 0 29,729 50,472 61,202 58,475 45,405 45,412 46,145 61,124 74,710 80,716 85,966
0 52,814 60,901 64,535 107,759 102,758 116,466 142,676 176,728 218,785 260,440 311,257
Total Assets 0 83,216 112,160 126,520 167,185 149,200 163,144 190,182 239,942 296,115 343,819 399,780

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 Mar 2026
0 -13,034 14,247 -5,941 17,293 10,927 14,061 2,604 3,600 11,328 14,395 6,915
0 7,171 -5,074 -1,008 -412 -3,764 -2,826 -2,884 -11,969 -9,792 -3,095 -14,241
0 7,475 -6,974 6,744 -12,207 -12,539 -9,598 10,211 6,509 -2,954 -8,682 4,969
Net Cash Flow 0 1,612 2,198 -205 4,675 -5,376 1,637 9,930 -1,860 -1,418 2,617 -2,357
Free Cash Flow 0 -13,212 13,993 -6,104 17,037 10,534 13,519 2,131 2,447 10,189 13,542 6,178
CFO/OP 0% -406% 204% -78% 232% 172% 188% 51% 42% 98% 113% 54%

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 Mar 2026
ROE % 7% 7% 6% -12% -17% 3% 1% 10% 10% 4% 4%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Total Funded Assets / Loans & Advances
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CASA Ratio
Percentage
Gross NPA (GNPA)
Percentage
Net Interest Margin (NIM)
Percentage
Number of Bank Branches
Numbers
Cost to Income Ratio
Percentage

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
39.93% 39.37% 37.45% 37.43% 37.37% 35.37% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
20.85% 24.48% 24.30% 23.65% 21.02% 19.57% 27.12% 25.68% 23.80% 24.64% 36.76% 36.52%
7.71% 5.58% 6.63% 6.79% 7.93% 11.73% 16.14% 19.30% 23.40% 24.33% 22.38% 22.73%
3.97% 3.92% 3.72% 3.72% 3.71% 3.51% 9.17% 9.16% 9.15% 9.14% 7.80% 7.80%
27.54% 26.66% 27.90% 28.38% 29.95% 29.81% 47.57% 45.86% 43.64% 41.89% 33.05% 32.93%
No. of Shareholders 17,37,95520,38,98823,82,67426,11,51227,63,05028,56,37732,94,93932,78,25931,54,46730,40,71528,65,88728,90,403

* 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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