Fedbank Financial Services Limited (FEDFINA)

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Fedbank Financial Services Limited (FEDFINA) · mywealthgrid

About

Fedbank Financial Services is an NBFC with market cap ₹5,656 Cr and quarterly revenues near ₹670 Cr. PE 14.77 and ROE 12.56% position it as a mid-sized player in the Indian NBFC sector. Recent quarters show consistent revenue and profit growth.

Face value: ₹10

Market cap

₹5,615 Cr

P/E

14.7×

P/B

1.9×

Dividend yield

ROE

12.6%

ROCE

—

Debt / equity

4.61

OPM

62.6%

EPS (TTM)

₹10.2

Book value

₹78.2

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Dec 2024 net profit crashed 71% to ₹18.76 Cr despite 4% revenue growth—verify root cause and whether recurring

Operating margins of 62-65% exceed typical NBFC levels; verify sustainability and one-time item exposure

D/E ratio not disclosed; balance-sheet leverage and funding structure opaque. Verify debt burden and capital adequacy

NBFC sector credit-cycle exposure, asset concentration, and regulatory risk. Verify reserve coverage and loan delinquency

Generated analysis · source review pending

Growth drivers

Revenue expanded 31% in 22 months (₹513 Cr Sep 2024 → ₹670 Cr Jun 2026) with consistent quarterly gains

EPS surged 75% in 22 months (₹1.74 → ₹3.05) while revenue grew 31%, demonstrating margin expansion beyond topline

Operating margin recovered to 65.69% (Jun 2026) post-Dec 2024 dip, indicating operational health normalized

FII ownership jumped from 0.66% to 9.31% in three months (Mar–Jun 2026)—verify if reflects improved outlook or sector rotation

Generated analysis · source review pending

697 historical price candles were omitted because the exchange source has not been verified.

₹149.8+0.6%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 62.6%
+Profit CAGR of 24% over the last 3 years
+Revenue CAGR of 23.6% over the last 3 years
+High promoter holding of 60.7% with no pledge

Cons

−Heavily leveraged (debt/equity 4.6)
−Weak interest coverage of 1.5×

Research score

Structured signal from quality, growth, valuation and momentum.

69/100

Business quality: 33
Growth: 94
Valuation

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 MICROCAP 250 NIFTY TOTAL MARKET

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Financials

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

Annual Quarterly

Standalone figures · ₹ crore

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1,179	1,577	2,036	2,224
Interest	472	680	854	879
Expenses	484	578	873	832
Financing profit	223	320	309	512
Financing margin %	18.9%	20.3%	15.2%	23.1%
Other income	36	46	44	3
Depreciation	—	37	49	54
Exceptional items	-15	0	0	0
Profit before tax	243	328	304	461
Tax	63	83	79	117
Tax %	25.9%	25.4%	25.9%	25.5%
PAT	180	245	225	344
EPS (₹)	5.6	7.2	6.1	9.2
EPS adjusted (₹)	5.6	6.6	6	9.2
Annual report	—	Annual report for Mar 2024	Annual report for Mar 2025	—

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	322	369	373	374
Reserves	1,034	1,891	2,175	2,552
	7,136	8,215	10,269	13,484
	579	662	434	465
Total equity & liabilities	9,071	11,138	13,250	16,875
	34	146	189	220
CWIP	1	0	0	2
Investments	681	751	404	402
	8,356	10,241	12,656	16,252
Total assets	9,071	11,138	13,250	16,875

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1,474	-776	-978	-1,664
	-130	-100	329	-31
	1,632	967	1,187	2,310
Net cash flow	28	92	539	615
Free cash flow	-1,487	-787	-995	-1,692
CFO / Operating profit %	-212.2%	-77.6%	-84.1%	-119.6%

Compounded sales growth

7 years: —
5 years: —
3 years: 24%
1 year: 9%

Compounded profit growth

7 years: —
5 years: —
3 years: 24%
1 year: 53%

Return on equity

7 years: —
5 years: —
3 years: 11%
Last year: 12%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs.

Source XBRL ↗

Latest reported period · 31 Mar 2024 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities
Retail Finance	1,484.95	256.88	—	8,864.1
Unallocated	99.38	73.74	—	0
Distribution	36.57	1.66

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Ratios

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

Standalone figures

Ratio	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—
EBITDA margin %	58.9%	63.4%	57.1%	62.6%
EBIT margin %	58.9%	61%	54.7%	60.1%
PAT margin %	15.3%	15.5%	11.1%	15.5%
Working capital
Receivable days	5	—	—	—
Inventory days	—	0	0	0
Payable days	—	—	—	—
NWC days	—	—	—	—
Leverage
Current ratio	—	—	—	—
Debt to EBITDA	10.27	8.22	8.83	9.69
Debt to equity	5.26	3.63	4.03	4.61
Interest coverage	1.5	1.5	1.4	1.5
Asset turnover	0.13	0.14	0.15	0.13
Return ratios
Return on assets %	2%	2.2%	1.7%	2%
Return on capital employed %	—	—	—	—
Return on equity %	13.3%	10.8%	8.8%	11.7%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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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
	61.65%	61.65%	61.58%	61.35%	61.16%	61.04%	61.03%	60.97%	60.88%	60.81%	60.79%	60.67%
	4.11%	2.54%	1.05%	0.85%	0.63%	0.52%	0.49%	0.78%	1.17%	0.91%	0.66%	9.31%
	21.56%	22.63%	23.17%	23.44%	22.56%	21.36%	20.81%	20.11%	19.36%	18.18%	18.82%	10.89%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	12.68%	13.18%	14.2%	14.36%	15.65%	17.08%	17.67%	18.14%	18.59%	20.1%	19.73%	19.13%
No. of shareholders	—	—	—	—	—	—	—	—	1,27,424	1,27,190	1,21,385	1,16,070

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F&O

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

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

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

Portfolio month

Schemes holding

across 2 fund houses

Held by these funds

0.08%

of the company's equity

All mutual funds

4.22%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

3 schemes · 2 fund houses

		Shares
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	3.09 L	4.86	0.19%	0.082%	-6,771
IB18-Groww Nifty Total Market Index Fund	Groww Mutual Fund	2,116	0.03	0.01%	0.001%	+9
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	355	0.01	0.01%	0%	-0

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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 PPT REC
Apr 2026Transcript AI Summary PPT

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

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Events

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

1

Board meeting to consider results15 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

224 announcementsExport CSV

29 Sept 2026, 7:47 pmAGM/EGM

Shareholder Meeting / Postal Ballot-Scrutinizer''s Report

AGM PDF

29 Sept 2026, 6:54 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

29 Sept 2026, 2:45 pmAGM/EGM

Shareholder Meeting / Postal Ballot-Outcome of AGM

AGM PDF

28 Sept 2026, 7:56 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Analyst / Investor Meet PDF

22 Sept 2026, 6:31 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

16 Sept 2026, 2:44 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

Analyst / Investor Meet PDF

16 Sept 2026, 10:26 amCompany Update

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

Allotment of ESOP / ESPS PDF

7 Sept 2026, 5:55 pmCompany Update

Communication Regarding Company''s Annual Report For Financial Year 2025-26

General PDF

Date	Category	Subject	Filing
29 Sept 2026, 7:47 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report	PDF
29 Sept 2026, 6:54 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window

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Ratio	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
Gross margin %	—	—	—	—
EBITDA margin %	58.9%	63.4%	57.1%	62.6%
EBIT margin %	58.9%	61%	54.7%	60.1%
PAT margin %	15.3%	15.5%	11.1%	15.5%
Working capital
Receivable days	5	—	—	—
Inventory days	—	0	0	0
Payable days	—	—	—	—
NWC days	—	—	—	—
Leverage
Current ratio	—	—	—	—
Debt to EBITDA	10.27	8.22	8.83	9.69
Debt to equity	5.26	3.63	4.03	4.61
Interest coverage	1.5	1.5	1.4	1.5
Asset turnover	0.13	0.14	0.15	0.13
Return ratios
Return on assets %	2%	2.2%	1.7%	2%
Return on capital employed %	—	—	—	—
Return on equity %	13.3%	10.8%	8.8%	11.7%

10 deals · 30 Nov 2023 – 12 May 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
12 May 2026	NOMURA INDIA INVESTMENT FUND MOTHER FUND	Bulk	NSE	Buy	1,44,07,139	₹150.00	₹216.11 Cr
12 May 2026	NOMURA INDIA INVESTMENT FUND MOTHER FUND	Block	NSE	Buy	1,44,07,139	₹150.00	₹216.11 Cr
12 May 2026	TRUE NORTH FUND VI LLP	Bulk	NSE	Sell	1,28,47,570	₹150.00	₹192.71 Cr
12 May 2026	TRUE NORTH FUND VI LLP	Block	NSE	Sell	1,28,47,570	₹150.00	₹192.71 Cr
12 May 2026	TRUE NORTH FUND VI LLP	Bulk	NSE	Sell	1,28,47,569	₹150.00	₹192.71 Cr
12 May 2026	TRUE NORTH FUND VI LLP	Block	NSE	Sell	1,28,47,569	₹150.00	₹192.71 Cr
12 May 2026	TNTBC AS THE TRUSTEE OF NOMURA INDIA STOCK MOTHER FUND	Bulk	NSE	Buy	1,12,88,000	₹150.00	₹169.32 Cr
12 May 2026	TNTBC AS THE TRUSTEE OF NOMURA INDIA STOCK MOTHER FUND	Block	NSE	Buy	1,12,88,000	₹150.00	₹169.32 Cr
27 Aug 2024	ANIL KOTHURI	Bulk	NSE	Sell	20,00,000	₹121.01	₹24.20 Cr
30 Nov 2023	BLEND FUND 2	Bulk	NSE	Buy	30,06,541	₹143.86	₹43.25 Cr

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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.

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

Fedbank Financial Services 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

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Events

Board meetings1

Announcements

Ratio timeline

Not in the F&O segment

Quarterly record

Bulk & block deals

Board and management

Board meetings1

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Segment results

Distribution · revenue

1

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