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	5
Equity Latest Equity	493.61
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	4345.3
Full Year CPS Full Year Cash Per Share	17.6
Earning Per Share Full Year Earning Per Share	17.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	9132.47
Previous EPS Previous earnings per share	0
Book Value Book value	156
Networth Full Year Return on Networth	13
Price/Book Value Price to Book value	2.096154
Yearly PE ratio Full Year Price to Earning per share	18.6
Yearly PC ratio Full Year Price to Cash Per Share	18.6
Bse value BSE Value in lakhs	479.88
Nse value NSE Value in lakhs	15416.91
High 52 week high	334
Low 52 week low	186
Price NSE Current market price	327
CPM Current market price	327

Market cap BSE / NSE Market Cap	80680.2
Net profit Latest Quarter Net Profit	1340.97
Net profit variance Latest Quarter Net Profit variance	23
Result year Trailing latest month	Mar 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	5863.43
TTM GPM Trailing Twelve 12 month Gross Profit Margin	17.11
TTM NP Trailing Twelve 12 month Net Profit	4129.97
TTM NPV Trailing Twelve 12 month Net Profit Variane	4.52
TTM EPS Trailing Twelve 12 month EPS	17.61
TTM PE Trailing Twelve 12 month PE	18.56
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	493.61
LTP Latest Price (BSE/NSE)	327
Gross block Latest Gross Block	3230.23
Loans Total loans	283483.62
Advances Latest Advances for Banks	244995.36
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	55.5
Year GPM Full Year Gross Profit Margin	17.1
Quarter OPM Latest quater Operation Profit Margin	67

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	6,728	7,006	7,265	7,108	7,151	7,216	7,360	7,947
YOY Sales Growth %	26%	21%	19%	12%	6%	3%	1%	12%
Gross Sales	6,728	7,006	7,265	7,108	7,151	7,216	7,360	7,947
+ Expenses	2,048	2,149	2,349	2,265	2,506	2,519	2,595	3,017
Manufacturing Cost %	15%	15%	15%	17%	16%	17%	17%	17%
Employee Cost %	13%	13%	12%	13%	13%	13%	13%	12%
Other Cost %	3%	3%	5%	2%	6%	6%	5%	10%
Other Manufacturing Expenses %	15%	15%	15%	17%	16%	17%	17%	17%
Provisions & Contingencies %	3%	3%	5%	2%	6%	6%	5%	10%
Operating Profit	4,680	4,857	4,916	4,843	4,645	4,697	4,766	4,929
OPM %	70%	69%	68%	68%	65%	65%	65%	62%
+ Other Income	936	1,010	931	1,047	1,164	1,105	1,143	1,186
Miscellaneous Income	936	1,010	931	1,047	1,164	1,105	1,143	1,186
Interest / Discount on Advances or Bills	5,419	5,667	5,918	5,740	5,784	5,855	5,964	6,071
Interest on Investments	1,107	1,135	1,146	1,150	1,133	1,167	1,212	1,255
Interest on Balances with RBI	103	108	113	120	151	111	94	103
Other Interest	99	96	88	98	83	83	90	517
Interest	4,212	4,393	4,570	4,456	4,540	4,429	4,401	4,402
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	1,404	1,473	1,277	1,434	1,270	1,373	1,507	1,714
+ Tax %	26%	25%	26%	23%	25%	26%	25%	19%
Current Tax	364	369	328	325	323	353	384	320
+ Net Profit	1,047	1,115	951	1,120	951	1,023	1,125	1,392
Profit / Loss of Associates	7	10	3	12	4	3	1	-1
Minority Interest (After Tax)	-20	-19	-7	-30	-32	-31	-31	-51
Net Profit After Minority Interest	1,028	1,096	944	1,091	918	992	1,094	1,341
EPS in Rs	4.21	4.48	3.85	4.44	3.74	4.04	4.45	5.44

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

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	7,826	8,783	9,915	11,635	13,590	14,314	14,382	17,812	23,565	28,106
Sales Growth %		12%	13%	17%	17%	5%	0%	24%	32%	19%
Gross Sales	7,748	8,677	9,753	11,635	13,590	14,314	14,382	17,812	23,565	28,106
+ Expenses	2,675	2,936	3,561	3,694	4,734	5,642	5,897	6,010	7,026	8,811
Manufacturing Cost %	1%	1%	1%	1%	1%	0%	1%	1%	1%	1%
Employee Cost %	14%	14%	13%	12%	14%	15%	17%	14%	14%	13%
Other Cost %	20%	19%	22%	19%	20%	24%	23%	19%	16%	18%
Other Manufacturing Expenses %	1%	1%	1%	1%	1%	0%	1%	1%	1%	1%
Selling & Administration %	5%	5%	5%	5%	5%	5%	5%	5%	4%	4%
Miscellaneous Expenses %	13%	12%	15%	13%	15%	18%	17%	13%	10%	13%
Provisions & Contingencies %	9%	7%	10%	7%	9%	12%	8%	4%	1%	3%
Operating Profit	5,152	5,847	6,354	7,941	8,856	8,672	8,485	11,802	16,539	19,295
OPM %	66%	67%	64%	68%	65%	61%	59%	66%	70%	69%
+ Other Income	808	1,084	1,160	1,335	1,882	1,972	2,121	2,436	3,216	3,924
Miscellaneous Income	792	1,080	1,159	1,335	1,882	1,904	2,024	2,436	3,216	3,924
Interest / Discount on Advances or Bills	5,669	6,546	7,539	9,304	11,045	11,353	11,564	14,508	19,101	22,745
Interest on Investments	1,763	1,801	1,917	2,039	2,186	2,338	2,316	2,782	3,686	4,538
Interest on Balances with RBI	56	99	96	73	140	368	220	206	339	443
Other Interest	260	231	201	218	220	254	280	316	440	380
Interest	5,259	5,653	6,226	7,316	8,678	8,435	7,959	9,975	14,495	17,631
Depreciation	108	124	125	122	126	115	139	182	234	288
Profit before tax	720	1,307	1,344	1,960	2,060	2,209	2,646	4,263	5,261	5,588
+ Tax %	35%	37%	36%	35%	25%	25%	26%	26%	25%	25%
Current Tax	346	692	480	703	581	583	845	1,086	1,227	1,387
Deferred Tax	-96	-203	4	-25	-73	-22	-164	1	106	0
+ Net Profit	474	844	905	1,318	1,590	1,680	1,996	3,210	3,964	4,234
Profit Growth %		75%	6%	46%	21%	6%	19%	62%	24%	7%
Profit / Loss of Associates	-1	14	26	36	38	32	31	34	37	33
Minority Interest (After Tax)	0	0	0	-2	-10	-15	-27	-45	-84	-75
Net Profit After Minority Interest	486	867	935	1,316	1,580	1,664	1,970	3,165	3,880	4,159
EPS in Rs	2.84	4.95	4.61	6.46	7.79	8.25	9.35	15.01	16.13	17.11

Balance Sheet (consolidated, figures in Rs Cr.)

	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	84,407	104,008	124,299	143,585	164,780	184,457	201,265	238,850	277,615	316,079
Secured Borrowings	5,236	6,345	12,329	8,706	12,528	12,271	19,587	25,862	25,160	32,596
Unsecured Borrowings	79,171	97,662	111,970	134,879	152,252	172,186	181,678	212,989	252,455	283,484
Deferred Credit	460	1,383	3,468	2,353	2,574	2,169	1,943	3,034	3,599	3,643
+ Other Liabilities	2,234	2,527	2,641	3,469	3,751	4,006	5,721	7,031	10,119	9,626
Current Liabilities	2,491	2,759	2,860	3,706	3,869	4,135	5,776	7,124	9,836	9,308
Provisions	120	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	80	181	217	305	352	820	915
Total Liabilities	94,706	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,244
+ Fixed Assets	508	477	452	462	477	504	643	890	996	1,456
Gross Block	1,208	1,285	1,339	1,424	1,463	1,581	1,835	2,212	2,511	3,230
Accumulated Depreciation	700	808	887	963	986	1,076	1,191	1,322	1,515	1,775
CWIP	16	15	10	18	28	13	29	81	67	72
Investments	24,920	27,912	30,595	31,676	35,715	36,732	39,065	48,702	61,043	66,058
+ Other Assets	69,262	87,081	108,158	128,397	147,133	167,717	186,504	218,330	255,733	292,658
Cash Equivalents	5,423	7,455	9,195	10,053	12,757	19,816	21,136	17,804	19,194	31,597
Loans n Advances	64,095	79,858	99,182	118,660	134,674	148,248	165,728	200,971	237,076	261,658
Other asset items	-257	-232	-219	-317	-299	-346	-360	-445	-537	-597
Total Assets	94,706	115,486	139,214	160,552	183,353	204,967	226,241	268,004	317,839	360,244

Cash Flow (consolidated, figures in Rs Cr.)

	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
Profit from Operations	1,588	2,133	2,527	2,973	3,431	4,211	4,340	5,455	5,746	6,491
Working Capital Changes	-3,101	1,711	-6,876	5,617	1,000	7,597	-11,220	-3,754	2,008	3,651
Profit Before Tax & Extraordinary Items	737	1,356	1,419	1,994	2,087	2,226	2,651	4,252	5,214	5,545
Depreciation	108	124	125	122	126	134	220	223	234	288
Profit / Loss on Sale of Assets	0	0	0	-18	-5	-2	-5	-1	-8	-2
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	0	-128	-189
Provisions & Write-offs (Net)	741	668	1,009	911	1,261	1,854	1,475	981	434	849
Loans & Advances	-7,446	-16,072	-19,679	-19,159	-14,326	-12,209	-15,099	-32,661	-36,617	-27,812
Change in Deposits	8,348	18,491	14,308	22,909	17,373	19,934	9,491	31,311	39,467	31,029
Direct Taxes Paid	-43	-414	-702	-717	-701	-629	-893	-1,212	-1,323	-1,341
+ Cash from Investing Activity	1,990	-2,384	-1,579	-3,378	-4,688	-3,913	901	-9,860	-8,912	-3,799
Purchase of Fixed Assets	-161	-95	-96	-144	-154	-130	-296	-484	-328	-755
Sale of Fixed Assets	2	2	1	22	9	4	7	3	11	4
Purchase of Investments	0	-2,291	-1,485	-3,246	-4,482	-3,789	0	-9,363	-8,691	-3,121
Sale of Investments	2,150	0	0	0	0	0	1,196	0	99	78
Acquisition of Companies	0	0	0	-12	-65	0	0	0	0	0
Others	0	0	0	2	4	2	-6	-16	-4	-4
+ Cash from Financing Activity	205	985	8,371	-3,637	3,661	-208	8,193	6,038	3,871	7,401
Proceeds from Issue of Shares	22	21	2,599	159	84	14	927	3	64	4
Proceeds from Other Long-Term Borrowings	0	0	0	0	3,821	0	7,317	6,275	200	7,736
Repayment of Long-Term Borrowings	0	0	0	-3,621	0	-257	0	0	-902	-300
Dividend Paid	-227	-145	-211	-239	-335	0	-140	-379	-235	-294
Others	410	1,109	5,982	64	91	36	89	139	4,744	255
Net Cash Flow	639	2,031	1,741	858	2,704	7,058	1,320	-3,332	1,390	12,403