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

₹ 64.9 -3.05%
30 Apr - 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 ₹ 47,508 Cr.
  • Current Price ₹ 64.9
  • High / Low ₹ 84.5 / 52.5
  • Stock P/E 31.9
  • Book Value ₹ 51.9
  • Dividend Yield 0.00 %
  • ROCE 6.22 %
  • ROE 4.24 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 20.3% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.88% over last 3 years.
  • Contingent liabilities of Rs.3,05,986 Cr.
  • Earnings include an other income of Rs.6,977 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

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
4,554 4,922 5,470 5,912 6,424 6,869 7,356 7,880 8,220 8,789 8,957 9,343 9,413
Interest 1,884 2,170 2,467 2,626 2,827 3,122 3,406 3,592 3,750 4,093 4,169 4,440 4,505
3,031 2,957 3,304 3,612 3,901 4,114 4,377 4,874 5,164 5,417 6,270 6,260 6,459
Financing Profit -361 -205 -301 -326 -303 -367 -427 -587 -694 -721 -1,482 -1,358 -1,551
Financing Margin % -8% -4% -6% -6% -5% -5% -6% -7% -8% -8% -17% -15% -16%
831 856 1,061 1,152 1,398 1,364 1,410 1,517 1,642 1,574 1,727 1,780 1,895
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 470 650 760 827 1,094 996 983 930 948 853 245 422 344
Tax % 25% 25% 25% 25% 25% 27% 24% 21% 23% 25% 14% 19% 14%
352 485 567 617 816 732 747 732 732 643 212 340 296
EPS in Rs 0.57 0.78 0.91 0.99 1.23 1.10 1.11 1.04 1.04 0.91 0.28 0.46 0.40
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
8,578 9,098 12,204 16,240 15,968 17,173 22,728 30,325 36,502
Interest 6,515 7,126 8,743 10,228 8,585 7,465 10,091 13,870 17,208
1,432 1,789 4,702 9,760 8,733 12,323 13,338 17,899 24,406
Financing Profit 631 184 -1,241 -3,748 -1,350 -2,615 -701 -1,444 -5,112
Financing Margin % 7% 2% -10% -23% -8% -15% -3% -5% -14%
1,019 1,120 824 1,722 2,211 3,173 4,467 5,932 6,977
Depreciation 136 168 2,820 320 343 382 435 631 0
Profit before tax 1,514 1,135 -3,237 -2,346 519 175 3,331 3,857 1,864
Tax % 30% 16% -41% 21% 7% 24% 25% 24% 20%
1,019 880 -1,908 -2,843 483 132 2,485 2,942 1,490
EPS in Rs 3.00 2.58 -3.99 -5.91 0.85 0.21 3.75 4.16 2.04
Dividend Payout % 25% 29% 0% 0% 0% 0% 0% 0% 12%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 29%
TTM: 20%
Compounded Profit Growth
10 Years: %
5 Years: 20%
3 Years: 122%
TTM: -49%
Stock Price CAGR
10 Years: %
5 Years: 24%
3 Years: 18%
1 Year: -21%
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 8%
Last Year: 4%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 3,399 3,404 4,782 4,810 5,676 6,218 6,618 7,070 7,322
Reserves 11,278 11,870 13,418 10,594 12,224 14,864 19,229 25,204 30,685
Deposits 40,098 48,039 70,354 65,079 88,536 105,540 144,470 200,570 252,010
Borrowing 50,262 57,287 69,983 57,397 45,786 52,963 57,212 50,936 38,984
7,027 5,781 8,563 11,279 10,849 10,561 12,353 12,430 14,908
Total Liabilities 112,064 126,382 167,099 149,159 163,072 190,146 239,882 296,210 343,909
933 797 940 999 1,370 1,448 2,054 2,720 2,736
CWIP 6 3 34 74 65 79 219 95 0
Investments 50,164 60,904 58,245 45,174 45,182 45,935 60,913 74,500 80,505
60,962 64,677 107,880 102,911 116,454 142,684 176,696 218,895 260,667
Total Assets 112,064 126,382 167,099 149,159 163,072 190,146 239,882 296,210 343,909

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
14,128 -5,978 17,364 10,966 14,042 2,679 3,563 11,543 14,465
-4,918 -1,027 -494 -3,790 -2,833 -2,960 -11,996 -9,887 -3,478
-6,974 6,742 -12,220 -12,539 -9,598 10,211 6,509 -2,954 -8,673
Net Cash Flow 2,236 -263 4,649 -5,363 1,610 9,929 -1,924 -1,298 2,314

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 6% -11% -17% 3% 1% 11% 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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Documents

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