Federal Bank

₹187.8 -1.2 | 0.6%

WEBSITE BSE:500469 NSE : FEDERAL BANK 13 Jan, 16:01

Market Cap ₹46086 Cr.

Stock P/E 11.7

P/B 1.5

Current Price ₹187.8

Book Value ₹ 128.1

Face Value 2

52W High ₹216.9

Dividend Yield 0.64%

52W Low ₹ 139.5

Edit Ratio

Federal Bank Research see more...

Federal Bank Limited Should Seek Support from Healthy Asset Quality and Credit Growth

Overview Inc. Year: 1931Industry: Bank - Private

The Federal Bank Ltd is a banking organization. The Bank is engaged in supplying banking and monetary services, which includes retail banking, corporate banking and treasury operations. Its segments comprises Treasury, Corporate/Wholesale Banking and Retail Banking. Its Treasury section operations includes trading and investments in government securities and corporate debt devices, equity and mutual funds, derivatives, and foreign exchange operations on proprietary account and for customers. Its Corporate/ Wholesale Banking section consists of lending of funds, acceptance of deposits and different banking offerings to corporates, trusts, partnership firms and statutory bodies. Its Retail banking segment constitutes lending of finances, acceptance of deposits and other banking offerings to any felony individual, inclusive of small enterprise customers. The Bank has a community of 1272 branches in India. It also gives para banking activities, along with debit card and third-party product distribution.

Federal Bank Share Price

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Peer Comparison

Federal Bank Quarterly Results

#(Fig in Cr.)	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018
Interest Earned	2316	2324	2380	2501	2548
Other Income	282	329	287	229	314
Total Income	2598	2653	2667	2730	2862
Interest Expense	1474	1523	1481	1551	1615
Operating Expenditure	575	572	603	617	659
Provisions and contingencies	123	236	177	162	372
Operating Profit	427	321	406	399	217
Profit Before Tax	427	321	406	399	217
Provision for Tax	170	111	143	139	72
Profit After Tax	257	210	264	260	145
Adjustments	-257	-210	-264	-260	-145
Profit After Adjustments	0	0	0	0	0
Adjusted Earnings Per Share	1.5	1.1	1.3	1.3	0.7

Federal Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	6946	7419	7745	8677	9753	11419	13211	13758	13661	16804	22188	9753
Other Income	694	878	786	1082	1159	1351	1931	1959	2089	2330	3079
Total Income	7640	8298	8531	9759	10912	12770	15142	15717	15750	19134	25268	10912
Interest Expense	4717	5039	5240	5625	6170	7243	8562	8224	7699	9571	13895	6170
Operating Expenditure	1442	1631	1867	2210	2451	2764	3376	3692	4293	4768	6198	2451
Provisions and contingencies	268	107	704	618	929	856	1172	1663	1222	750	196	947
Operating Profit	1212	1521	720	1306	1362	1907	2033	2137	2536	4045	4978	1343
Profit Before Tax	1212	1521	720	1306	1362	1907	2033	2137	2536	4045	4978	1343
Provision for Tax	373	515	244	476	484	663	490	547	646	1034	1258	465
Profit After Tax	839	1006	476	831	879	1244	1543	1590	1890	3011	3721	879
Adjustments	0	0	0	0	0	0	0	0	0	0	0	-879
Profit After Adjustments	839	1006	476	831	879	1244	1543	1590	1890	3011	3721	0
Adjusted Earnings Per Share	4.9	5.9	2.8	4.8	4.5	6.3	7.7	8	9	14.2	15.3	4.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	32%	17%	14%	12%
Operating Profit CAGR	23%	33%	21%	15%
PAT CAGR	24%	33%	24%	16%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	23%	23%	16%	10%
ROE Average	15%	13%	12%	11%
ROCE Average	14%	12%	12%	12%

Federal Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	6951	7738	8091	8942	12210	13273	14518	16124	18794	21506	29094
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	59731	70825	79172	97665	111992	134954	152290	172644	181701	213386	252534
Borrowings	5688	2308	5115	5897	11533	7781	10372	9069	15393	19319	18026
Other Liabilities & Provisions	2224	1979	2204	2473	2578	3331	3458	3530	5059	6130	8657
Total Liabilities	74594	82850	94581	114977	138314	159340	180638	201367	220946	260342	308312
Cash and balance with RBI	3104	3380	3775	4577	5133	6419	6175	7647	16049	12591	11494
Bank Balance	1425	1400	1645	2876	4071	3648	6400	11944	4961	5098	7469
Investments	24118	20569	25155	28196	30781	31824	35893	37186	39179	48983	60860
Advances	43436	51285	58090	73336	91957	110223	122268	131879	144928	174447	209403
Fixed Assets	402	440	504	475	448	455	455	479	606	853	954
Other Assets	2086	5750	5396	5503	5915	6754	9423	12220	15194	18289	18066
Total Assets	74594	82850	94581	114977	138314	159340	180638	201367	220946	260342	308312

Federal Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	3720	4529	4780	5420	7452	9203	10067	12575	19591	21010	17689
Cash Flow from Operating Activities	1225	5164	-1519	3757	-4697	8171	4884	12207	-6497	2870	7553
Cash Flow from Investing Activities	-736	-1364	1991	-2383	-1577	-3374	-4669	-3902	813	-9818	-8852
Cash Flow from Financing Activities	321	-3549	168	659	8025	-3936	2289	-1290	7110	3643	2577
Net Cash Inflow / Outflow	809	251	640	2033	1751	861	2503	7015	1425	-3306	1278
Closing Cash & Cash Equivalent	4529	4780	5420	7452	9203	10067	12575	19591	21010	17689	18963

Federal Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	4.9	5.87	2.77	4.82	4.46	6.27	7.74	7.97	8.99	14.23	15.28
CEPS(Rs)	5.45	6.31	3.38	5.53	5.08	6.87	8.34	8.49	9.57	15	16.16
DPS(Rs)	2	2.2	0.7	0.9	1	1.4	0	0.7	1.8	1	1.2
Book NAV/Share(Rs)	40.6	45.14	47.04	51.84	61.89	66.84	72.83	80.75	89.36	101.59	119.43
Yield on Advances	15.99	14.47	13.33	11.83	10.61	10.36	10.8	10.43	9.43	9.63	10.6
Yield on Investments	8.02	9.26	7.5	7.48	7.01	7.12	7.78	7.95	6.95	5.87	6.47
Cost of Liabilities	7.21	6.89	6.22	5.43	4.99	5.07	5.26	4.53	3.91	4.11	5.14
NIM (Net Interest Margin)	3.09	3.11	2.82	2.8	2.72	2.75	2.72	2.93	2.91	3	2.87
Interest Spread	8.78	7.58	7.11	6.4	5.61	5.29	5.54	5.91	5.52	5.52	5.46
ROA(%)	1.15	1.28	0.54	0.79	0.69	0.84	0.91	0.83	0.89	1.25	1.31
ROE(%)	12.61	13.7	6.01	9.76	8.31	9.77	11.11	10.38	10.83	14.95	14.71
ROCE(%)	14.22	17.04	7.73	10.89	9.39	10.75	10.86	10.21	9.77	13.34	14.04
PER(x)	9.74	11.24	16.66	18.96	20.05	15.38	5.3	9.51	10.83	9.3	9.83
Price/Book(x)	1.18	1.46	0.98	1.76	1.44	1.44	0.56	0.94	1.09	1.3	1.26
Dividend Yield(%)	2.09	1.67	1.52	0.99	1.12	1.45	0	0.92	1.85	0.76	0.8
EV/Net Sales(x)	1.99	1.84	1.68	2.49	2.99	2.36	1.4	1.76	2.63	2.82	2.46
EV/Core EBITDA(x)	9.36	8.36	9.16	11.25	12.73	9.74	5.79	6.36	9.54	9.87	10.55
Interest Earned Growth(%)	12.62	6.82	4.38	12.04	12.39	17.08	15.69	4.14	-0.71	23.01	32.04
Net Profit Growth	0.09	19.89	-52.71	74.66	5.78	41.54	24.03	3.08	18.83	59.31	23.58
Advances Growth	-1.5	18.07	13.27	26.25	25.39	19.86	10.93	7.86	9.9	20.37	20.04
EPS Growth(%)	0.08	19.7	-52.86	74.15	-7.52	40.62	23.55	2.9	12.82	58.28	7.39
Loans/Deposits(x)	9.52	3.26	6.46	6.04	10.3	5.77	6.81	5.25	8.47	9.05	7.14
Cash/Deposits(x)	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.09	0.06	0.05
Current Ratio(x)	0.4	0.29	0.32	0.29	0.27	0.24	0.24	0.22	0.22	0.23	0.24
Quick Ratio(x)	9.52	3.26	6.46	6.04	10.3	5.77	6.81	5.25	8.47	9.05	7.14
CASA %	31.25	30.76	32.91	32.82	33.65	32.4	30.71	34.01	37.13	32.86	29.56

Federal Bank Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	25.89	26.07	27.38	26.61	25.96	26.73	29.09	28.28	28.35	27.44
DII	41.61	43.69	41.83	43.26	41.79	45.49	44.07	44.71	44.52	46.49
Public	31.3	29.04	29.59	28.93	31.08	26.74	25.83	26	26.13	25.06
Others	1.21	1.2	1.2	1.2	1.16	1.05	1.01	1.01	1.01	1.01
Total	100	100	100	100	100	100	100	100	100	100

Pros

Company has delivered good profit growth of 24% CAGR over last 5 years
Company has reduced debt.

Cons

Promoter holding is low: 0%.
Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	0	0	0	0	0	0	0	0	0	0
FII	54.46	55	57.9	56.31	54.98	62.85	70.78	68.88	69.39	67.3
DII	87.53	92.16	88.45	91.55	88.52	106.97	107.24	108.87	108.96	114
Public	65.83	61.26	62.57	61.23	65.84	62.88	62.85	63.32	63.95	61.46
Others	2.54	2.54	2.54	2.54	2.47	2.47	2.47	2.47	2.47	2.46
Total	210.35	210.96	211.46	211.62	211.8	235.16	243.34	243.54	244.76	245.22

Federal Bank

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Federal Bank Research see more...

Overview Inc. Year: 1931Industry: Bank - Private

Federal Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Federal Bank Quarterly Results

Federal Bank Profit & Loss

Growth Rates

Federal Bank Balance Sheet

Federal Bank Cash Flow

Federal Bank Ratios

Federal Bank Shareholding Pattern

Federal Bank News

Top Unlisted Companies & InstaBuy Companies

IPO

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