The Federal Bank Limited, Fundamental analysis

The Federal Bank Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	4
Equity Latest Equity	494.36
Face Value Latest Face Value	2
Reserves Total Reserve	38001.02
Dividend Full Year Dividend %	60
Sales Turnover Full Year Net Sales	34272.42
Net Profit Full Year Net Profit	4319.88
Full Year CPS Full Year Cash Per Share	18.7
Earning Per Share Full Year Earning Per Share	17.5
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	8943.11
Previous EPS Previous earnings per share	0
Book Value Book value	155.7
Networth Full Year Return on Networth	12.02
Price/Book Value Price to Book value	2.299294
Yearly PE ratio Full Year Price to Earning per share	20.5
Yearly PC ratio Full Year Price to Cash Per Share	19.1
Bse value BSE Value in lakhs	225.64
Nse value NSE Value in lakhs	16907.11
High 52 week high	365
Low 52 week low	188
Price NSE Current market price	358
CPM Current market price	358

Market cap BSE / NSE Market Cap	88466.15
Net profit Latest Quarter Net Profit	1256.09
Net profit variance Latest Quarter Net Profit variance	37
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	29821.61
TTM OP Trailing Twelve 12 month Operating Profit	21894.24
TTM OPM Trailing Twelve 12 month Operating Profit Margin	73.42
TTM GP Trailing Twelve 12 month Gross Profit	6334.6
TTM GPM Trailing Twelve 12 month Gross Profit Margin	18.15
TTM NP Trailing Twelve 12 month Net Profit	4129.97
TTM NPV Trailing Twelve 12 month Net Profit Variane	15.64
TTM EPS Trailing Twelve 12 month EPS	18.95
TTM PE Trailing Twelve 12 month PE	18.89
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	494.36
LTP Latest Price (BSE/NSE)	358
Gross block Latest Gross Block	3480.86
Loans Total loans	313490.89
Advances Latest Advances for Banks	277380.66
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	69.8
Year GPM Full Year Gross Profit Margin	17.9
Quarter OPM Latest quater Operation Profit Margin	70.2

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	7,006	7,265	7,108	7,151	7,216	7,360	7,947	7,862
YOY Sales Growth %	21%	19%	12%	6%	3%	1%	12%	10%
Gross Sales	7,006	7,265	7,108	7,151	7,216	7,360	7,947	7,862
+ Expenses	2,149	2,349	2,265	2,506	2,519	2,595	3,017	2,665
Manufacturing Cost %	15%	15%	17%	16%	17%	17%	17%	16%
Employee Cost %	13%	12%	13%	13%	13%	13%	12%	14%
Other Cost %	3%	5%	2%	6%	6%	5%	10%	4%
Other Manufacturing Expenses %	15%	15%	17%	16%	17%	17%	17%	16%
Provisions & Contingencies %	3%	5%	2%	6%	6%	5%	10%	4%
Operating Profit	4,857	4,916	4,843	4,645	4,697	4,766	4,929	5,197
OPM %	69%	68%	68%	65%	65%	65%	62%	66%
+ Other Income	1,010	931	1,047	1,164	1,105	1,143	1,186	1,082
Miscellaneous Income	1,010	931	1,047	1,164	1,105	1,143	1,186	1,082
Interest / Discount on Advances or Bills	5,667	5,918	5,740	5,784	5,855	5,964	6,071	6,371
Interest on Investments	1,135	1,146	1,150	1,133	1,167	1,212	1,255	1,340
Interest on Balances with RBI	108	113	120	151	111	94	103	88
Other Interest	96	88	98	83	83	90	517	62
Interest	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
Profit before tax	1,473	1,277	1,434	1,270	1,373	1,507	1,714	1,741
+ Tax %	25%	26%	23%	25%	26%	25%	19%	25%
Current Tax	369	328	325	323	353	384	320	443
+ Net Profit	1,115	951	1,120	951	1,023	1,125	1,392	1,302
Profit / Loss of Associates	10	3	12	4	3	1	-1	5
Minority Interest (After Tax)	-19	-7	-30	-32	-31	-31	-51	-46
Net Profit After Minority Interest	1,096	944	1,091	918	992	1,094	1,341	1,256
EPS in Rs	4.48	3.85	4.44	3.74	4.04	4.45	5.44	5.09

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	8,783	9,915	11,635	13,590	14,314	14,382	17,812	23,565	28,106	29,674
Sales Growth %		13%	17%	17%	5%	0%	24%	32%	19%	6%
Gross Sales	8,677	9,753	11,635	13,590	14,314	14,382	17,812	23,565	28,106	29,674
+ Expenses	2,936	3,561	3,694	4,734	5,642	5,897	6,010	7,026	8,811	10,637
Manufacturing Cost %	1%	1%	1%	1%	0%	1%	1%	1%	1%	1%
Employee Cost %	14%	13%	12%	14%	15%	17%	14%	14%	13%	13%
Other Cost %	19%	22%	19%	20%	24%	23%	19%	16%	18%	23%
Other Manufacturing Expenses %	1%	1%	1%	1%	0%	1%	1%	1%	1%	1%
Selling & Administration %	5%	5%	5%	5%	5%	5%	5%	4%	4%	5%
Miscellaneous Expenses %	12%	15%	13%	15%	18%	17%	13%	10%	13%	17%
Provisions & Contingencies %	7%	10%	7%	9%	12%	8%	4%	1%	3%	7%
Operating Profit	5,847	6,354	7,941	8,856	8,672	8,485	11,802	16,539	19,295	19,037
OPM %	67%	64%	68%	65%	61%	59%	66%	70%	69%	64%
+ Other Income	1,084	1,160	1,335	1,882	1,972	2,121	2,436	3,216	3,924	4,598
Miscellaneous Income	1,080	1,159	1,335	1,882	1,904	2,024	2,436	3,216	3,924	4,598
Interest / Discount on Advances or Bills	6,546	7,539	9,304	11,045	11,353	11,564	14,508	19,101	22,745	23,674
Interest on Investments	1,801	1,917	2,039	2,186	2,338	2,316	2,782	3,686	4,538	4,768
Interest on Balances with RBI	99	96	73	140	368	220	206	339	443	458
Other Interest	231	201	218	220	254	280	316	440	380	773
Interest	5,653	6,226	7,316	8,678	8,435	7,959	9,975	14,495	17,631	17,772
Depreciation	124	125	122	126	115	139	182	234	288	306
Profit before tax	1,307	1,344	1,960	2,060	2,209	2,646	4,263	5,261	5,588	5,863
+ Tax %	37%	36%	35%	25%	25%	26%	26%	25%	25%	24%
Current Tax	692	480	703	581	583	845	1,086	1,227	1,387	1,223
Deferred Tax	-203	4	-25	-73	-22	-164	1	106	0	157
+ Net Profit	844	905	1,318	1,590	1,680	1,996	3,210	3,964	4,234	4,491
Profit Growth %		6%	46%	21%	6%	19%	62%	24%	7%	7%
Profit / Loss of Associates	14	26	36	38	32	31	34	37	33	8
Minority Interest (After Tax)	0	0	-2	-10	-15	-27	-45	-84	-75	-146
Net Profit After Minority Interest	867	935	1,316	1,580	1,664	1,970	3,165	3,880	4,159	4,345
EPS in Rs	4.95	4.61	6.46	7.79	8.25	9.35	15.01	16.13	17.11	18.19

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	345	394	397	399	399	421	423	487	491	493
Reserves	8,607	11,880	13,101	14,424	16,105	18,835	21,699	29,618	34,047	38,001
+ Borrowings	104,008	124,299	143,585	164,780	184,457	201,265	238,850	277,615	316,079	346,684
Secured Borrowings	6,345	12,329	8,706	12,528	12,271	19,587	25,862	25,160	32,596	33,193
Unsecured Borrowings	97,662	111,970	134,879	152,252	172,186	181,678	212,989	252,455	283,484	313,491
Deferred Credit	1,383	3,468	2,353	2,574	2,169	1,943	3,034	3,599	3,643	6,621
+ Other Liabilities	2,527	2,641	3,469	3,751	4,006	5,721	7,031	10,119	9,534	16,903
Current Liabilities	2,759	2,860	3,706	3,869	4,135	5,776	7,124	9,836	9,216	14,893
Minority Interest	0	0	80	181	217	305	352	820	915	1,069
Equity Application Money	0	0	0	0	0	0	0	0	0	1,549
Total Liabilities	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,152	402,081
+ Fixed Assets	477	452	462	477	504	643	890	996	1,456	1,420
Gross Block	1,285	1,339	1,424	1,463	1,581	1,835	2,212	2,511	3,230	3,481
Accumulated Depreciation	808	887	963	986	1,076	1,191	1,322	1,515	1,775	2,061
CWIP	15	10	18	28	13	29	81	67	72	108
Investments	27,912	30,595	31,676	35,715	36,732	39,065	48,702	61,043	66,058	76,471
+ Other Assets	87,081	108,158	128,397	147,133	167,717	186,504	218,330	255,733	292,567	324,081
Cash Equivalents	7,455	9,195	10,053	12,757	19,816	21,136	17,804	19,194	31,597	26,897
Loans n Advances	79,858	99,182	118,660	134,674	148,248	165,728	200,971	237,076	261,567	297,793
Other asset items	-232	-219	-317	-299	-346	-360	-445	-537	-597	-609
Total Assets	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,152	402,081

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	3,431	-5,051	7,873	3,731	11,179	-7,774	489	6,431	8,801	4,349
Profit from Operations	2,133	2,527	2,973	3,431	4,211	4,340	5,455	5,746	6,491	8,149
Working Capital Changes	1,711	-6,876	5,617	1,000	7,597	-11,220	-3,754	2,008	3,651	-2,595
Profit Before Tax & Extraordinary Items	1,356	1,419	1,994	2,087	2,226	2,651	4,252	5,214	5,545	5,725
Depreciation	124	125	122	126	134	220	223	234	288	306
Profit / Loss on Sale of Assets	0	0	-18	-5	-2	-5	-1	-8	-2	-21
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	-128	-189	252
Provisions & Write-offs (Net)	668	1,009	911	1,261	1,854	1,475	981	434	849	1,886
Loans & Advances	-16,072	-19,679	-19,159	-14,326	-12,209	-15,099	-32,661	-36,617	-27,812	-34,276
Change in Deposits	18,491	14,308	22,909	17,373	19,934	9,491	31,311	39,467	31,029	30,007
Direct Taxes Paid	-414	-702	-717	-701	-629	-893	-1,212	-1,323	-1,341	-1,204
+ Cash from Investing Activity	-2,384	-1,579	-3,378	-4,688	-3,913	901	-9,860	-8,912	-3,799	-11,118
Purchase of Fixed Assets	-95	-96	-144	-154	-130	-296	-484	-328	-755	-308
Sale of Fixed Assets	2	1	22	9	4	7	3	11	4	22
Purchase of Investments	-2,291	-1,485	-3,246	-4,482	-3,789	0	-9,363	-8,691	-3,121	-10,726
Sale of Investments	0	0	0	0	0	1,196	0	99	78	0
Investment in Group Companies	0	0	0	0	0	0	0	0	0	-97
Acquisition of Companies	0	0	-12	-65	0	0	0	0	0	0
Others	0	0	2	4	2	-6	-16	-4	-4	-9
+ Cash from Financing Activity	985	8,371	-3,637	3,661	-208	8,193	6,038	3,871	7,401	2,069
Proceeds from Issue of Shares	21	2,599	159	84	14	927	3	64	4	1,551
Proceeds from Other Long-Term Borrowings	0	0	0	3,821	0	7,317	6,275	200	7,736	597
Repayment of Long-Term Borrowings	0	0	-3,621	0	-257	0	0	-902	-300	0
Dividend Paid	-145	-211	-239	-335	0	-140	-379	-235	-294	-295
Others	1,109	5,982	64	91	36	89	139	4,744	255	216
Net Cash Flow	2,031	1,741	858	2,704	7,058	1,320	-3,332	1,390	12,403	-4,700