FEDFINA
Fedbank Financial Services Limited (FEDFINA) Stock Analysis
Fedbank Financial Services Limited is an Indian non-bank finance company in the Federal Bank ecosystem. It provides vehicle, MSME, and retail finance products. The company supports lending partnerships and co-lending models. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹159.90
+7.66% 1W | -4.40% 52W
Market Cap
6.0k CR
P/E Ratio
15.8
52W High
₹178.5
52W Low
₹119.1
Div. Yield
0%
Beta
0.7
50 DMA
₹153.5
200 DMA
₹148.8
Profit Margin
29%
Inst. Own.
15.8%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 395 | 413 | 408 | 477 | 513 | 530 | 536 | 517 | 535 | 555 | 616 | 670 |
| Interest | 164 | 167 | 176 | 173 | 202 | 214 | 221 | 216 | 218 | 214 | 208 | 239 | 273 |
| Expenses | 124 | 144 | 156 | 154 | 184 | 207 | 273 | 210 | 187 | 202 | 215 | 228 | 230 |
| Financing Profit | 74 | 84 | 82 | 80 | 91 | 92 | 36 | 111 | 112 | 120 | 132 | 149 | 167 |
| Financing Margin % | 21% | 21% | 20% | 20% | 19% | 18% | 7% | 21% | 22% | 22% | 24% | 24% | 25% |
| Other Income | 6 | 3 | 16 | 20 | 14 | 6 | 2 | 1 | 1 | 1 | 1 | 1 | 0 |
| Depreciation | 9 | 9 | 10 | 9 | 11 | 12 | 13 | 13 | 12 | 13 | 14 | 15 | 14 |
| Profit before tax | 72 | 77 | 88 | 91 | 94 | 86 | 25 | 99 | 100 | 107 | 118 | 135 | 153 |
| Tax % | 25% | 25% | 26% | 26% | 25% | 25% | 25% | 27% | 25% | 25% | 26% | 25% | 25% |
| Net Profit | 54 | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 | 101 | 114 |
| EPS in Rs | 1.68 | 1.80 | 1.77 | 1.83 | 1.89 | 1.74 | 0.50 | 1.92 | 2.01 | 2.14 | 2.35 | 2.69 | 3.05 |
| Gross NPA % | 2.26% | 2.34% | 2.19% | 1.70% | 1.97% | 1.87% | 1.80% | 2.02% | 1.99% | 1.90% | 2.06% | 1.87% | 1.55% |
| Net NPA % | 1.78% | 1.83% | 1.66% | 1.30% | 1.60% | 1.47% | 1.10% | 1.22% | 1.24% | 1.30% | 1.40% | 1.28% | 0.96% |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 255 | 464 | 692 | 869 | 1,180 | 1,577 | 2,063 | 2,224 | 2,377 |
| Interest | 114 | 201 | 313 | 348 | 472 | 680 | 854 | 879 | 934 |
| Expenses | 83 | 190 | 280 | 359 | 442 | 578 | 873 | 832 | 875 |
| Financing Profit | 58 | 74 | 99 | 162 | 266 | 320 | 336 | 513 | 568 |
| Financing Margin % | 23% | 16% | 14% | 19% | 23% | 20% | 16% | 23% | 24% |
| Other Income | 0 | 2 | 6 | 14 | 19 | 46 | 17 | 3 | 3 |
| Depreciation | 8 | 19 | 27 | 37 | 42 | 37 | 49 | 54 | 56 |
| Profit before tax | 51 | 56 | 77 | 139 | 243 | 328 | 304 | 461 | 514 |
| Tax % | 29% | 30% | 20% | 26% | 26% | 25% | 26% | 25% | |
| Net Profit | 36 | 39 | 62 | 103 | 180 | 245 | 225 | 344 | 383 |
| EPS in Rs | 1.57 | 1.43 | 2.13 | 3.22 | 5.60 | 6.62 | 6.04 | 9.18 | 10.23 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 24.0% | 26.0% | – |
| Profit CAGR | 22.0% | 41.0% | – |
Shareholding Pattern
Promoters60.97%
FIIs0.77%
DIIs20.11%
Public18.15%
Promoters60.88%
FIIs1.17%
DIIs19.36%
Public18.59%
Promoters60.81%
FIIs0.91%
DIIs18.17%
Public20.11%
Promoters60.79%
FIIs0.66%
DIIs18.82%
Public19.73%
Promoters60.67%
FIIs9.30%
DIIs10.89%
Public19.13%
Promoters61.58%
FIIs1.05%
DIIs23.17%
Public14.19%
Promoters61.03%
FIIs0.49%
DIIs20.81%
Public17.67%
Promoters60.79%
FIIs0.66%
DIIs18.82%
Public19.73%
Promoters60.67%
FIIs9.30%
DIIs10.89%
Public19.13%
FEDFINA
Holdings Analysis
Key strengths & risk signals
82
Overall
84
Fundamental
81
Technical
Risks (1)
VERY HIGH DEBT! D/E of 4.10 - significant risk.
Strengths (4)
UNDERVALUED! PEG of 0.75 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (154.4) is above 200-day average (146.4) - positive signal.
GOOD YEAR! Stock gained 30.4% in the last year.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
Fundamental & Technical Analysis
82Overall
84Fundamental
81Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 24.2% (EXCELLENT, 15/15). Profit CAGR: 24.0% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 27.9% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.75 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 4.10 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 13.17% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (154.4) is above 200-day average (146.4) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (163.6) is above both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATION
52W Performance
10/10
GOOD YEAR! Stock gained 30.4% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 2,457,009 vs down days: 1,837,334. Ratio: 1.34x
RSI
3/5
BULLISH! RSI at 60.2 - positive momentum.
52W Range
4/5
UPPER HALF! Trading at 75.3% of 52W range - positive territory.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 9.8% (1 week), 0.8% (1 month), 15.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
FEDFINA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-21 | Concall PDF | |
| Q2FY262026-01-22 | Concall PDF | |
| Q1FY262025-10-25 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FEDFINA | ₹159.90 | 15.8 | 29.0% | 23.5% | 24.0% | -4.4% | 82 | BOUNCE FROM SUPPORT | +52.5% | +13.8% | +30.8% | +9.0% |
| KISSHT | ₹369.70 | 19.4 | 15.1% | 16.6% | 140.9% | +79.1% | 76 | CONSOLIDATING UP | +59.3% | +59.3% | +44.6% | +44.6% |
| TFCILTD | ₹160.80 | 48.3 | 67.8% | 6.1% | 12.0% | +113.7% | 68 | HIT RESISTANCE | +100.0% | +91.3% | +32.1% | +7.4% |
| PAISALO | ₹81.70 | 29.5 | 45.8% | 52.7% | 36.3% | +115.8% | 88 | CONSOLIDATING UP | +29.9% | -15.1% | +18.9% | -0.5% |
| SBFC | ₹89.00 | 20.6 | 44.9% | 37.0% | 44.4% | -19.3% | 70 | CONSOLIDATING DOWN | +28.9% | +5.9% | +28.3% | +8.2% |
| FIVESTAR | ₹512.30 | 13.8 | 47.8% | 27.5% | 22.1% | -5.2% | 63 | CONSOLIDATING DOWN | +1.9% | +0.8% | +6.1% | +1.4% |
| IFCI | ₹69.40 | 108.4 | 12.7% | 11.5% | – | +28.3% | 62 | BREAKDOWN | -16.0% | +153.8% | -28.5% | -34.4% |
| MASFIN | ₹266.40 | 12.3 | 40.5% | 25.5% | 22.2% | -10.3% | 67 | BREAKDOWN | +26.8% | +5.2% | +20.3% | +7.1% |
Data from TradeAlone · Updated daily
