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
2.62%
0.07
32.12%
Sensex
-5.54%
-0.46
13.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
26.72%
Net Profit Growth (5y)
32.57%
Advance to Deposit
101.85%
Capital Adequacy Ratio (Tier 1)
13.72%
Gross NPA (latest)
1.69%
Gross NPA (avg)
2.52%
Coverage Ratio (avg)
66.51%
Cost to Income (avg)
72.57%
Net Interest Margin (avg)
6.44%
Operating Profit to Assets (avg)
8.31%
ROA (avg)
0.60%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Price to Book Value
1.08
PEG Ratio
NA
Dividend Yield
0.29%
ROE (Latest)
3.46%
ROA (Latest)
0.41%
Net NPA to Book Value
3.05
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at Rs 5,492.44 cr
INTEREST EARNED(Q)
Highest at Rs 10,417.02 cr
GROSS NPA(Q)
Lowest at 1.69%
PAT(Q)
At Rs 502.54 cr has Grown at 37.8% (vs previous 4Q average
-4What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 9,873.11 cr
PBDIT(Q)
Lowest at Rs -91.62 cr.
NON-OPERATING INCOME(Q)
is 334.62 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Net Interest Income (Quarterly)
Highest at Rs 5,492.44 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 10,417.02 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 1.69%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 502.54 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 502.54 cr has Grown at 37.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 364.60 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
CAR - Quarterly
Highest at 15.84%
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 IDFC First Bank
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -91.62 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Non Operating Income - Quarterly
is 334.62 % 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
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 9,873.11 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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