IDFC First Bank Ltd, Fundamental analysis

IDFC First Bank Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	9
Equity Latest Equity	8621.22
Face Value Latest Face Value	10
Reserves Total Reserve	39845.76
Dividend Full Year Dividend %	3
Sales Turnover Full Year Net Sales	48422.39
Net Profit Full Year Net Profit	1608.88
Full Year CPS Full Year Cash Per Share	2.9
Earning Per Share Full Year Earning Per Share	1.9
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	13360.69
Previous EPS Previous earnings per share	0
Book Value Book value	56.2
Networth Full Year Return on Networth	3.76
Price/Book Value Price to Book value	1.512456
Yearly PE ratio Full Year Price to Earning per share	45.5
Yearly PC ratio Full Year Price to Cash Per Share	29.7
Bse value BSE Value in lakhs	457
Nse value NSE Value in lakhs	6206.43
High 52 week high	89
Low 52 week low	58
Price NSE Current market price	85
CPM Current market price	85

Market cap BSE / NSE Market Cap	73426.93
Net profit Latest Quarter Net Profit	1147.82
Net profit variance Latest Quarter Net Profit variance	153
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	40305.58
TTM OP Trailing Twelve 12 month Operating Profit	18580.12
TTM OPM Trailing Twelve 12 month Operating Profit Margin	46.1
TTM GP Trailing Twelve 12 month Gross Profit	2717.4
TTM GPM Trailing Twelve 12 month Gross Profit Margin	5.44
TTM NP Trailing Twelve 12 month Net Profit	2318.57
TTM NPV Trailing Twelve 12 month Net Profit Variane	77.14
TTM EPS Trailing Twelve 12 month EPS	2.67
TTM PE Trailing Twelve 12 month PE	31.9
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	8621.22
LTP Latest Price (BSE/NSE)	85
Gross block Latest Gross Block	6621.35
Loans Total loans	294312.16
Advances Latest Advances for Banks	280390.6
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	45.4
Year GPM Full Year Gross Profit Margin	5.5
Quarter OPM Latest quater Operation Profit Margin	49.1

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	8,957	9,343	9,413	9,642	9,937	10,417	10,553	11,051
YOY Sales Growth %	22%	19%	15%	10%	11%	11%	12%	15%
Gross Sales	8,957	9,343	9,413	9,642	9,937	10,417	10,553	11,051
+ Expenses	6,271	6,260	6,459	6,589	6,581	7,006	7,106	6,802
Manufacturing Cost %	33%	35%	35%	33%	33%	34%	40%	32%
Employee Cost %	18%	17%	18%	18%	19%	20%	19%	19%
Other Cost %	19%	14%	15%	17%	15%	13%	8%	10%
Other Manufacturing Expenses %	33%	35%	35%	33%	33%	34%	40%	32%
Provisions & Contingencies %	19%	14%	15%	17%	15%	13%	8%	10%
Operating Profit	2,687	3,083	2,954	3,053	3,356	3,411	3,446	4,249
OPM %	30%	33%	31%	32%	34%	33%	33%	38%
+ Other Income	1,727	1,780	1,895	2,227	1,891	2,125	1,630	2,310
Miscellaneous Income	1,727	1,780	1,895	2,227	1,891	2,125	1,630	2,310
Interest / Discount on Advances or Bills	7,581	7,915	7,971	8,136	8,320	8,776	8,967	9,438
Interest on Investments	1,282	1,314	1,395	1,432	1,479	1,526	1,512	1,475
Interest on Balances with RBI	33	29	28	25	34	34	38	61
Other Interest	61	85	19	49	104	81	36	76
Interest	4,169	4,440	4,505	4,709	4,824	4,924	4,876	5,077
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	245	422	344	571	424	611	201	1,482
+ Tax %	14%	19%	14%	21%	18%	22%	-65%	23%
Current Tax	33	82	49	118	76	133	-130	334
+ Net Profit	212	340	296	453	348	479	331	1,148
Net Profit After Minority Interest	212	340	296	453	348	479	331	1,148
EPS in Rs	0.28	0.46	0.40	0.62	0.35	0.54	0.38	1.33

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	8,578	9,098	12,204	16,240	15,968	17,173	22,728	30,325	36,502	40,549
Sales Growth %		6%	34%	33%	-2%	8%	32%	33%	20%	11%
Gross Sales	8,533	8,930	12,204	16,263	15,968	17,173	22,728	30,325	36,502	40,549
+ Expenses	1,477	1,896	7,337	10,004	9,075	12,705	13,773	18,529	24,406	27,282
Manufacturing Cost %	0%	0%	1%	1%	1%	1%	1%	1%	1%	1%
Employee Cost %	7%	9%	10%	11%	14%	18%	19%	19%	18%	19%
Other Cost %	10%	12%	49%	49%	42%	55%	41%	42%	48%	48%
Other Manufacturing Expenses %	0%	0%	1%	1%	1%	1%	1%	1%	1%	1%
Selling & Administration %	2%	3%	3%	4%	4%	5%	5%	5%	5%	5%
Miscellaneous Expenses %	7%	8%	24%	44%	35%	48%	34%	34%	41%	41%
Provisions & Contingencies %	3%	3%	12%	27%	13%	18%	7%	8%	15%	13%
Operating Profit	7,102	7,203	4,867	6,236	6,893	4,467	8,955	11,796	12,095	13,266
OPM %	83%	79%	40%	38%	43%	26%	39%	39%	33%	33%
+ Other Income	1,019	1,120	824	1,722	2,211	3,173	4,467	5,932	6,977	7,874
Miscellaneous Income	1,013	1,118	852	1,722	2,208	3,173	4,467	5,932	6,977	7,874
Interest / Discount on Advances or Bills	5,088	4,723	8,081	12,030	12,633	14,174	19,159	25,916	30,835	34,199
Interest on Investments	3,289	4,041	3,906	3,917	3,039	2,615	3,232	4,118	5,317	5,950
Interest on Balances with RBI	57	8	23	81	112	241	149	94	115	131
Other Interest	98	157	194	235	184	142	188	198	235	270
Exceptional Income	0	126	0	0	0	0	0	0	0	0
Interest	6,515	7,126	8,743	10,228	8,585	7,465	10,091	13,870	17,208	19,333
Depreciation	136	168	2,820	320	343	382	435	631	836	861
Profit before tax	1,471	1,027	-3,210	-2,346	519	175	3,331	3,857	1,864	1,807
+ Tax %	31%	17%	41%	-21%	7%	24%	25%	24%	20%	11%
Current Tax	-4	-2	-67	1	36	-5	347	669	481	333
Deferred Tax	455	182	-1,262	497	0	48	499	246	-107	-136
+ Net Profit	976	784	-1,880	-2,843	483	132	2,485	2,942	1,490	1,611
Profit Growth %		-16%	-319%	51%	-117%	-73%	1778%	18%	-49%	8%
Extraordinary Income / Expense	0	126	-2,599	0	0	0	0	0	0	0
Exceptional Item	0	0	-2,599	0	0	0	0	0	0	0
Profit / Loss of Associates	-44	-76	0	0	0	0	0	0	0	0
Net Profit After Minority Interest	1,019	880	-1,908	-2,843	483	132	2,485	2,942	1,490	1,611
EPS in Rs	3.13	2.81	0.00	-5.91	0.85	0.21	3.75	4.16	2.04	1.87

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	3,399	3,404	4,782	4,810	5,676	6,218	6,618	7,070	7,322	8,602
Reserves	11,277	11,870	13,418	10,594	12,224	14,864	19,229	25,204	30,834	38,802
+ Borrowings	90,360	105,327	140,337	122,476	134,322	158,502	201,682	251,506	290,994	330,945
Secured Borrowings	50,262	57,287	69,983	57,397	45,786	52,963	57,212	50,936	38,984	36,633
Unsecured Borrowings	40,098	48,039	70,354	65,079	88,536	105,540	144,470	200,570	252,010	294,312
Deferred Credit	1,612	1,968	6,868	4,668	2,876	2,135	416	319	775	8,428
+ Other Liabilities	7,028	5,781	8,563	11,279	10,850	10,561	12,353	12,430	14,759	21,426
Current Liabilities	7,222	5,969	8,667	11,354	10,938	10,659	12,480	12,611	15,070	21,684
Equity Application Money	1	0	0	0	0	0	0	0	0	0
Total Liabilities	112,064	126,382	167,099	149,159	163,072	190,146	239,882	296,210	343,909	399,775
+ Fixed Assets	933	797	940	999	1,370	1,448	2,054	2,720	2,802	2,653
Gross Block	1,216	1,219	4,261	4,613	5,295	5,700	4,099	5,291	6,089	6,621
Accumulated Depreciation	284	422	3,321	3,614	3,925	4,252	2,044	2,571	3,287	3,969
CWIP	6	3	34	74	65	79	219	95	74	113
Investments	50,164	60,904	58,245	45,174	45,182	45,935	60,913	74,500	80,505	85,646
+ Other Assets	60,962	64,677	107,880	102,911	116,454	142,684	176,696	218,895	260,528	311,363
Cash Equivalents	5,140	4,877	9,526	4,163	5,773	15,702	13,779	12,481	15,099	12,767
Loans n Advances	56,017	59,988	98,458	98,823	110,770	127,080	163,045	206,595	245,739	298,854
Other asset items	-195	-188	-104	-75	-89	-98	-127	-181	-311	-258
Total Assets	112,064	126,382	167,099	149,159	163,072	190,146	239,882	296,210	343,909	399,775

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	14,128	-5,978	17,364	10,966	14,042	2,679	3,563	11,543	14,465	6,817
Profit from Operations	1,920	1,578	1,177	2,418	2,974	3,880	5,722	7,151	8,436	8,516
Working Capital Changes	12,452	-7,208	16,133	8,697	10,550	-1,336	-1,803	5,200	6,231	-1,445
Profit Before Tax & Extraordinary Items	1,470	1,060	-3,237	-2,346	519	175	3,331	3,857	1,864	1,807
Depreciation	136	168	2,820	320	343	398	456	921	1,068	1,332
Profit / Loss on Sale of Assets	5	1	1	0	-16	5	-1	-9	-11	-1
Provisions & Write-offs (Net)	-1,446	274	752	4,444	2,129	3,301	1,935	2,382	5,515	5,379
Inventories	0	0	0	0	3,033	0	0	0	0	0
Loans & Advances	-3,811	-3,073	0	0	0	0	-36,200	-45,216	-43,820	-52,866
Change in Deposits	31,879	7,942	22,314	-5,275	23,457	17,003	38,930	56,101	51,440	42,302
Direct Taxes Paid	-244	-348	54	-149	518	135	-356	-807	-201	-254
+ Cash from Investing Activity	-4,918	-1,027	-494	-3,790	-2,833	-2,960	-11,996	-9,887	-3,174	-14,121
Purchase of Fixed Assets	-270	-174	-276	-428	-586	-482	-1,188	-1,374	-919	-777
Sale of Fixed Assets	2	3	4	8	37	3	8	210	33	28
Purchase of Investments	-4,525	-857	-1,093	-3,371	-2,284	-2,481	-10,816	-8,723	-2,592	-13,394
Acquisition of Companies	-126	0	0	0	0	0	0	0	0	0
Others	0	0	871	0	0	0	0	0	304	22
+ Cash from Financing Activity	-6,974	6,742	-12,220	-12,539	-9,598	10,211	6,509	-2,954	-8,673	4,972
Proceeds from Issue of Shares	26	24	2	48	2,013	3,034	2,260	3,323	3,279	7,619
Proceeds from Issue of Debentures	0	0	0	0	0	1,500	1,500	1,500	0	0
Proceeds from Other Long-Term Borrowings	0	0	0	0	0	5,677	2,749	0	0	0
Repayment of Long-Term Borrowings	0	0	-11,910	-12,586	-11,611	0	0	-7,776	-11,952	-2,351
Dividend Paid	-102	-307	-308	0	0	0	0	0	0	-296
Others	-6,898	7,025	-5	0	0	0	0	0	0	0
Net Cash Flow	2,236	-263	4,649	-5,363	1,610	9,929	-1,924	-1,298	2,618	-2,333