IDFC First Bank Ltd

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

₹ 77.3 -0.60%
06 Nov - close price
idfcbank.com BSE: 539437 NSE: IDFCFIRSTB F&O
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 F&O
  • Market Cap ₹ 67,258 Cr.
  • Current Price ₹ 77.3
  • High / Low ₹ 89.6 / 58.1
  • Stock P/E 22.4
  • Book Value ₹ 57.1
  • Dividend Yield 0.32 %
  • ROCE 5.98 %
  • ROE 3.76 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 5.62% over last 3 years.
  • Contingent liabilities of Rs.5,47,886 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.8,370 Cr.
  • Dividend payout has been low at 8.54% 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
7,356 7,880 8,220 8,789 8,957 9,343 9,413 9,642 9,937 10,417 10,553 11,051 11,923
Interest 3,406 3,592 3,750 4,093 4,169 4,440 4,505 4,709 4,824 4,924 4,876 5,077 5,735
4,377 4,874 5,164 5,417 6,270 6,260 6,459 6,589 6,581 7,006 7,106 6,802 7,081
Financing Profit -427 -587 -694 -721 -1,482 -1,358 -1,551 -1,656 -1,468 -1,514 -1,429 -828 -893
Financing Margin % -6% -7% -8% -8% -17% -15% -16% -17% -15% -15% -14% -7% -7%
1,410 1,517 1,642 1,574 1,727 1,780 1,895 2,227 1,891 2,125 1,630 2,310 2,305
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 983 930 948 853 245 422 344 571 424 611 201 1,482 1,412
Tax % 24% 21% 23% 25% 14% 19% 14% 21% 18% 22% -65% 23% 26%
747 732 732 643 212 340 296 453 348 479 331 1,148 1,049
EPS in Rs 1.11 1.04 1.04 0.91 0.28 0.46 0.40 0.62 0.47 0.56 0.38 1.33 1.22
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 Mar 2026 TTM
8,578 9,098 12,204 16,240 15,968 17,173 22,728 30,325 36,502 40,549 43,944
Interest 6,515 7,126 8,743 10,228 8,585 7,465 10,091 13,870 17,208 19,333 20,611
1,432 1,789 4,702 9,760 8,733 12,323 13,338 17,899 23,571 26,422 27,996
Financing Profit 631 184 -1,241 -3,748 -1,350 -2,615 -701 -1,444 -4,277 -5,206 -4,664
Financing Margin % 7% 2% -10% -23% -8% -15% -3% -5% -12% -13% -11%
1,019 1,120 824 1,722 2,211 3,173 4,467 5,932 6,977 7,874 8,370
Depreciation 136 168 2,820 320 343 382 435 631 836 861 0
Profit before tax 1,514 1,135 -3,237 -2,346 519 175 3,331 3,857 1,864 1,807 3,706
Tax % 30% 16% -41% 21% 7% 24% 25% 24% 20% 11%
1,019 880 -1,908 -2,843 483 132 2,485 2,942 1,490 1,611 3,006
EPS in Rs 3.00 2.58 -3.99 -5.91 0.85 0.21 3.75 4.16 2.04 1.87 3.49
Dividend Payout % 25% 29% 0% 0% 0% 0% 0% 0% 12% 13%
Compounded Sales Growth
10 Years: %
5 Years: 20%
3 Years: 21%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: 28%
3 Years: -13%
TTM: 109%
Stock Price CAGR
10 Years: 1%
5 Years: 9%
3 Years: -2%
1 Year: -4%
Return on Equity
10 Years: 3%
5 Years: 6%
3 Years: 6%
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 Mar 2026 Sep 2026
Equity Capital 3,399 3,404 4,782 4,810 5,676 6,218 6,618 7,070 7,322 8,602 8,623
Reserves 11,278 11,870 13,418 10,594 12,224 14,864 19,229 25,204 30,834 38,802 40,612
Deposits 40,098 48,039 70,354 65,079 88,536 105,540 144,470 200,570 252,010 294,312 348,369
Borrowing 50,262 57,287 69,983 57,397 45,786 52,963 57,212 50,936 38,984 36,633 53,968
7,027 5,781 8,563 11,279 10,849 10,561 12,353 12,430 14,759 21,426 18,974
Total Liabilities 112,064 126,382 167,099 149,159 163,072 190,146 239,882 296,210 343,909 399,775 470,545
933 797 940 999 1,370 1,448 2,054 2,720 2,802 2,653 2,651
CWIP 6 3 34 74 65 79 219 95 74 113 0
Investments 50,164 60,904 58,245 45,174 45,182 45,935 60,913 74,500 80,505 85,646 102,270
60,962 64,677 107,880 102,911 116,454 142,684 176,696 218,895 260,528 311,363 365,624
Total Assets 112,064 126,382 167,099 149,159 163,072 190,146 239,882 296,210 343,909 399,775 470,545

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 Mar 2026
14,128 -5,978 17,364 10,966 14,042 2,679 3,563 11,543 14,465 6,817
-4,918 -1,027 -494 -3,790 -2,833 -2,960 -11,996 -9,887 -3,174 -14,121
-6,974 6,742 -12,220 -12,539 -9,598 10,211 6,509 -2,954 -8,673 4,972
Net Cash Flow 2,236 -263 4,649 -5,363 1,610 9,929 -1,924 -1,298 2,618 -2,333
Free Cash Flow 13,861 -6,148 17,092 10,546 13,492 2,200 2,383 10,379 13,579 6,067

Ratios

Consolidated / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 7% 6% -11% -17% 3% 1% 11% 10% 4% 4%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Dec 2018 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Retail, Agri and MSME (RAM) Loan Book
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Customer Deposits (excluding Certificate of Deposits)
Rs. Crore ・Standalone data
Loans & Advances (incl. credit substitutes)
Rs. Crore ・Standalone data
Wholesale Loan Book
Rs. Crore ・Standalone data
Bank Branches
Number ・Standalone data
CASA Ratio
% ・Standalone data
Mobile App Registrations
Million ・Standalone data

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
37.45% 37.43% 37.37% 35.37% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
24.30% 23.65% 21.02% 19.57% 27.12% 25.68% 23.80% 24.64% 36.76% 36.52% 36.10% 36.67%
6.63% 6.79% 7.93% 11.73% 16.14% 19.30% 23.40% 24.33% 22.38% 22.73% 24.35% 25.42%
3.72% 3.72% 3.71% 3.51% 9.17% 9.16% 9.15% 9.14% 7.80% 7.80% 7.79% 7.78%
27.90% 28.38% 29.95% 29.81% 47.57% 45.86% 43.64% 41.89% 33.05% 32.93% 31.73% 30.13%
No. of Shareholders 23,82,67426,11,51227,63,05028,56,37732,94,93932,78,25931,54,46730,40,71528,65,88728,90,40327,89,80326,48,634

* 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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