Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is IDFC First Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
IDFC First Bank
4.49%
0.14
31.33%
Sensex
-4.33%
-0.32
13.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
25.50%
Net Profit Growth (5y)
29.33%
Advance to Deposit
100.25%
Capital Adequacy Ratio (Tier 1)
13.87%
Gross NPA (latest)
1.61%
Gross NPA (avg)
2.31%
Coverage Ratio (avg)
67.50%
Cost to Income (avg)
73.00%
Net Interest Margin (avg)
6.68%
Operating Profit to Assets (avg)
8.58%
ROA (avg)
0.81%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
37
Price to Book Value
1.27
PEG Ratio
NA
Dividend Yield
0.25%
ROE (Latest)
3.48%
ROA (Latest)
0.41%
Net NPA to Book Value
2.86
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at Rs 5,677.19 cr
PAT(Latest six months)
At Rs 821.48 cr has Grown at 27.66%
INTEREST EARNED(Q)
Highest at Rs 10,552.77 cr
GROSS NPA(Q)
Lowest at 1.61%
CREDIT DEPOSIT RATIO(HY)
Highest at 95.22%
PBT LESS OI(Q)
Highest at Rs -1,440.74 cr.
NET NPA(Q)
Lowest at 0.48%
-8What is not working for the Company
PAT(Q)
At Rs 318.94 cr has Fallen at -21.3% (vs previous 4Q average
PBDIT(Q)
Lowest at Rs -571.50 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at -5.42%
NON-OPERATING INCOME(Q)
is 861.09 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.37
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Net Interest Income (Quarterly)
Highest at Rs 5,677.19 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)
Interest Earned - Quarterly
Highest at Rs 10,552.77 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 1.61%
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 -1,440.74 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.48%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 95.22%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for IDFC First Bank
Profit After Tax (PAT) - Quarterly
At Rs 318.94 cr has Fallen at -21.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 405.38 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -571.50 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at -5.42%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 861.09 % 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
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.37
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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