ScoreWhy is Federal Bank Ltd ?
1
High Management Efficiency with a high ROA of 1.86%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.86%
3
Healthy long term growth as Net profit has grown by an annual rate of 23.28%
4
Positive results in Jun 26
- GROSS NPA(Q) Lowest at 1.52%
- PBT LESS OI(Q) Highest at Rs 531.24 cr.
- PAT(Q) At Rs 1,176.93 cr has Grown at 36.6%
5
High Institutional Holdings at 77%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.55% over the previous quarter.
6
Consistent Returns over the last 3 years
- Along with generating 83.31% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- 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
84.15%
3.35
25.02%
Sensex
-2.39%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.54%
Net Profit Growth (5y)
23.28%
Advance to Deposit
80.72%
Capital Adequacy Ratio (Tier 1)
14.12%
Gross NPA (latest)
1.52%
Gross NPA (avg)
2.12%
Coverage Ratio (avg)
74.48%
Cost to Income (avg)
53.19%
Net Interest Margin (avg)
3.23%
Operating Profit to Assets (avg)
4.15%
ROA (avg)
1.86%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Price to Book Value
2.38
PEG Ratio
1.54
Dividend Yield
0.33%
ROE (Latest)
11.93%
ROA (Latest)
1.14%
Net NPA to Book Value
1.36
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 1.52%
PBT LESS OI(Q)
Highest at Rs 531.24 cr.
PAT(Q)
At Rs 1,176.93 cr has Grown at 36.6%
NET NPA(Q)
Lowest at 0.18%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 66.37 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Federal Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 531.24 cr has Grown at 1131.15%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.52% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 531.24 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,176.93 cr has Grown at 36.6%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.18%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Federal Bank
Non Operating Income - Quarterly
is 66.37 % 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
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