ScoreWhy is Federal Bank Ltd ?
1
High Management Efficiency with a high ROA of 1.68%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.68%
3
Healthy long term growth as Net profit has grown by an annual rate of 20.96%
4
Positive results in Mar 26
- INTEREST EARNED(Q) Highest at Rs 7,399.09 cr
- GROSS NPA(Q) Lowest at 1.62%
- NII(Q) Highest at Rs 3,172.61 cr
5
With ROA of 1.1, it has a Expensive valuation with a 2 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 59.37%, its profits have risen by 1.6% ; the PEG ratio of the company is 14.5
6
High Institutional Holdings at 76.45%
- 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 59.37% 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
59.37%
2.42
24.57%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.29%
Net Profit Growth (5y)
20.96%
Advance to Deposit
82.30%
Capital Adequacy Ratio (Tier 1)
14.61%
Gross NPA (latest)
1.62%
Gross NPA (avg)
2.15%
Coverage Ratio (avg)
74.77%
Cost to Income (avg)
52.92%
Net Interest Margin (avg)
3.32%
Operating Profit to Assets (avg)
6.45%
ROA (avg)
1.68%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Price to Book Value
1.97
PEG Ratio
14.45
Dividend Yield
0.40%
ROE (Latest)
11.08%
ROA (Latest)
1.06%
Net NPA to Book Value
1.42
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 7,399.09 cr
GROSS NPA(Q)
Lowest at 1.62%
NII(Q)
Highest at Rs 3,172.61 cr
PBDIT(Q)
Highest at Rs 1,131.46 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 15.29%
PBT LESS OI(Q)
Highest at Rs 390.42 cr.
PAT(Q)
Highest at Rs 1,259.10 cr.
EPS(Q)
Highest at Rs 5.11
NET NPA(Q)
Lowest at 0.20%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 74.57 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Federal Bank
Interest Earned - Quarterly
Highest at Rs 7,399.09 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.62%
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 3,172.61 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,131.46 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 15.29%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 390.42 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 390.42 cr has Grown at 21.50%
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,259.10 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 1,259.10 cr has Grown at 22.2%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.11
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.20%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 17.25%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Federal Bank
Non Operating Income - Quarterly
is 74.57 % 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
Non Operating Income - Quarterly
Highest at Rs 1,144.95 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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