ScoreWhy is IDFC First Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 59.39% CAGR growth in Net Profits
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 24.10% and Net profit at 59.39%
3
With a growth in Operating Profit of 141.14%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 4 consecutive quarters
- GROSS NPA(Q) Lowest at 1.51%
- NII(Q) Highest at Rs 5,972.40 cr
- INTEREST EARNED(Q) Highest at Rs 11,051.09 cr
4
With ROA of 0.5, it has a Fair valuation with a 1.5 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 22.05%, its profits have risen by 72.1% ; the PEG ratio of the company is 0.7
5
High Institutional Holdings at 68.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.2% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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
22.05%
0.71
31.18%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
24.10%
Net Profit Growth (5y)
59.39%
Advance to Deposit
99.90%
Capital Adequacy Ratio (Tier 1)
13.44%
Gross NPA (latest)
1.51%
Gross NPA (avg)
2.18%
Coverage Ratio (avg)
68.67%
Cost to Income (avg)
73.02%
Net Interest Margin (avg)
6.52%
Operating Profit to Assets (avg)
8.38%
ROA (avg)
0.73%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Price to Book Value
1.51
PEG Ratio
0.70
Dividend Yield
0.24%
ROE (Latest)
4.65%
ROA (Latest)
0.53%
Net NPA to Book Value
2.66
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
PAT(Q)
At Rs 1,074.96 cr has Grown at 162.8% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 1.51%
NII(Q)
Highest at Rs 5,972.40 cr
INTEREST EARNED(Q)
Highest at Rs 11,051.09 cr
PBDIT(Q)
Highest at Rs 243.14 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 2.20%
PBT LESS OI(Q)
Highest at Rs -900.74 cr.
EPS(Q)
Highest at Rs 1.25
NET NPA(Q)
Lowest at 0.44%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 163.94 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Profit After Tax (PAT) - Quarterly
At Rs 1,074.96 cr has Grown at 162.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 409.09 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.51% and Fallen
each quarter 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 5,972.40 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 11,051.09 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 243.14 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 2.20%
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 -900.74 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,074.96 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.25
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.44%
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 IDFC First Bank
Non Operating Income - Quarterly
is 163.94 % 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 2,309.43 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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."
