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- IDFC First Bank Ltd
BSE: 539437 | NSE: IDFCFIRSTB | Bank - Private | Mid Cap
IDFC First Bank Ltd Share Price
₹86.62 2.66 3.17%
as on 11-Jan'24 16:59
Overall Rating ⓘ
1. Quality
Somewhat Good
Check detailed 10 Yrs performace
2. Valuation
Somewhat overvalued
Check 10 Yrs Valuation charts
3. Price Trend
Semi Strong
Check Price chart
IDFC First Bank stock performance -
- 1D
- 1M
- 3M
- 1Y
- 3Y
- Max
PE Chart Key Ratios
P/E Ratio (CD):
20.38
Market Cap:
59,333 Cr.
52-wk low:
52.1
52-wk high:
100.7
Is IDFC First Bank Ltd an attractive stock to invest in?
1. Is IDFC First Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that IDFC First Bank Ltd is a average quality company.
2. Is IDFC First Bank Ltd undervalued or overvalued?
The key valuation ratios of IDFC First Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
3. Is IDFC First Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of IDFC First Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
10 Year X-Ray of IDFC First Bank:
Analysis of Financial Track Record
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Standalone Basis P Consolidated Basis P
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IDFC First Bank Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 0 | 0 | 0 | 2,063 | 1,973 | 3,461 | 6,012 | 7,383 | 9,708 | 12,637 | 14,581 | |
| YoY Gr. Rt. % | - | NA | NA | NA | -4.4% | 75.5% | 73.7% | 22.8% | 31.5% | 30.2% | - | |
| Total Income | 0 | 0 | 0 | 9,597 | 10,218 | 13,056 | 17,963 | 18,180 | 20,345 | 27,195 | 31,885 | |
| YoY Gr. Rt. % | - | NA | NA | NA | 6.5% | 27.8% | 37.6% | 1.2% | 11.9% | 33.7% | - | |
| Adj EPS (₹ ) | 0 | 0 | 0 | 3 | 2.6 | -4 | -5.9 | 0.9 | 0.2 | 3.8 | 4.1 | |
| YoY Gr. Rt. % | - | NA | NA | NA | -14% | -254.7% | NA | NA | -75.3% | 1685.7% | - | |
| BVPS (₹ ) | 0 | 0 | 0 | 43.2 | 44.9 | 38.1 | 32 | 31.5 | 33.9 | 39 | 43.5 | |
| YoY Gr. Rt. % | - | NA | NA | NA | 3.9% | -15.2% | -15.9% | -1.5% | 7.4% | 15.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0 | 0 | 0 | 1 | 0.8 | -1.3 | -1.8 | 0.3 | 0.1 | 1.2 | 1.1 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 1.1 | 1.7 | 1.3 | 0.9 | 1.9 | 1.5 | 0.9 | - | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘCAGR Colour Code Guide ⓘ | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | NA | 45% | 28.1% | 30.2% | ||||||||
| Total Income | NA | 21.6% | 14.8% | 33.7% | ||||||||
| Adj EPS | NA | 7.8% | NA | 1685.7% | ||||||||
| BVPS | NA | -2.8% | 6.8% | 15.1% | ||||||||
| Share Price | - | 13.2% | 24.9% | 44.9% | ||||||||
Key Financial Ratios | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
| Interest Earned / Total Income | 0 | 0 | 0 | 89.38 | 89.04 | 93.47 | 90.41 | 87.84 | 84.41 | 83.57 | 83.3 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 0 | 0 | 0 | 2 | 1.7 | 2.3 | 4.5 | 4.9 | 5.4 | 5.6 | 5.5 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 0 | 0 | 0 | 7.2 | 6.4 | -11.2 | -16.9 | 2.9 | 0.7 | 10.6 | 9.5 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 0 | 0 | 0 | 5.1 | 11.8 | 12.9 | 32.2 | 51.8 | 48.4 | 49.7 | - | |
Recent Performance Summary
Return on Equity has increased versus last 3 years average to 10.00%
Total Income has increased 14.83 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
Net Profit has declined 0.00 CAGR in last 3 years
Latest Financials - IDFC First Bank Ltd.
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 4.1 | 4.1 |
| TTM Sales (₹ Cr.) | 26,560 | 26,561 |
| BVPS (₹.) ⓘ | 43.4 | 43.5 |
| Reserves (₹ Cr.) ⓘ | 23,568 | 23,657 |
| P/BV ⓘ | 1.94 | 1.93 |
| PE ⓘ | 20.29 | 20.38 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 52.11 / 100.74 |
| All Time Low / High (₹) | 17.75 / 100.74 |
| Market Cap (₹ Cr.) | 59,333 |
| Equity (₹ Cr.) | 7,066.8 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 21.5 |
Management X-Ray of IDFC First Bank:
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Valuation of IDFC First Bank
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- Price to Sales
- Price to Book
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Price to Earnings
YTD 1Y 3Y 5Y 10Y Max
Enterprise Value to EBIT
YTD 1Y 3Y 5Y 10Y Max
Price to Book-Value
YTD 1Y 3Y 5Y 10Y Max
Price to Sales
YTD 1Y 3Y 5Y 10Y Max
Dividend History
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Analyst's Notes
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Key Ratios of IDFC First Bank
Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)
IDFC First Bank Ltd Stock News
IDFC First Bank Ltd FAQs
What is the share price of IDFC First Bank?
Company share prices are keep on changing according to the market conditions. The closing price of IDFC First Bank on 11-Jan-2024 16:59 is ₹86.62.
What is the market cap of IDFC First Bank?
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Jan-2024 16:59 the market cap of IDFC First Bank stood at ₹59,333.
What is the P/E ratio of IDFC First Bank?
The latest P/E ratio of IDFC First Bank as of 11-Jan-2024 16:59 is 20.29.
What is the P/B ratio of IDFC First Bank?
The latest P/B ratio of IDFC First Bank as of 11-Jan-2024 16:59 is 1.94.
What is the 52-week high and low of IDFC First Bank?
The 52-week high of IDFC First Bank is ₹100.7 and the 52-week low is ₹52.11.
What is the TTM revenue of IDFC First Bank?
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of IDFC First Bank is ₹26,560 ( Cr.) .
About IDFC First Bank Ltd
IDFC First Bank Ltd. was formed with the merger between erstwhile Capital First and erstwhile IDFC Bank. It is a banking company. The Bank's segments include treasury, corporate/wholesale banking, retail banking and other banking business.
Business area of the bank
The business of the bank is divided into various segments: Treasury, Corporate / Wholesale Banking, Retail Banking Business and Other Banking Business. These segments have been identified and reported taking into account, the target customer segment, the nature of products, internal business reporting system, transfer pricing policy approved by Asset Liability Committee (ALCO).
Treasury- the treasury segment primarily consists of Bank’s investment portfolio, money market borrowing and lending, investment operations and entire foreign exchange and derivative portfolio of the Bank. Revenue of treasury segment consist of interest income on investment portfolio, inter segment revenue, gains or losses from trading operations, trades and capital market deals. The principal expenses consists of interest expenses from external sources & on funds borrowed from inter segments, premises expenses, personnel cost, direct and allocated overheads.
Corporate / Wholesale Banking- the wholesale banking segment provides loans, non-fund facilities and transaction services to corporate relationship not included under Retail Banking, and syndication. Revenues of the wholesale banking segment consists of interest earned on loans to customers, inter segment revenue, interest / fees earned on transaction services, earnings from trade services, fees on client FX & derivative and other non-fund facilities. The principal expenses of the segment consists of interest expense on funds borrowed from internal segments, premises expenses, personnel costs, other direct overheads and allocated expenses of delivery channels, and support groups.
Retail Banking- Retail Banking constitutes lending to individuals / business banking customers through the branch network and other delivery channels subject to the orientation, nature of product, granularity of the exposure and the quantum thereof. Revenues of the retail banking segment are derived from interest earned on retail loans, inter segment revenue and fees from services rendered, fees on client FX & derivative. Expenses of this segment primarily comprise interest expense on deposits & funds borrowed from inter segments, commission paid to retail assets sales agents, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated and support groups.
Other Banking Business- This segment includes revenue from distribution of third party products.
Products and services of the bank
Wholesale Banking
Wealth Management
Personal Banking
Savings Account
Deposits
Loans
Investment
Ways to Bank
Payments
Cards
Forex
Business Banking
Accounts & Deposits
Cash Management Services
Loans
Business Investment Solutions
Trade Forex Services
Ways to Bank
Cards
Awards
Most Promising New Bank in India 2019 by Capital Finance International (CFI).
CNBC Awaaz Entrepreneur of the Year Award, 2019.
Prestigious Brands of India 2020 by Herald Global and BARC Asia.
Milestones
2020
IDFC First Bank, Bajaj Finance and Vivo have entered into partnership to waive dealer charges paid by retailers for selling devices under installment schemes.
IDFC FIRST Bank has opened its MBA Scholarship programme for the batch of 2020-2022, as part of its Corporate Social Responsibility (CSR).
DFC First Bank has launched video KYC facility so that customers can open savings accounts without the need to visit a branch office.
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Overall Rating
Quality
- Company quality is determined using minimum hurdle rate for return on capital employed and free cash flows for last 10 years.
- Companies with smaller size have higher hurdle rate.
- High quality stocks are important for long term investment.
Value
- Valuation is computed by comparing relevant price multiples versus industry and its own history.
- One unique and very important modification is our adjustment for company's financials for cyclicality and normalized profitability.
- or based on whether current ratio is lower or higher than median values. See graph for better assessment.
- Valuation is important for long term investment.
- Actual valuation done by our Equity Analysts may differ from the Free DeciZen maker valuation. Subscribe to our premium products for more information on actual valuation
Price
- Price rating is given based on stock price strength using moving averages and relative strength on shorter timeframe.
- Short term time frame has little to no significance for long term investing but it can help in deciding how fast or how slow one can add a stock top your portfolio.
- Only after a stock satisfies Quality and Value parameters, use price trend to build a position. Add slowly if price trend is Red or Orange. Add quickly if price trend is Green.
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