Federal Bank Ltd

Federal Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Federal Bank Ltd

₹ 211 2.05%
21 Nov - close price
federalbank.co.in BSE: 500469 NSE: FEDERALBNK
About

The Federal Bank Limited (‘the Bank’) was incorporated in 1931 as Travancore Federal Bank Limited. It provides retail and corporate banking, para banking activities such as debit card, third party product distribution etc., treasury and foreign exchange business.[1].It is the second-largest bank and the largest private sector bank in Kerala[2]

Key Points

Ratios 9MFY24
Capital Adequacy Ratio - 15.02%[1]
Net Interest Margin - 3.19%[2]
Gross NPA - 2.29%
Net NPA - 0.64%[3]
CASA Ratio - 30.63%[4]

Website BSE NSE
  • Market Cap ₹ 51,714 Cr.
  • Current Price ₹ 211
  • High / Low ₹ 211 / 139
  • Stock P/E 13.0
  • Book Value ₹ 119
  • Dividend Yield 0.57 %
  • ROCE 6.81 %
  • ROE 14.7 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Company has delivered good profit growth of 24.7% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.7% over last 3 years.
  • Contingent liabilities of Rs.1,09,230 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 3,379 3,443 3,483 3,629 4,021 4,433 4,721 5,025 5,455 5,730 5,978 6,331 6,577
Interest 1,900 1,904 1,958 2,024 2,259 2,477 2,811 3,106 3,399 3,607 3,783 4,039 4,210
1,352 1,323 1,267 1,250 1,427 1,415 1,425 1,504 1,506 1,640 1,744 1,851 1,924
Financing Profit 128 216 258 354 335 542 484 414 550 484 451 441 443
Financing Margin % 4% 6% 7% 10% 8% 12% 10% 8% 10% 8% 8% 7% 7%
492 484 465 453 610 534 734 732 730 863 754 915 964
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 619 700 723 807 944 1,076 1,218 1,147 1,281 1,346 1,205 1,357 1,407
Tax % 26% 26% 25% 26% 25% 25% 26% 26% 26% 25% 25% 26% 25%
460 522 541 601 704 804 903 854 954 1,007 906 1,010 1,057
EPS in Rs 2.19 2.48 2.57 2.86 3.34 3.80 4.27 4.03 4.06 4.14 3.72 4.12 4.31
Gross NPA % 3.24% 3.06% 2.80% 2.69% 2.46% 2.43% 2.36% 2.38% 2.26% 2.29% 2.13% 2.11% 2.09%
Net NPA % 1.12% 1.05% 0.96% 0.94% 0.78% 0.73% 0.69% 0.69% 0.64% 0.64% 0.60% 0.60% 0.57%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 6,168 6,946 7,419 7,748 8,677 9,753 11,419 13,211 13,758 13,661 16,804 22,188 24,617
Interest 4,193 4,717 5,039 5,240 5,625 6,170 7,243 8,562 8,224 7,699 9,571 13,895 15,639
1,367 1,617 1,663 2,491 2,706 3,275 3,500 4,428 5,251 5,392 5,353 6,179 7,159
Financing Profit 608 612 717 17 347 308 677 221 283 570 1,879 2,114 1,819
Financing Margin % 10% 9% 10% 0% 4% 3% 6% 2% 2% 4% 11% 10% 7%
664 694 878 808 1,082 1,159 1,351 1,931 1,959 2,089 2,330 3,079 3,496
Depreciation 79 94 75 105 122 123 120 119 104 123 165 215 0
Profit before tax 1,194 1,212 1,521 720 1,306 1,344 1,907 2,033 2,137 2,536 4,044 4,978 5,315
Tax % 30% 31% 34% 34% 36% 35% 35% 24% 26% 25% 26% 25%
838 839 1,006 476 831 879 1,244 1,543 1,590 1,890 3,011 3,721 3,979
EPS in Rs 4.90 4.90 5.87 2.77 4.82 4.46 6.27 7.74 7.97 8.99 14.23 15.28 16.29
Dividend Payout % 18% 20% 19% 25% 19% 22% 22% 0% 9% 20% 7% 8%
Compounded Sales Growth
10 Years: 12%
5 Years: 14%
3 Years: 17%
TTM: 25%
Compounded Profit Growth
10 Years: 16%
5 Years: 25%
3 Years: 33%
TTM: 13%
Stock Price CAGR
10 Years: 11%
5 Years: 19%
3 Years: 32%
1 Year: 45%
Return on Equity
10 Years: 12%
5 Years: 13%
3 Years: 14%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 171 171 171 344 345 394 397 399 399 421 423 487
Reserves 6,194 6,780 7,567 7,747 8,598 11,816 12,876 14,119 15,725 18,373 21,083 28,607
62,802 65,419 73,133 84,286 103,562 123,526 142,736 162,663 181,713 197,094 232,705 270,560
1,866 2,224 1,979 2,204 2,473 2,578 3,331 3,458 3,530 5,059 6,130 8,657
Total Liabilities 71,033 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342 308,312
397 402 440 504 475 448 455 455 479 606 853 954
CWIP 2 23 27 16 15 9 17 25 12 28 81 66
Investments 21,155 24,118 20,569 25,155 28,196 30,781 31,824 35,893 37,186 39,179 48,983 60,860
49,478 50,051 61,815 68,906 86,291 107,076 127,043 144,265 163,690 181,133 210,424 246,432
Total Assets 71,033 74,594 82,850 94,581 114,977 138,314 159,340 180,638 201,367 220,946 260,342 308,312

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2,899 1,225 5,164 -1,519 3,757 -4,697 8,171 4,884 12,207 -6,497 2,870 7,553
-3,479 -736 -1,364 1,991 -2,383 -1,576 -3,372 -4,665 -3,900 806 -9,834 -8,856
768 321 -3,549 168 659 8,025 -3,936 2,289 -1,290 7,110 3,643 2,577
Net Cash Flow 187 809 251 640 2,032 1,751 863 2,508 7,017 1,419 -3,322 1,274

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 14% 13% 14% 6% 10% 8% 10% 11% 10% 11% 15% 15%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
25.23% 26.01% 26.20% 26.40% 27.72% 26.94% 26.27% 27.02% 29.38% 28.57% 28.63% 27.72%
41.66% 43.25% 42.12% 44.22% 42.33% 43.66% 42.11% 45.74% 44.39% 45.16% 44.97% 46.95%
33.11% 30.74% 31.68% 29.38% 29.96% 29.41% 31.61% 27.25% 26.23% 26.28% 26.40% 25.32%
No. of Shareholders 7,79,3037,23,6237,54,4886,90,7527,07,1577,36,6748,09,3977,82,9007,96,9598,70,0108,55,8878,51,199

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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