IDFCFIRSTB
IDFC First Bank Limited (IDFCFIRSTB) Stock Analysis
IDFC First Bank Limited is a private bank focused on retail, MSME, and digital banking after merging IDFC Bank and Capital First. It emphasizes customer experience, cards, and secured lending franchises. The bank is building a diversified retail-led balance sheet. It is a listed private-sector bank.
Financial Services › Banks - Regional
₹78.80
-3.35% 1W | +9.20% 52W
Market Cap
68.0k CR
P/E Ratio
30.4
52W High
₹89.6
52W Low
₹58.1
Div. Yield
0.31%
Beta
0.6
50 DMA
₹84.5
200 DMA
₹76.9
Profit Margin
9.1%
Inst. Own.
45.4%
⚡ APPROACHING SUPPORT
⚡ APPROACHING 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 | 6,869 | 7,356 | 7,880 | 8,220 | 8,789 | 8,957 | 9,343 | 9,413 | 9,642 | 9,937 | 10,417 | 10,553 | 11,051 |
| Interest | 3,122 | 3,406 | 3,592 | 3,750 | 4,093 | 4,169 | 4,440 | 4,505 | 4,709 | 4,824 | 4,924 | 4,876 | 5,077 |
| Expenses | 4,114 | 4,377 | 4,874 | 5,164 | 5,417 | 6,270 | 6,260 | 6,459 | 6,589 | 6,581 | 7,006 | 7,106 | 6,802 |
| Financing Profit | -367 | -427 | -587 | -694 | -721 | -1,482 | -1,358 | -1,551 | -1,656 | -1,468 | -1,514 | -1,429 | -828 |
| Financing Margin % | -5% | -6% | -7% | -8% | -8% | -17% | -15% | -16% | -17% | -15% | -15% | -14% | -7% |
| Other Income | 1,364 | 1,410 | 1,517 | 1,642 | 1,574 | 1,727 | 1,780 | 1,895 | 2,227 | 1,891 | 2,125 | 1,630 | 2,310 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 996 | 983 | 930 | 948 | 853 | 245 | 422 | 344 | 571 | 424 | 611 | 201 | 1,482 |
| Tax % | 27% | 24% | 21% | 23% | 25% | 14% | 19% | 14% | 21% | 18% | 22% | -65% | 23% |
| Net Profit | 732 | 747 | 732 | 732 | 643 | 212 | 340 | 296 | 453 | 348 | 479 | 331 | 1,148 |
| EPS in Rs | 1.10 | 1.11 | 1.04 | 1.04 | 0.91 | 0.28 | 0.46 | 0.40 | 0.62 | 0.47 | 0.56 | 0.38 | 1.33 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8,578 | 9,098 | 12,204 | 16,240 | 15,968 | 17,173 | 22,728 | 30,325 | 36,502 | 40,549 | 41,958 |
| Interest | 6,515 | 7,126 | 8,743 | 10,228 | 8,585 | 7,465 | 10,091 | 13,870 | 17,208 | 19,333 | 19,701 |
| Expenses | 1,432 | 1,789 | 4,702 | 9,760 | 8,733 | 12,323 | 13,338 | 17,899 | 23,571 | 26,422 | 27,496 |
| Financing Profit | 631 | 184 | -1,241 | -3,748 | -1,350 | -2,615 | -701 | -1,444 | -4,277 | -5,206 | -5,239 |
| Financing Margin % | 7% | 2% | -10% | -23% | -8% | -15% | -3% | -5% | -12% | -13% | -12% |
| Other Income | 1,019 | 1,120 | 824 | 1,722 | 2,211 | 3,173 | 4,467 | 5,932 | 6,977 | 7,874 | 7,956 |
| Depreciation | 136 | 168 | 2,820 | 320 | 343 | 382 | 435 | 631 | 836 | 861 | 0 |
| Profit before tax | 1,514 | 1,135 | -3,237 | -2,346 | 519 | 175 | 3,331 | 3,857 | 1,864 | 1,807 | 2,717 |
| Tax % | 30% | 16% | -41% | 21% | 7% | 24% | 25% | 24% | 20% | 11% | |
| Net Profit | 1,019 | 880 | -1,908 | -2,843 | 483 | 132 | 2,485 | 2,942 | 1,490 | 1,611 | 2,305 |
| EPS in Rs | 3.00 | 2.58 | -3.99 | -5.91 | 0.85 | 0.21 | 3.75 | 4.16 | 2.04 | 1.87 | 2.74 |
| Dividend Payout % | 25% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 12% | 13% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 21.0% | 20.0% | – |
| Profit CAGR | -13.0% | 28.0% | – |
Shareholding Pattern
FIIs23.80%
DIIs23.40%
Public43.64%
FIIs24.64%
DIIs24.33%
Public41.89%
FIIs36.76%
DIIs22.38%
Public33.05%
FIIs36.52%
DIIs22.73%
Public32.93%
FIIs36.10%
DIIs24.35%
Public31.73%
Promoters39.99%
FIIs19.31%
DIIs7.69%
Public29.05%
Promoters37.43%
FIIs23.65%
DIIs6.79%
Public28.38%
FIIs25.68%
DIIs19.30%
Public45.86%
FIIs36.52%
DIIs22.73%
Public32.93%
FIIs36.10%
DIIs24.35%
Public31.73%
IDFCFIRSTB
Holdings Analysis
Key strengths & risk signals
57
Overall
52
Fundamental
62
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
RECOVERY MODE! Current price (78.8) above 200-day but below 50-day.
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.4% (1 week), 8.6% (1 month), 0.8% (3 months).
POSITIVE YEAR! Stock gained 9.2% in the last year.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (84.5) is above 200-day average (76.9) - positive signal.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 38.2 - watch for reversal.
Fundamental & Technical Analysis
57Overall
52Fundamental
62Technical
Fundamental Breakdown
Growth Quality
15/30
Revenue CAGR: 19.6% (VERY GOOD, 13/15). Profit CAGR: -13.5% (DECLINING, 2/15).
Profit Margin
3/10
LOW MARGIN! 9.1% profit margin - thin profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.31% yield - little to no income.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.87 - acceptable leverage.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 27.54% public ownership - balanced ownership structure.
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 (84.5) is above 200-day average (76.9) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (78.8) above 200-day but below 50-day.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
4/10
POSITIVE YEAR! Stock gained 9.2% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 23,004,706 vs down days: 20,278,764. Ratio: 1.13x
RSI
4/5
APPROACHING OVERSOLD! RSI at 38.2 - watch for reversal.
52W Range
4/5
UPPER HALF! Trading at 65.7% of 52W range - positive territory.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.4% (1 week), 8.6% (1 month), 0.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
IDFCFIRSTB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-07-31 | Concall PDF | |
| Q4FY262026-04-30 | Concall PDF | |
| Q3FY262026-02-23 | Concall PDF | |
| Q2FY262025-10-23 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IDFCFIRSTB | ₹78.80 | 30.4 | 9.1% | 19.6% | -13.5% | +9.2% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| INDUSINDBK | ₹877.40 | 51.4 | 7.6% | -0.4% | -50.7% | +14.8% | 55 | APPROACHING SUPPORT | +71.7% | +74.5% | -4.8% | +6.3% |
| YESBANK | ₹20.90 | 17.5 | 23.2% | 25.3% | 68.4% | -12.1% | 66 | APPROACHING SUPPORT | +32.6% | -1.0% | +11.0% | +4.7% |
| MAHABANK | ₹83.70 | 8.5 | 53.4% | 15.6% | 39.1% | +50.9% | 84 | APPROACHING SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| AUBANK | ₹991.50 | 26.1 | 25.6% | 30.4% | 22.8% | +27.1% | 77 | APPROACHING SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
Data from TradeAlone · Updated daily
