ScoreWhy is IDFC First Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 25.09% CAGR growth in Net Profits
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 27.03% and Net profit at 25.09%
3
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 14,394.54 Cr
- NII(Q) Highest at Rs 5,112.56 cr
- INTEREST EARNED(Q) Highest at Rs 9,936.89 cr
4
With ROA of 0.4, it has a Expensive valuation with a 1.5 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 22.66%, its profits have fallen by -37.2%
5
Market Beating Performance
- The stock has generated a return of 22.66% in the last 1 year, much higher than market (BSE500) returns of 2.06%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IDFC First 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 IDFC First Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
IDFC First Bank
22.51%
0.78
29.10%
Sensex
4.84%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
27.03%
Net Profit Growth (5y)
25.09%
Advance to Deposit
102.73%
Capital Adequacy Ratio (Tier 1)
13.62%
Gross NPA (latest)
1.86%
Gross NPA (avg)
2.67%
Coverage Ratio (avg)
66.81%
Cost to Income (avg)
72.54%
Net Interest Margin (avg)
6.64%
Operating Profit to Assets (avg)
8.52%
ROA (avg)
0.57%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
47
Price to Book Value
1.48
PEG Ratio
NA
Dividend Yield
0.21%
ROE (Latest)
3.15%
ROA (Latest)
0.38%
Net NPA to Book Value
2.91
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CF(Y)
Highest at Rs 14,394.54 Cr
NII(Q)
Highest at Rs 5,112.56 cr
INTEREST EARNED(Q)
Highest at Rs 9,936.89 cr
GROSS NPA(Q)
Lowest at 1.86%
DPS(Y)
Highest at Rs 0.25
DPR(Y)
Highest at 12.00%
-4What is not working for the Company
PAT(9M)
At Rs 1,118.96 cr has Grown at -30.31%
NON-OPERATING INCOME(Q)
is 441.70 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Net Interest Income (Quarterly)
Highest at Rs 5,112.56 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 14,394.54 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 9,936.89 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 1.86%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Dividend per Share (DPS) - Annually
Highest at Rs 0.25
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 12.00%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for IDFC First Bank
Profit After Tax (PAT) - Nine Monthly
At Rs 1,118.96 cr has Grown at -30.31%
Year on Year (YoY)MOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 441.70 % 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
CAR - Quarterly
Lowest at 14.11%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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