Federal Bank Ltd logo

Federal Bank Ltd

FEDERALBNK NSE

Key Fundamentals

MidcapPrivate BankBanks
Market Cap
₹86,786 Cr
Volatility
Moderate
P/E Ratio
18.75
EBITDA
₹6,169 Cr
Return on Equity
10.91%
Debt to Equity
0
Book Value
₹155.84
EPS
₹16.45
52W High
₹371.7
52W Low
₹188.4

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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63 extracted metrics + investor summaries across FY10–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Weaknesses

5
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.9% over last 3 years.
  • Contingent liabilities of Rs.2,99,451 Cr.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 7.14% of profits over last 3 years

Growth Rate

Revenue Growth
7.00% ↗
Net Income Growth
6.71% ↗
Cash Flow Change
-50.58% ↘
ROE
-7.93% ↘
ROCE
-8.84% ↘
EBITDA Margin (Avg.)
-4.82% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk medium

Federal Bank Ltd trades at a market cap of Rs.87,379 Cr with a PE of 18.1x and PB of 2.28x. The bank has delivered strong stock price CAGR of 38% over 3 years and 33% over 5 years, while maintaining a 3-year ROE of approximately 13%, though recent TTM revenue growth has moderated to 7%.

Bull Case 8
  • Strong stock price CAGR of 82% over the last 1 year, indicating significant market re-rating
  • Consistent long-term profit compounding at 24% CAGR over 10 years demonstrates sustained earnings growth trajectory
  • 5-year compounded profit growth of 21% shows the bank has scaled earnings meaningfully over a medium-term horizon
  • Revenue CAGR of 19% over 3 years and 16% over 5 years reflects healthy top-line expansion
  • 3-year and 5-year ROE stable at 13% indicates consistent return generation on shareholder equity
  • 10-year compounded sales growth of 14% shows long-term business scalability in a competitive banking sector
  • PE of 18.1x is reasonable relative to the bank's profit growth track record of 21% over 5 years, suggesting growth is not excessively priced
  • Stock price CAGR of 33% over 5 years and 19% over 10 years reflects sustained long-term wealth creation
Bear Case 8
  • Contingent liabilities of Rs.2,99,451 Cr represent a substantial off-balance-sheet risk relative to market cap of Rs.87,379 Cr
  • TTM revenue growth has decelerated sharply to 7% from the 3-year CAGR of 19%, signaling potential slowdown in business momentum
  • Low dividend payout of only 7.14% of profits over last 3 years with a dividend yield of just 0.34% offers minimal income return to shareholders
  • ROE of 12-13% over 3-5 years is modest for a bank trading at 2.28x book value, implying the market is pricing in improvement that is yet to materialize
  • Low interest coverage ratio raises concerns about the bank's ability to service debt obligations comfortably
  • Potential capitalization of interest costs may be flattering reported profitability and asset quality metrics
  • Last year ROE dipped to 12% from the 3-year average of 13%, suggesting return on equity may be trending lower rather than improving
  • PB ratio of 2.28x is elevated for a bank delivering only 12-13% ROE, as fair value for such ROE levels is typically closer to 1.5-1.8x book

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 4
  • Q1 profit surges 36.6% YoY Jul 22

    Net profit jumped 36.57% YoY to ₹1,176.93 crore in Q1FY27, with Net NPA falling to a decadal low of 0.18% and deposits growing 11.37% to ₹3,20,117.66 crore.

  • Strong ESG and green loan book Jul 30

    BRSR FY26 highlights green loan portfolio of ₹10,489 crore, coal exposure reduced to 0.35%, and reasonable assurance on core ESG metrics by Bureau Veritas.

  • ₹1.20 per share dividend proposed Jul 29

    Board recommends dividend of ₹1.20 per share for FY26, to be approved at the 95th AGM scheduled for August 21, 2026.

  • Rs 10,000 crore capital raise approved Jul 17

    Board approved raising Rs 10,000 crore via debt instruments to strengthen the balance sheet and support future growth.

Neutral 3
  • Active institutional investor engagement Aug 6

    Federal Bank held multiple one-on-one meetings with major institutional investors including Blackstone, HDFC MF, Axis MF, Nippon MF, and others across Aug 4-6 in Mumbai.

  • AGM set for August 21, 2026 Jul 29

    The 95th AGM is scheduled for August 21, 2026, with remote e-voting facility available for shareholders.

  • Q1 FY27 earnings call hosted Jul 9

    Investor/analyst conference call was held on July 17, 2026 at 5:30 PM IST to discuss Q1 FY2027 results and business updates.

TL;DR: Federal Bank is firing on multiple cylinders — Q1FY27 delivered robust 36.6% profit growth, asset quality hit a decadal best at 0.18% Net NPA, and deposits grew at a healthy 11.37%. The ESG positioning and capital raise plans signal management confidence in sustained growth. No material headwinds are visible in recent news flow. The trend is clearly improving, and the heavy institutional engagement suggests growing buy-side interest ahead of what could be a strong FY27.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
5,350
5,791
6,085
6,339
6,728
7,006
7,265
7,108
7,151
7,216
7,360
7,947
7,862
Expenses
1,634
1,661
1,814
1,917
2,048
2,149
2,349
2,265
2,506
2,519
2,595
3,017
2,665
Financing Profit
461
586
511
486
468
463
346
386
105
267
365
528
659
Fin. Margin %
9%
10%
8%
8%
7%
7%
5%
5%
1%
4%
5%
7%
8%
Other Income
741
757
908
810
936
1,010
931
1,047
1,164
1,105
1,143
1,186
1,082
Interest
3,255
3,544
3,760
3,936
4,212
4,393
4,570
4,456
4,540
4,429
4,401
4,402
4,538
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
1,202
1,343
1,420
1,296
1,404
1,473
1,277
1,434
1,270
1,373
1,507
1,714
1,741
Tax %
26%
26%
25%
25%
26%
25%
26%
23%
25%
26%
25%
19%
25%
Net Profit
894
1,007
1,067
996
1,047
1,115
951
1,120
951
1,023
1,125
1,392
1,302
EPS in Rs
4.16
4.23
4.26
3.99
4.2
4.47
3.85
4.44
3.74
4.03
4.44
5.44
5.09
Gross NPA %
2.37%
2.27%
2.28%
2.11%
—
—
—
—
—
—
—
—
—
Net NPA %
0.74%
0.68%
0.68%
0.63%
—
—
—
—
—
—
—
—
—
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
7,488
7,826
8,783
9,915
11,635
13,590
14,314
14,382
17,812
23,565
28,106
29,674
30,385
Expenses
1,701
2,529
2,749
3,331
3,572
4,608
5,527
5,758
5,828
6,792
8,523
10,332
10,796
Financing Profit
731
38
382
358
747
304
352
664
2,009
2,278
1,952
1,571
1,819
Fin. Margin %
10%
0%
4%
4%
6%
2%
2%
5%
11%
10%
7%
5%
6%
Other Income
879
808
1,084
1,160
1,335
1,882
1,972
2,121
2,436
3,216
3,924
4,598
4,515
Interest
5,056
5,259
5,653
6,226
7,316
8,678
8,435
7,959
9,975
14,495
17,631
17,772
17,770
Depreciation
79
108
124
125
122
126
115
139
182
234
288
306
0
PBT
1,530
739
1,342
1,393
1,960
2,060
2,209
2,646
4,263
5,261
5,588
5,863
6,335
Tax %
34%
34%
36%
35%
35%
25%
25%
26%
26%
25%
25%
24%
—
Net Profit
1,058
486
867
935
1,318
1,590
1,680
1,996
3,210
3,964
4,234
4,491
4,843
EPS in Rs
6.17
2.83
5.03
4.74
6.63
7.93
8.34
9.37
14.95
15.93
16.93
17.63
19
Div. Payout %
18%
25%
18%
21%
21%
0%
8%
19%
7%
8%
7%
7%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
171
344
345
394
397
399
399
421
423
487
491
493
Reserves
7,529
7,720
8,607
11,880
13,101
14,424
16,105
18,835
21,699
29,618
34,047
39,550
Borrowing
2,393
5,236
6,345
12,329
8,706
12,528
12,271
19,587
25,862
25,160
32,596
33,193
Deposits
70,823
79,171
97,662
1,11,970
1,34,879
1,52,252
1,72,186
1,81,678
2,12,988
2,52,455
2,83,484
3,13,491
Other Liabilities
1,993
2,234
2,527
2,640
3,469
3,751
4,006
5,721
7,031
10,119
9,534
15,354
Total Liabilities
82,909
94,706
1,15,486
1,39,214
1,60,552
1,83,353
2,04,967
2,26,241
2,68,004
3,17,839
3,60,152
4,02,081
Fixed Assets
446
508
477
452
462
477
504
643
890
996
1,456
1,420
CWIP
27
16
15
10
18
28
13
29
81
67
72
108
Investments
20,349
24,920
27,912
30,595
31,676
35,715
36,732
39,065
48,702
61,043
66,058
76,471
Other Assets
62,087
69,262
87,081
1,08,158
1,28,397
1,47,133
1,67,717
1,86,504
2,18,330
2,55,733
2,92,567
3,24,081
Total Assets
82,909
94,706
1,15,486
1,39,214
1,60,552
1,83,353
2,04,967
2,26,241
2,68,004
3,17,839
3,60,152
4,02,081
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
5,158
-1,557
3,431
-5,051
7,873
3,731
11,179
-7,774
489
6,431
8,801
4,349
Investing
-1,364
1,990
-2,384
-1,579
-3,378
-4,688
-3,913
901
-9,860
-8,912
-3,799
-11,118
Financing
-3,544
205
985
8,371
-3,637
3,661
-208
8,193
6,038
3,871
7,401
2,069
Net Cash Flow
250
639
2,032
1,741
858
2,704
7,058
1,320
-3,332
1,390
12,403
-4,700
Free Cash Flow
5,039
-1,717
3,338
-5,145
7,750
3,585
11,053
-8,062
8
6,114
8,050
4,063
CFO/OP
100
-29
64
-66
107
49
134
-80
14
46
52
29
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
15%
6%
10%
9%
10%
11%
11%
11%
15%
15%
13%
12%

Shareholding Pattern

As of Jun 2026
DIIs 49.28%
FIIs 27.71%
Public 16.09%
Others 6.91%
Total 99.99%
  Mar 2021Jun 2021Jul 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Jul 2023Sep 2023Oct 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%
29.42%
29.39%
28.57%
28.64%
27.72%
26.32%
26.28%
26.86%
25.54%
24.94%
26.05%
27.71%
DIIs
42.04%
43.44%
41.69%
42.07%
41.14%
41.85%
40.62%
42.64%
42.36%
43.79%
41.08%
43.92%
44.66%
44.44%
44.70%
45.38%
45.19%
47.18%
48.90%
49.07%
48.17%
49.71%
51.11%
50.39%
49.28%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.01%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
29.82%
29.32%
27.89%
28.97%
30.27%
27.78%
28.10%
20.52%
20.32%
20.68%
22.94%
20.15%
19.15%
18.69%
18.38%
18.80%
18.79%
17.89%
17.58%
17.53%
17.78%
17.60%
16.81%
16.53%
16.09%
Others
28.14%
27.24%
30.42%
28.96%
28.59%
30.37%
31.28%
36.83%
37.31%
35.53%
35.97%
35.92%
36.19%
7.45%
7.53%
7.24%
7.38%
7.20%
7.20%
7.12%
7.18%
7.14%
7.15%
7.03%
6.91%
No. of Shareholders
5,29,134
5,71,461
5,93,595
6,19,063
7,79,303
7,23,623
7,54,488
6,90,752
7,07,157
7,36,674
8,09,397
8,06,326
7,82,900
7,87,713
7,96,959
8,70,010
8,55,887
8,51,199
8,51,174
8,47,981
8,51,049
8,48,372
8,23,258
8,21,700
8,11,380

Documents

Frequently Asked Questions about Federal Bank Ltd

What does Federal Bank Ltd do?
The Federal Bank Limited (‘the Bank’) was incorporated in 1931 as Travancore Federal Bank Limited. It provides retail and corporate banking, para banking activities such as debit card, third party product distribution etc., treasury and foreign exchange business.[1].It is the second-largest bank ...
Where is Federal Bank Ltd (FEDERALBNK) listed?
Federal Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: FEDERALBNK and BSE: 500469. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Federal Bank Ltd belong to?
Federal Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Federal Bank Ltd?
Federal Bank Ltd has a market capitalisation of approximately ₹86786.31 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Federal Bank Ltd?
The Price-to-Earnings (PE) ratio of Federal Bank Ltd is 18.75. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Federal Bank Ltd?
Over the past 52 weeks, Federal Bank Ltd has traded between a low of ₹188.4 and a high of ₹371.7. This range helps investors understand the stock's price volatility and recent trading levels.
Does Federal Bank Ltd pay dividends?
Yes, Federal Bank Ltd has a dividend yield of 0.34%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Federal Bank Ltd?
Federal Bank Ltd has a Return on Equity (ROE) of 10.91%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Federal Bank Ltd on Tapetide?
On Tapetide, you can view Federal Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

The Federal Bank Limited (‘the Bank’) was incorporated in 1931 as Travancore Federal Bank Limited. It provides retail and corporate banking, para banking activities such as debit card, third party product distribution etc., treasury and foreign exchange business.[1].It is the second-largest bank and the largest private sector bank in Kerala[2]

Website federalbank.co.in
CEO Mr. Krishnan Venkat Subramanian
Employees 15,545
Listed 1995-02-08
Face Value ₹ 2
Issued Size 2,46,30,54,121

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