NSE/FEDERALBNK

FEDERALBNKFederal Bank Ltd

Financial Services · NSE

₹293.75+3.29%

52-wk low52-WEEK RANGE52-wk high

₹186.73+57.3% from low ·-2.0% from high₹299.85

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

FEDERALBNK+54.64% · 1Y

Range high ₹302Range low ₹183.15Latest ₹293.75252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesBanks - RegionalLargecapLow Risk

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite63/100

Performance

High

Amongst the strong performers in the market.

· 52w return +45.4% — strong momentum
· Trades 21.1% above 200-DMA — uptrend intact

Valuation

Medium

Valuation close to the sector median.

· P/E 17.8 close to sector median 18.5

Growth

Medium

Steady but not standout growth.

· Revenue YoY +15.1%
· Profit YoY +15.5%

Profitability

Medium

Average profitability vs peers.

· ROE 11.2% — weak returns on equity
· Net margin 30.5% — strong pricing power

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeB(65/100)

Durability

48/100

Mixed quality signals; requires deeper due diligence.

Show 2 drivers

Piotroski F-score4/8 (50pt)
ROE11.2% (45pt)

Valuation

58/100

Fairly priced — not a bargain, not stretched.

Show 3 drivers

P/E vs sector (17.8 / 18.5)96% (65pt)
P/B1.99 (70pt)
Dividend yield0.41% (10pt)

Momentum

A+

89/100

Strong, confirmed momentum across price + technicals.

Show 5 drivers

52w change+45.4% (95pt)
DMA-trend alignmentup (75pt)
RSI (14)61.6 (93pt)
Price vs 200-DMA+21.9% (100pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)17.83

FAIR

CheapestP/E 17.8 near sector median.Most expensive

P/B1.99

FAIR

CheapestP/B 1.99 at 45th %ile of sector.Most expensive

Monthly seasonality

Avg monthly return over 10 years · historical — not a forecast

Best: Oct +8.36% · Worst: Mar -5.27%

Jan

+2.4%

50% win

Feb

+1.0%

40% win

Mar

-5.3%

50% win

Apr

+7.6%

80% win

May

+0.8%

50% win

Jun

+3.9%

Monthly return distribution

Distribution of 120 monthly returns

Mean

+2.11%

Median

+2.35%

Std dev

9.87%

Best

+24.5%

Worst

-52.2%

% positive

62%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 2

Consistent top-line growth (18.6% 3Y CAGR)
Sustained revenue compounding is rare and hard to fake
Strong net margin (30.5%)
High margin indicates pricing power + operating efficiency

WEAKNESSES · 0

No material weaknesses flag from the numbers

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 0

No immediate threats from the data

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+3.3%

+0.7%

+11.7%

+14.9%

+51.6%

+54.2%

+30.8%

+27.4%

10Y

+20.7%

Fundamentals

VALUATION

Market cap

₹72,526 Cr

P/E (TTM)

17.8

P/E (fwd)

14.8

next 12m

P/B

1.99

EV/EBITDA

—

Book value

₹147.71

per share

PROFITABILITY · QUALITY

ROE

11.2%

ROCE

—

Net margin

30.5%

Op margin

40.4%

Gross margin

0.0%

D/E

—

GROWTH · MARKET

Rev YoY

+15.1%

Profit YoY

+15.5%

Div yield

0.41%

Payout

7.3%

52w change

+45.4%

Beta

0.30

defensive

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 4

+Forward P/E materially below trailing (14.8x vs 17.8x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+Strong operating margin (40.4%)Meaningful pricing power or cost discipline — above most Indian companies
+3-year revenue CAGR of 18.6%Sustained multi-year growth — not a one-quarter flash
+3-year profit CAGR of 28.3%Consistently compounding earnings — the Buffett playbook

CONS · 0

No material concerns surface from the ratios alone — still layer qualitative research.

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

17.83

Sector median

18.51

Rank 27/58 (55th %ile)

ROE

This stock

11.2%

Sector median

13.6%

Rank 20/58 (67th %ile)

P/B

This stock

1.99

Sector median

2.13

Rank 26/58 (57th %ile)

Quality score · Piotroski F-score

4 / 8

Mixed quality — several weak points

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
✗Positive operating cash flow· Profits are backed by real cash, not accruals
✗Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✓Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✗ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✗

Analyst consensus

33 analysts · BUY

Target mean

₹292.42

Target high

₹325.00

Target low

₹215.00

Upside vs today

-0.7%

Street consensus target is -0.7% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Banks - Regional

Employees

15,545

Shares out

246.4

Revenue (TTM)

₹14,097 Cr

Total debt

₹26,930 Cr

Cash

₹23,373 Cr

Net debt

₹3,557 Cr

Quarterly results

Last 5 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	3,622	3,626	3,548	3,776	4,102
Interest	4,393	4,570	4,456	4,540	4,401
PBT	1,473	1,277	1,466	1,270	1,507
Tax %	25.0%	25.7%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	8,543	10,279	12,130	14,248
Interest	7,959	9,975	14,495	17,631
Depreciation	139	182	234	288
PBT	2,646	4,263	5,298	5,620
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
FEDERALBNKTHIS The Federal Bank Limited	₹293.75	+45.4%	72,526	17.8	1.99	11.2%	—	+15.1%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	4.07	4.19	+3.0%
-2q	3.54	3.85	+8.8%
-3q	3.96	3.47	-12.4%
-4q	3.98	4.16	+4.6%

Date	Amount
2025-08-22	₹1.20
2024-08-23	₹1.20
2023-08-11	₹1.00
2022-07-19	₹1.80
2021-07-01	₹0.70
2019-07-17	₹1.40
2018-08-02	₹1.00
2017-07-03	₹0.90
2016-07-29	₹0.70

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	421	423	487	491
Reserves	4,354	5,763	7,516	9,304
Borrowings	19,587	25,862	22,309	30,346
Total liabilities	2,26,241	2,68,004	3,17,839	3,60,152
Fixed assets	672	972	1,063	1,528
CWIP	29	81	67	72
Investments	30,360	38,517	49,146	55,317
Total assets	2,26,241	2,68,004	3,17,839	3,60,152

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	-7,774	489	6,431	8,801
CF Investing	908	-9,844	-8,908	-3,794
CF Financing	8,193	6,038	3,871	7,401
Net cash flow	1,320	-3,332	1,390	12,403
Free cash flow	-8,069	5	6,103	8,046

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	29.2%	32.0%	30.8%	23.1%
ROE %	46.7%	54.7%	57.7%	41.3%
ROCE %	66.0%	63.5%	50.5%	43.5%
Debt / Equity	3.10	2.79	4.18	4.10
Interest coverage	1.3×	1.4×	1.4×	1.3×
Revenue growth YoY	+17.5%	+18.0%	+20.3%	—
Profit growth YoY	+7.2%	+22.6%	+60.7%	—

FEDERALBNKFederal Bank Ltd

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Recent news

Stock scorecard

SWOT analysis

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services