ScoreWhy is Federal Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 1.83%
2
Strong Long Term Fundamental Strength with a 21.26% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 21.26%
4
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 198.91 cr has Fallen at -55.11%
- PAT(Q) At Rs 955.26 cr has Fallen at -9.6%
- NON-OPERATING INCOME(Q) is 84.47 % of Profit Before Tax (PBT)
5
With ROA of 1.1, it has a Expensive valuation with a 1.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.46%, its profits have fallen by -4.4%
6
High Institutional Holdings at 75.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating performance in long term as well as near term
- Along with generating 20.46% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Federal Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Federal Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Federal Bank
20.46%
0.89
23.02%
Sensex
4.83%
0.41
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.13%
Net Profit Growth (5y)
21.26%
Advance to Deposit
83.29%
Capital Adequacy Ratio (Tier 1)
13.74%
Gross NPA (latest)
1.83%
Gross NPA (avg)
2.38%
Coverage Ratio (avg)
70.88%
Cost to Income (avg)
53.00%
Net Interest Margin (avg)
3.30%
Operating Profit to Assets (avg)
4.21%
ROA (avg)
1.06%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Price to Book Value
1.82
PEG Ratio
NA
Dividend Yield
0.46%
ROE (Latest)
10.85%
ROA (Latest)
1.07%
Net NPA to Book Value
3.32
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
GROSS NPA(Q)
Lowest at 1.83%
NII(Q)
Highest at Rs 2,495.24 cr
-5What is not working for the Company
PBT LESS OI(Q)
At Rs 198.91 cr has Fallen at -55.11%
PAT(Q)
At Rs 955.26 cr has Fallen at -9.6%
NON-OPERATING INCOME(Q)
is 84.47 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Federal Bank
Gross NPA - Quarterly
Lowest at 1.83%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,495.24 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Here's what is not working for Federal Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 198.91 cr has Fallen at -55.11%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 955.26 cr has Fallen at -9.6%
Year on Year (YoY)MOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 84.47 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
