NSE/IDFCFIRSTB

IDFCFIRSTBIDFC First Bank Ltd

Financial Services · NSE

₹68.53+1.05%

52-wk low52-WEEK RANGE52-wk high

₹58.85+16.4% from low ·-20.4% from high₹86.07

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

IDFCFIRSTB+15.66% · 1Y

Range high ₹87Range low ₹57.32Latest ₹68.53252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesBanks - RegionalLargecap

Stock scorecard

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

Composite25/100

Performance

Low

Hasn't fared well — amongst the weak performers.

· 52w return +2.8%
· Below 200-DMA (-9.7%) — downtrend

Valuation

Medium

Valuation close to the sector median.

· P/E 35.6 — 92% above sector median 18.5
· P/B 1.30 below sector median 2.13

Growth

Medium

Steady but not standout growth.

· Revenue YoY +17.2%
· Profit YoY -48.4% — earnings slipping

Profitability

Low

Profitability is a concern.

· ROE 3.6% — weak returns on equity
· Net margin 5.8% — thin margins

DVM composite · Durability · Valuation · Momentum

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

CompositeC(48/100)

Durability

48/100

Mixed quality signals; requires deeper due diligence.

Show 2 drivers

Piotroski F-score5/8 (63pt)
ROE3.6% (15pt)

Valuation

44/100

Trading at a premium — growth must keep delivering to justify.

Show 3 drivers

P/E vs sector (35.6 / 18.5)192% (22pt)
P/B1.30 (100pt)
Dividend yield0.36% (9pt)

Momentum

51/100

Momentum is muted; trend is unclear or rolling over.

Show 5 drivers

52w change+2.8% (49pt)
DMA-trend alignmentdown (25pt)
RSI (14)57.0 (98pt)
Price vs 200-DMA-8.8% (42pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)35.62

OVERVALUED

CheapestP/E 35.6 at 71th %ile — pricier than 71% of peers.Most expensive

P/B1.30

UNDERVALUED

CheapestP/B 1.30 at 28th %ile of sector.Most expensive

Monthly seasonality

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

Best: Apr +6.10% · Worst: Mar -8.46%

Jan

+1.5%

40% win

Feb

-2.0%

20% win

Mar

-8.5%

10% win

Apr

+6.1%

70% win

May

-2.3%

50% win

Jun

+0.1%

Monthly return distribution

Distribution of 120 monthly returns

Mean

+0.98%

Median

-0.17%

Std dev

11.69%

Best

+42.5%

Worst

-42.7%

% positive

49%

SWOT analysis

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

STRENGTHS · 1

Consistent top-line growth (25.7% 3Y CAGR)
Sustained revenue compounding is rare and hard to fake

WEAKNESSES · 2

Low return on equity (3.6%)
Below 10% ROE suggests inefficient use of shareholder capital
Premium to sector on P/E (+92%)
P/E 35.6 vs Financial Services median 18.5

OPPORTUNITIES · 1

16% upside to consensus target (₹79)
18 analysts see fair value materially higher

THREATS · 2

Profit contracting sharply (-48.4% YoY)
Double-digit earnings decline pressures valuation compression
Valuation compression risk
P/E 35.6 is 92% above sector — any growth miss gets punished

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+1.0%

+3.5%

+9.5%

-20.4%

-0.7%

+18.4%

+7.0%

+0.5%

10Y

+2.4%

Fundamentals

VALUATION

Market cap

₹58,211 Cr

P/E (TTM)

35.6

P/E (fwd)

14.2

next 12m

P/B

1.30

EV/EBITDA

—

Book value

₹52.11

per share

PROFITABILITY · QUALITY

ROE

3.6%

ROCE

—

Net margin

5.8%

Op margin

33.4%

Gross margin

0.0%

D/E

—

GROWTH · MARKET

Rev YoY

+17.2%

Profit YoY

-48.4%

Div yield

0.36%

Payout

13.2%

52w change

+2.8%

Beta

—

Pros and cons

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

PROS · 5

+Forward P/E materially below trailing (14.2x vs 35.6x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+Strong operating margin (33.4%)Meaningful pricing power or cost discipline — above most Indian companies
+3-year revenue CAGR of 25.7%Sustained multi-year growth — not a one-quarter flash
+3-year profit CAGR of 124.2%Consistently compounding earnings — the Buffett playbook
++16% upside to analyst consensus target18 analysts average target of ₹79 vs current ₹68

CONS · 2

−Trades at a premium to sector on P/EP/E 35.6 vs Financial Services median 18.5 — priced for more growth than peers
−Low ROE of 3.6%

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

35.62

Sector median

18.51

Rank 41/58 (31th %ile)

ROE

This stock

3.6%

Sector median

13.6%

Rank 15/58 (76th %ile)

P/B

This stock

1.30

Sector median

2.13

Rank 16/58 (74th %ile)

Quality score · Piotroski F-score

5 / 8

Decent quality — clears Piotroski bar

✓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

18 analysts · HOLD

Target mean

₹78.50

Target high

₹100.00

Target low

₹62.00

Upside vs today

+16.0%

Street consensus target is +16.0% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Banks - Regional

Employees

42,190

Shares out

860.2

Revenue (TTM)

₹3,028 Cr

Quarterly results

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

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	6,516	6,682	6,934	7,160	7,618
Interest	4,169	4,440	4,505	4,709	4,924
PBT	245	422	344	571	611
Tax %	13.5%	19.4%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	13,297	17,193	22,480	26,402
Interest	7,465	10,091	13,870	17,208
Depreciation	373	435	631	836
PBT	175	3,331	3,857	1,864
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
IDFCFIRSTBTHIS IDFC First Bank Limited	₹68.53	+2.8%	58,211	35.6	1.30	3.6%	—	+17.2%
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	0.70	0.57	-19.1%
-2q	0.65	0.35	-46.4%
-3q	0.54	0.63	+16.7%
-4q	0.58	0.41	-29.9%

Date	Amount
2025-07-11	₹0.25
2018-07-23	₹0.75
2017-07-20	₹0.75
2016-07-19	₹0.25

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	6,218	6,618	7,070	7,322
Reserves	-3,792	-2,429	-576	1,785
Borrowings	52,963	57,212	43,936	33,124
Total liabilities	1,90,146	2,39,882	2,96,210	3,43,909
Fixed assets	1,387	2,133	2,675	2,736
CWIP	79	219	95	74
Investments	45,935	60,913	75,673	82,096
Total assets	1,90,146	2,39,882	2,96,210	3,43,909

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	2,604	3,563	11,543	14,465
CF Investing	-2,884	-11,996	-9,887	-3,478
CF Financing	10,211	6,509	-2,954	-8,673
Net cash flow	9,930	-1,924	-1,298	2,618
Free cash flow	2,128	2,375	10,169	13,546

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	5.6%	13.1%	14.5%	1.0%
ROE %	19.1%	55.1%	75.1%	5.5%
ROCE %	41.2%	31.7%	23.0%	13.8%
Debt / Equity	3.64	6.77	13.66	21.83
Interest coverage	1.1×	1.3×	1.3×	1.0×
Revenue growth YoY	+17.4%	+30.8%	+29.3%	—
Profit growth YoY	-49.3%	+18.4%	+1778.1%	—

IDFCFIRSTBIDFC First 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