Federal Bank Ltd

FEDERALBNK

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Market Cap

₹ 65,325 Cr

P/E

16.55

Turned 1 L into 3.91 L in last 5 Years

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

LOW RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Federal Bank is a major private sector bank in India focused on providing a range of banking services, including retail and corporate banking, treasury operations, and more.

The bank has shown remarkable growth in its deposit base, with notable increases in CASA balances, demonstrating a strategic focus on strengthening its liability mix.

Asset quality is steadily improving, with the bank achieving a significant reduction in its Gross NPA and maintaining a strong Provision Coverage Ratio of 73%.

The introduction of significant digital initiatives, such as advanced biometric authentication for UPI transactions, highlights the bank's commitment to enhancing customer experience through technology.

Federal Bank is actively expanding its physical footprint with the addition of 141 new banking outlets, signaling a robust strategic move to increase accessibility and market presence.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

65,325 Cr

Volatility

Low Risk

P/E Ratio

16.6

Industry P/E

19.1

PEG Ratio

1.1

P/B Ratio

1.8

52W High

266.25

52W Low

172.95

Sales CAGR

19.27%

24.50%

14.82%

10Y

14.58%

Profit CAGR

6.98%

28.95%

21.30%

10Y

26.87%

ROE

TTM

11.09%

12.91%

12.11%

10Y

11.12%

ROCE

TTM

6.33%

10.77%

10.55%

10Y

10.77%

Technicals

‌

Forecasts

No. of Analysts

39

1Y Price Target

252.96 ▼ 3.63%

Q3 EPS Estimate

Q3 Revenue Estimate

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
IDBI	98.85	1,06,288 Cr	11.45	1.84	2.12	13.60	6.47	2.22
AUBANK	981.00	73,169 Cr	33.66	4.03	0.10	11.87	7.15	1.53
IDFCFIRSTB	83.86	72,077 Cr	50.22	1.37	0.25	3.09	5.29	0.38
YESBANK	21.76	68,278 Cr	24.18	1.39	0.00	5.76	5.84	0.66
INDUSINDBK	851.30	66,323 Cr	—	1.03	0.00	-1.17	5.51	0.49
FEDERALBNK	265.40	65,325 Cr	16.55	1.80	0.45	11.09	6.33	1.09
BANDHANBNK	151.80	24,438 Cr	19.91	0.99	0.99	4.94	6.39	1.53

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	5,350	5,791	6,085	6,339	6,728	7,006	7,265	7,108	7,151	7,216
Expenses	1,634	1,661	1,814	1,917	2,048	2,149	2,349	2,265	2,506	2,519
Interest	3,255	3,544	3,760	3,936	4,212	4,393	4,570	4,456	4,540	4,429
Financing Profit	461	586	511	486	468	463	346	386	105	267
Financing Margin %	8.62	10.12	8.40	7.67	6.96	6.61	4.76	5.43	1.47	3.70
Other Income	741	757	908	810	936	1,010	931	1,047	1,164	1,105
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	1,202	1,343	1,420	1,296	1,404	1,473	1,277	1,434	1,270	1,373
Tax %	25.84	25.51	25.11	24.97	25.94	25.02	25.70	22.69	25.44	25.73
Net Profit	880	994	1,035	971	1,028	1,096	944	1,091	918	992
EPS in Rs	3.54	4.10	4.18	3.90	4.14	4.42	3.80	4.39	3.70	4.00
Gross NPA %	2.37	2.27	2.28	2.11	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.74	0.68	0.68	0.63	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	8,783	9,915	11,635	13,590	14,314	14,382	17,812	23,565	28,106	28,529
Expenses	2,749	3,331	3,572	4,608	5,527	5,758	5,828	6,792	8,523	9,269
Interest	5,653	6,226	7,316	8,678	8,435	7,959	9,975	14,495	17,631	17,959
Financing Profit	382	358	747	304	352	664	2,009	2,278	1,952	1,301
Financing Margin %	4.35	3.61	6.42	2.24	2.46	4.62	11.28	9.67	6.95	4.56
Other Income	1,084	1,160	1,335	1,882	1,972	2,121	2,436	3,216	3,924	4,153
Depreciation	124	125	122	126	115	139	182	234	288	0.00
Profit Before Tax	1,342	1,393	1,960	2,060	2,209	2,646	4,263	5,261	5,588	5,453
Tax %	36.41	34.71	34.57	24.62	25.42	25.73	25.50	25.35	24.81	25.74
Net Profit	867	935	1,318	1,590	1,680	1,996	3,210	3,964	4,234	4,050
EPS in Rs	—	—	5.32	6.39	6.74	7.97	12.73	15.72	16.75	15.89
Dividend Payout %	18.15	20.58	21.21	0.00	8.42	19.07	6.73	7.25	7.14	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	344	345	394	397	399	399	421	423	487	491
Reserves	7,720	8,607	11,880	13,101	14,424	16,105	18,835	21,699	29,618	34,047
Borrowings	81,469	1,04,008	1,24,299	1,43,585	1,64,780	1,84,457	2,01,265	2,38,850	2,77,615	3,16,079
Other Liabilities	2,021	2,527	2,640	3,469	3,751	4,006	5,721	7,031	10,119	9,534
Total Liabilities	91,554	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
Fixed Assets	508	477	452	462	477	504	643	890	996	1,456
CWIP	16	15	9.62	18	28	13	29	81	67	72
Investments	21,982	27,912	30,595	31,676	35,715	36,732	39,065	48,702	61,043	66,058
Other Assets	69,048	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
Total Assets	91,554	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

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1,557	3,431	-5,051	7,873	3,731	11,179	-7,774	489	6,431	8,801
Cash from Investing Activity	2,495	-2,384	-1,579	-3,378	-4,688	-3,913	901	-9,860	-8,912	-3,799
Cash from Financing Activity	-299	985	8,371	-3,637	3,661	-208	8,193	6,038	3,871	7,401
Net Cash Flow	639	2,031	1,741	858	2,704	7,058	1,320	-3,332	1,390	12,403

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Jul 2023	Sep 2023	Oct 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
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%
FIIs	26.27%	28.02%	27.02%	29.42%	29.39%	28.57%	28.64%	27.72%	26.32%	26.28%	26.86%	25.54%
DIIs	42.29%	43.92%	46.15%	44.44%	44.70%	45.39%	45.19%	47.18%	48.91%	49.07%	48.18%	49.71%
Public	31.44%	28.06%	26.84%	26.14%	25.92%	26.04%	26.17%	25.09%	24.77%	24.65%	24.96%	24.74%
Total Shareholders	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

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Feb 11, 2025	Manians family trust ii	Insider - Connected Person	Acquisition	183.62	17.81 Cr	9,70,000	—

Projection

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Actions

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Announcements

Last 7 days

Newest

Sentiment

Corporate Action

3 days ago

Allotment of Equity Shares

The Federal Bank announced the allotment of 99,588 equity shares following the exercise of stock options under its employee stock option schemes.

Analyst/Investor Meet

5 days ago

Schedule of Analyst/Investor Meet

The Federal Bank has scheduled an Analyst/Investor meeting on December 11, 2025, with Balyasny in Mumbai.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	5,350	5,791	6,085	6,339	6,728	7,006	7,265	7,108	7,151	7,216
Expenses	1,634	1,661	1,814	1,917	2,048	2,149	2,349	2,265	2,506	2,519
Interest	3,255	3,544	3,760	3,936	4,212	4,393	4,570	4,456	4,540	4,429
Financing Profit	461	586	511	486	468	463	346	386	105	267
Financing Margin %	8.62	10.12	8.40	7.67	6.96	6.61	4.76	5.43	1.47	3.70
Other Income	741	757	908	810	936	1,010	931	1,047	1,164	1,105
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	1,202	1,343	1,420	1,296	1,404	1,473	1,277	1,434	1,270	1,373
Tax %	25.84	25.51	25.11	24.97	25.94	25.02	25.70	22.69	25.44	25.73
Net Profit	880	994	1,035	971	1,028	1,096	944	1,091	918	992
EPS in Rs	3.54	4.10	4.18	3.90	4.14	4.42	3.80	4.39	3.70	4.00
Gross NPA %	2.37	2.27	2.28	2.11	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.74	0.68	0.68	0.63	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	8,783	9,915	11,635	13,590	14,314	14,382	17,812	23,565	28,106	28,529
Expenses	2,749	3,331	3,572	4,608	5,527	5,758	5,828	6,792	8,523	9,269
Interest	5,653	6,226	7,316	8,678	8,435	7,959	9,975	14,495	17,631	17,959
Financing Profit	382	358	747	304	352	664	2,009	2,278	1,952	1,301
Financing Margin %	4.35	3.61	6.42	2.24	2.46	4.62	11.28	9.67	6.95	4.56
Other Income	1,084	1,160	1,335	1,882	1,972	2,121	2,436	3,216	3,924	4,153
Depreciation	124	125	122	126	115	139	182	234	288	0.00
Profit Before Tax	1,342	1,393	1,960	2,060	2,209	2,646	4,263	5,261	5,588	5,453
Tax %	36.41	34.71	34.57	24.62	25.42	25.73	25.50	25.35	24.81	25.74
Net Profit	867	935	1,318	1,590	1,680	1,996	3,210	3,964	4,234	4,050
EPS in Rs	—	—	5.32	6.39	6.74	7.97	12.73	15.72	16.75	15.89
Dividend Payout %	18.15	20.58	21.21	0.00	8.42	19.07	6.73	7.25	7.14	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	344	345	394	397	399	399	421	423	487	491
Reserves	7,720	8,607	11,880	13,101	14,424	16,105	18,835	21,699	29,618	34,047
Borrowings	81,469	1,04,008	1,24,299	1,43,585	1,64,780	1,84,457	2,01,265	2,38,850	2,77,615	3,16,079
Other Liabilities	2,021	2,527	2,640	3,469	3,751	4,006	5,721	7,031	10,119	9,534
Total Liabilities	91,554	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
Fixed Assets	508	477	452	462	477	504	643	890	996	1,456
CWIP	16	15	9.62	18	28	13	29	81	67	72
Investments	21,982	27,912	30,595	31,676	35,715	36,732	39,065	48,702	61,043	66,058
Other Assets	69,048	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
Total Assets	91,554	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

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1,557	3,431	-5,051	7,873	3,731	11,179	-7,774	489	6,431	8,801
Cash from Investing Activity	2,495	-2,384	-1,579	-3,378	-4,688	-3,913	901	-9,860	-8,912	-3,799
Cash from Financing Activity	-299	985	8,371	-3,637	3,661	-208	8,193	6,038	3,871	7,401
Net Cash Flow	639	2,031	1,741	858	2,704	7,058	1,320	-3,332	1,390	12,403

Overview

Detailed Summary

Federal Bank is a major private sector bank in India focused on providing a range of banking services, including retail and corporate banking, treasury operations, and more.

The bank has shown remarkable growth in its deposit base, with notable increases in CASA balances, demonstrating a strategic focus on strengthening its liability mix.

Asset quality is steadily improving, with the bank achieving a significant reduction in its Gross NPA and maintaining a strong Provision Coverage Ratio of 73%.

Federal Bank is actively expanding its physical footprint with the addition of 141 new banking outlets, signaling a robust strategic move to increase accessibility and market presence.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

65,325 Cr

Volatility

Low Risk

P/E Ratio

16.6

Industry P/E

19.1

PEG Ratio

1.1

P/B Ratio

1.8

52W High

266.25

52W Low

172.95

Sales CAGR

19.27%

24.50%

14.82%

10Y

14.58%

Profit CAGR

6.98%

28.95%

21.30%

10Y

26.87%

ROE

TTM

11.09%

12.91%

12.11%

10Y

11.12%

ROCE

TTM

6.33%

10.77%

10.55%

10Y

10.77%

Federal Bank Ltd

Federal Bank Ltd

FEDERALBNK

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Industry P/E

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39

252.96 ▼ 3.63%

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Price Chart Comparison

Oscillators

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Overall

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