The Federal Bank Limited (FEDERALBNK)

Loading page…

The Federal Bank Limited (FEDERALBNK) · mywealthgrid

About

Federal Bank is a private sector bank with a market cap of ₹86,665 Cr and recent quarterly revenues of ₹6,700–7,900 Cr, operating at high operating margins (average 64.81% OPM). It generates net profit of ₹950–1,400 Cr per quarter and has maintained regular dividend distributions since 2022.

Face value: ₹2

Market cap

₹78,500 Cr

P/E

16.7×

P/B

1.9×

Dividend yield

0.8%

ROE

11.4%

ROCE

6.4%

Debt / equity

0.81

OPM

64.8%

EPS (TTM)

₹19.0

Book value

₹166.8

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Operating margin variability: OPM ranged 62–67% across recent quarters; verify if drivers are credit costs, deposit rates, or loan mix shifts.
Elevated valuation following strong run: 1y return of 76.86%, stock near 52-week high of ₹371.7; verify if growth trajectory supports PE of 18.47.
Moderate returns on equity: ROE of 11.37% suggests capital efficiency is not exceptional; verify performance vs. peer banks.
Banking-sector exposure: verify NPA ratios, capital adequacy buffers, and deposit retention in current interest-rate environment.

Generated analysis · source review pending

Growth drivers

EPS growth of ~30% from ₹3.89 (Sep 2025) to ₹5.09 (Jun 2026) shows profit-generation capability.
Operating margins of 62–67% (average 64.81%) provide a stable profitability base; verify if NIM expansion or fee growth could drive incremental earnings.
D/E ratio of 0.81 indicates balance-sheet capacity for lending growth; verify deposit mobilization rate and lending-book growth to assess expansion limits.

Generated analysis · source review pending

2,528 historical price candles were omitted because the exchange source has not been verified.

₹318.2-0.6%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 64.8%
+Profit CAGR of 20.7% over the last 5 years
+Revenue CAGR of 15.7% over the last 5 years

Cons

−Weak interest coverage of 1.3×

Research score

Structured signal from quality, growth, valuation and momentum.

62/100

Business quality: 38
Growth: 65
Valuation: 82

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MIDCAP 50 NIFTY MIDCAP 150 NIFTY 200 NIFTY MIDSMALLCAP 400 NIFTY 500

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

Loading peers…

Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2016	Mar 2017	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7,826	8,783	13,590	14,314	14,382	17,812	23,565	28,106	29,674
Interest	5,259	5,653	8,678	8,435	7,959	9,975	14,495	17,631	17,772
Expenses	1,932	2,253	4,734	5,628	5,508	5,612	6,619	8,617	10,443
Financing profit	635	878	178	251	914	2,224	2,452	1,858	1,460
Financing margin %	8.1%	10%	1.3%	1.8%	6.4%	12.5%	10.4%	6.6%	4.9%
Other income	808	1,084	1,882	1,958	2,121	2,436	3,216	3,924	4,598
Depreciation	—	—	—	—	389	397	407	194	195
Profit before tax	—	—	2,098	2,241	2,677	4,297	5,298	5,620	5,871
Tax	—	—	507	561	681	1,087	1,333	1,386	1,380
Tax %	—	—	24.2%	25.1%	25.4%	25.3%	25.2%	24.7%	23.5%
PAT	488	853	1,590	1,680	1,996	3,210	3,964	4,234	4,491
EPS (₹)	2.8	5	7.9	8.3	9.5	15	16.8	17	17.7
EPS adjusted (₹)	2.8	5	8.1	8.5	9.5	15.1	16.1	17.1	17.7
	24.7%	17.9%	0%	8.4%	18.9%	6.7%	7.2%	7.1%	6.8%
Gross NPA %	—	—	2.8%	3.4%	2.8%	2.4%	2.1%	1.8%	1.6%
Net NPA %	—	—	1.3%	1.2%	1%	0.7%	0.6%	0.4%	0.2%
Annual report	Annual report for Mar 2016	Annual report for Mar 2017	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	344	345	394	397	399	399	421	423	487	491	493
Reserves	7,720	8,607	11,880	13,101	14,424	16,103	18,835	21,699	30,439	34,962	40,619
Deposits	79,171	97,662	1,11,970	1,34,879	1,52,252	1,72,186	1,81,678	2,12,989	2,52,455	2,83,484	3,13,491
Borrowings	2,298	6,345	12,329	8,706	12,528	12,271	19,587	25,862	25,160	32,596	33,193
Other liabilities	2,021	2,527	2,640	3,469	3,751	4,008	5,721	7,031	9,298	8,619	14,284
Total equity & liabilities	91,554	1,15,486	1,39,214	1,60,552	1,83,353	2,04,967	2,26,241	2,68,004	3,17,839	3,60,152	4,02,081
Fixed assets	524	492	461	480	505	517	672	972	1,063	1,528	1,528
Investments	21,982	27,912	30,595	31,676	35,715	36,732	39,065	48,702	61,043	66,058	76,471
	69,048	87,081	1,08,158	1,28,397	1,47,133	1,67,717	1,86,504	2,18,330	2,55,733	2,92,567	3,24,081
Total assets	91,554	1,15,486	1,39,214	1,60,552	1,83,353	2,04,967	2,26,241	2,68,004	3,17,839	3,60,152	4,02,081

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,557	3,757	-4,697	8,171	3,731	11,195	-7,774	489	6,431	8,801	4,349
	1,990	-2,383	-1,577	-3,374	-4,693	-3,916	908	-9,844	-8,908	-3,794	-11,109
	205	659	8,025	-3,936	3,661	-223	8,193	6,038	3,871	7,401	2,069
Net cash flow	—	2,032	1,751	863	—	7,057	1,327	-3,316	1,394	12,408	-4,691
Free cash flow	-1,718	3,663	-4,790	8,033	3,576	11,065	-8,069	5	6,103	8,046	4,041
CFO / Operating profit %	—	—	—	—	42.1%	128.9%	-87.6%	4%	38%	45.2%	22.6%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking - Other Retail Banking	30,524.78	1,757.79	1,52,837.93	2,55,035.88	—	—
Corporate/Wholesale Banking	12,222.02	2,382.88

Loading financials…

Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2017	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	9.7%	11.7%	11.7%	13.9%	18%	16.8%	15.1%	15.1%
Return ratios
Return on assets %	0.7%	0.9%	0.8%	0.9%	1.2%	1.2%	1.2%	1.1%
Return on capital employed %	1.1%	7.3%	5.6%	5%	5.9%	6.9%	7%	6.4%
Return on equity %	9.5%	10.7%	10.2%	10.4%	14.5%	12.8%	11.9%	10.9%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

Loading ratios…

Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoter	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	27.02%	29.39%	28.57%	28.64%	27.72%	26.32%	26.28%	26.86%	25.54%	24.94%	26.05%	27.71%
	46.15%	44.7%	45.38%	45.19%	47.18%	48.9%	49.07%	48.17%	49.71%	51.11%	50.39%	49.28%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	26.83%	25.91%	26.05%	26.17%	25.1%	24.78%	24.65%	24.97%	24.75%	23.95%	23.56%	23.01%
No. of shareholders	—	—	—	—	—	—	—	—	8,48,372	8,23,258	8,21,700	8,11,380

Loading shareholding…

F&O

Current futures and options contracts with compact option-chain pages.

End of day 30 Sept 2026 · underlying ₹317.4 · volume and open interest in contracts

3

Expiry	Close	Chg	% Chg	Settlement	Open interest	Change in OI	Volume	Lot size
27 Oct 2026	₹320.3	-3.6	-1.1%	₹320.3	33,261	+98	2,800	2500
23 Nov 2026	₹322.1	-3.3	-1%	₹322.1	4,267	-2	196	2500
29 Dec 2026	₹324.1	-0.9	-0.3%	₹324.1	56	+56	65	2500

Open the chart icon on a row for that contract's close over 103 stored sessions, with open interest as bars beneath it.

26

27 Oct 2026 23 Nov 2026 29 Dec 2026

Calls				Strike	Puts
OI	Chg OI	Volume	LTP	—	LTP	Volume	Chg OI	OI
68	+27	68	₹12.4

Loading f&o…

Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

194

across 22 fund houses

Held by these funds

15.7%

of the company's equity

All mutual funds

37.69%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

194 schemes · 22 fund houses

		Shares
Portfolio of Kotak Mid Cap FundNEW	Kotak Mahindra Mutual Fund	5.51 Cr	1,963.85	2.76%	2.232%	—
Midcap Fund	Axis Mutual Fund	4.37 Cr	1,560.22	4.4%	1.773%	-0
Growth Mid Cap FundNEW	Nippon India Mutual Fund	4.1 Cr	1,462.47	2.8%	1.662%	—
Midcap Fund	SBI Mutual Fund	1.8 Cr	642.06	2.62%	0.73%	-0
ETF NIFTY BANK BEES	Nippon India Mutual Fund	1.68 Cr	600.1	7.15%	0.682%	-1.38 L
Mid Cap Fund	DSP Mutual Fund	1.57 Cr	559.71	2.66%	0.636%	-0
ELSS- Tax Saver Fund	Axis Mutual Fund	1.09 Cr	389.53	1.19%	0.443%	-0
MultiCap Fund	SBI Mutual Fund	1 Cr	356.7	1.45%	0.405%	-0

1–8 of 194

1 / 25

Loading fund holders…

Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Jul 2026Transcript AI Summary PPTREC
May 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

Loading documents…

Events

Upcoming dates and the company’s corporate-action history.

Loading events…

Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

63 announcementsExport CSV

30 Sept 2026, 7:08 pmCompany Update

Announcement under Regulation 30 (LODR)-Retirement

Retirement PDF

29 Sept 2026, 1:39 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

28 Sept 2026, 10:49 pmCompany Update

Announcement under Regulation 30 (LODR)-Change in Directorate

Change in Directorate PDF

27 Sept 2026, 6:41 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS PDF

22 Sept 2026, 3:53 pmCompany Update

Announcement under Regulation 30 (LODR)-Credit Rating

Credit Rating PDF

19 Sept 2026, 2:35 pmCompany Update

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

Allotment of ESOP / ESPS PDF

18 Sept 2026, 11:19 pmCompany Update

Intimation Under Regulation 30 Of SEBI LODR Regulations, 2015, Regarding Establishment Of US$ 500 Million Medium Term Note Programme ('MTN Programme') Of The Federal Bank Limited

General PDF

17 Sept 2026, 3:42 pmBoard Meeting

Board Meeting Outcome for Board Meeting Outcome

Outcome of Board Meeting PDF

Date	Category	Subject	Filing
30 Sept 2026, 7:08 pm	Company Update Retirement	Announcement under Regulation 30 (LODR)-Retirement	PDF
29 Sept 2026, 1:39 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window	PDF

Loading announcements…

Ratio	Mar 2017	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	9.7%	11.7%	11.7%	13.9%	18%	16.8%	15.1%	15.1%
Return ratios
Return on assets %	0.7%	0.9%	0.8%	0.9%	1.2%	1.2%	1.2%	1.1%
Return on capital employed %	1.1%	7.3%	5.6%	5%	5.9%	6.9%	7%	6.4%
Return on equity %	9.5%	10.7%	10.2%	10.4%	14.5%	12.8%	11.9%	10.9%

45 deals · 9 Sept 2021 – 29 May 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
29 May 2026	BNP PARIBAS FINANCIAL MARKETS	Bulk	NSE	Sell	3,76,04,663	₹288.57	₹1,085.16 Cr
29 May 2026	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	1,62,41,186	₹289.09	₹469.52 Cr
29 May 2026	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Buy	1,62,41,186	₹288.73	₹468.93 Cr
29 May 2026	YOKE SECURITIES LTD	Bulk	NSE	Buy	1,60,19,302	₹288.57	₹462.27 Cr
29 May 2026	YOKE SECURITIES LTD	Bulk	NSE	Sell	1,60,19,302	₹288.86	₹462.73 Cr
29 May 2026	INTEGRATED CORE STRATEGIES (ASIA) PTE. LTD.	Bulk	NSE	Sell	1,51,69,881	₹288.36	₹437.44 Cr
29 May 2026	BNP PARIBAS FINANCIAL MARKETS	Bulk	NSE	Buy	1,428	₹288.73	₹0.04 Cr
10 Mar 2026	SOCIETE GENERALE	Block	BSE	Buy	33,98,195	₹276.00	₹93.79 Cr
10 Mar 2026	BNP PARIBAS FINANCIAL MARKETS	Block	BSE	Sell	33,98,195	₹276.00	₹93.79 Cr
4 Feb 2026	SOCIETE GENERALE	Block	BSE	Sell	31,00,000	₹287.00	₹88.97 Cr

1–10 of 45

1 / 5

Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

The Federal Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Futures3

Option chain26

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Announcements

Ratio timeline

Quarterly record

Dividends19

Board meetings1

Stock splits1

Bulk & block deals

Board and management

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Futures3

Option chain26

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate/ Wholsesale Banking · revenue

3

26

19

1

1

3

26