Federal Bank Ltd
FEDERALBNK
Banks
₹ 194.36
Price
₹ 47,779
Market Cap
Large Cap
11.80
P/E Ratio
📊 Score Snapshot
3.08 / 25
Performance
25 / 25
Valuation
3.3 / 20
Growth
7.0 / 30
Profitability
38.39 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 31.79 | 24.20 | -2.78 | -43.98 | 46.42 | 12.97 | 34.99 | -30.12 |
| Adj Cash PAT | 7,885 | 5,978 | -543.25 | -9,220 | 9,279 | 2,594 | 6,947 | -5,941 |
| Adj Cash PAT To PAT | 1.86 | 1.51 | -0.17 | -4.61 | 5.52 | 1.63 | 5.22 | -6.35 |
| Adj Cash PE | 6.05 | 6.39 | - | - | 1.70 | 3.08 | 2.83 | - |
| Adj EPS | 16.93 | 15.95 | 14.95 | 9.39 | 8.35 | 7.95 | 6.69 | 4.74 |
| Adj Number Of Shares | 245.66 | 243.57 | 211.71 | 210.25 | 199.52 | 199.24 | 198.49 | 197.26 |
| Adj PE | 11.37 | 9.70 | 8.85 | 10.84 | 9.45 | 5.03 | 14.88 | 20.50 |
| Adj Peg | 1.85 | 1.45 | 0.15 | 0.87 | 1.88 | 0.27 | 0.36 | - |
| Bvps | 144.32 | 126.97 | 106.15 | 93.04 | 83.81 | 75.31 | 68.41 | 62.22 |
| Cash Revenue | 28,106 | 47,130 | 35,624 | 28,764 | 28,628 | 27,180 | 23,270 | 19,830 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.62 | 0.82 | 0.79 | 1.75 | 0.85 | - | 1.41 | 1.02 |
| Fcfe | 14,570 | 5,193 | 5,433 | -2,053 | 9,011 | 6,331 | 3,314 | -5,911 |
| Fcfe Margin | 51.84 | 11.02 | 15.25 | -7.14 | 31.47 | 23.29 | 14.24 | -29.81 |
| Fcfe To Adj PAT | 3.44 | 1.31 | 1.69 | -1.03 | 5.36 | 3.97 | 2.49 | -6.32 |
| Market Cap | 47,272 | 37,644 | 28,009 | 21,361 | 15,732 | 7,950 | 19,601 | 19,184 |
| PB | 1.33 | 1.22 | 1.25 | 1.09 | 0.94 | 0.53 | 1.44 | 1.56 |
| PE | 11.37 | 9.70 | 8.85 | 10.84 | 9.45 | 5.03 | 14.89 | 20.52 |
| Peg | 1.81 | 1.48 | 0.15 | 0.88 | 1.83 | 0.26 | 0.37 | - |
| PS | 1.68 | 0.80 | 0.79 | 0.74 | 0.55 | 0.29 | 0.84 | 0.97 |
| ROE | 12.76 | 14.87 | 15.28 | 11.02 | 10.60 | 11.15 | 10.29 | 8.81 |
| Share Price | 192.43 | 154.55 | 132.30 | 101.60 | 78.85 | 39.90 | 98.75 | 97.25 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7,216 | 7,151 | 7,108 | 14,530 | 14,012 | 13,456 | 12,678 | 12,170 | 11,582 | 10,700 | 10,024 | 9,396 | 8,518 | 7,686 |
| Interest | 4,429 | 4,540 | 4,456 | 4,570 | 4,393 | 4,212 | 3,936 | 3,760 | 3,544 | 3,255 | 2,938 | 2,585 | 2,349 | 2,104 |
| Expenses - | 2,519 | 2,506 | 2,265 | 2,349 | 2,149 | 2,048 | 1,917 | 1,814 | 1,661 | 1,634 | 1,574 | 1,544 | 1,541 | 1,351 |
| Financing Profit | 267.00 | 105.00 | 386.00 | 346.00 | 463.00 | 468.00 | 486.00 | 511.00 | 586.00 | 461.00 | 500.00 | 569.00 | 369.00 | 388.00 |
| Financing Margin % | 3.70 | 1.47 | 5.43 | 2.38 | 3.30 | 3.48 | 3.83 | 4.20 | 5.06 | 4.31 | 4.99 | 6.06 | 4.33 | 5.05 |
| Other Income - | 1,105 | 1,164 | 1,047 | 931.00 | 1,010 | 936.00 | 810.00 | 908.00 | 757.00 | 741.00 | 768.00 | 565.00 | 628.00 | 475.00 |
| Profit Before Tax | 1,373 | 1,270 | 1,434 | 1,277 | 1,473 | 1,404 | 1,296 | 1,420 | 1,343 | 1,202 | 1,269 | 1,134 | 997.00 | 863.00 |
| Tax % | 25.49 | 25.12 | 21.90 | 25.53 | 24.30 | 25.43 | 23.15 | 24.86 | 25.02 | 25.62 | 24.03 | 24.51 | 25.28 | 25.26 |
| Net Profit - | 1,023 | 951.00 | 1,120 | 951.00 | 1,115 | 1,047 | 996.00 | 1,067 | 1,007 | 894.00 | 964.00 | 856.00 | 745.00 | 645.00 |
| Profit From Associates | 3.00 | 4.00 | 12.00 | 3.00 | 10.00 | 7.00 | 24.00 | 4.00 | 7.00 | 2.00 | 24.00 | 4.00 | 4.00 | 2.00 |
| Minority Share | -31.00 | -32.00 | -30.00 | -7.00 | -19.00 | -20.00 | -25.00 | -32.00 | -13.00 | -14.00 | -10.00 | -13.00 | -12.00 | -11.00 |
| Profit Excl Exceptional | 1,023 | 951.00 | 1,120 | 951.00 | 1,115 | 1,047 | 996.00 | 1,067 | 1,007 | 894.00 | 964.00 | 856.00 | 745.00 | 645.00 |
| Profit For PE | 992.00 | 918.00 | 1,091 | 944.00 | 1,096 | 1,028 | 971.00 | 1,035 | 994.00 | 880.00 | 954.00 | 843.00 | 733.00 | 634.00 |
| Profit For EPS | 992.00 | 918.00 | 1,091 | 944.00 | 1,096 | 1,028 | 971.00 | 1,035 | 994.00 | 880.00 | 954.00 | 843.00 | 733.00 | 634.00 |
| EPS In Rs | 4.03 | 3.74 | 4.44 | 3.85 | 4.47 | 4.20 | 3.99 | 4.26 | 4.23 | 4.16 | 4.51 | 3.99 | 3.48 | 3.02 |
| PAT Margin % | 14.18 | 13.30 | 15.76 | 6.55 | 7.96 | 7.78 | 7.86 | 8.77 | 8.69 | 8.36 | 9.62 | 9.11 | 8.75 | 8.39 |
| PBT Margin | 19.03 | 17.76 | 20.17 | 8.79 | 10.51 | 10.43 | 10.22 | 11.67 | 11.60 | 11.23 | 12.66 | 12.07 | 11.70 | 11.23 |
| Tax | 350.00 | 319.00 | 314.00 | 326.00 | 358.00 | 357.00 | 300.00 | 353.00 | 336.00 | 308.00 | 305.00 | 278.00 | 252.00 | 218.00 |
| Yoy Profit Growth % | -10.00 | -11.00 | 12.00 | -9.00 | 10.00 | 17.00 | 2.00 | 23.00 | 36.00 | 39.00 | 62.00 | 56.00 | 51.00 | 78.00 |
| Adj PAT | 1,023 | 951.00 | 1,120 | 951.00 | 1,115 | 1,047 | 996.00 | 1,067 | 1,007 | 894.00 | 964.00 | 856.00 | 745.00 | 645.00 |
| Adj PAT Margin | 14.18 | 13.30 | 15.76 | 6.55 | 7.96 | 7.78 | 7.86 | 8.77 | 8.69 | 8.36 | 9.62 | 9.11 | 8.75 | 8.39 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 28,106 | 47,130 | 35,624 | 28,764 | 28,628 | 27,180 | 23,270 | 19,830 | 17,566 | 15,652 | 14,976 | 14,012 |
| Interest | 17,631 | 14,495 | 9,975 | 7,959 | 8,435 | 8,678 | 7,316 | 6,226 | 5,653 | 5,259 | 5,056 | 4,728 |
| Expenses - | 8,811 | 6,792 | 5,828 | 5,758 | 5,527 | 4,608 | 3,572 | 3,331 | 2,749 | 2,529 | 1,701 | 1,664 |
| Financing Profit | 1,664 | 2,278 | 2,009 | 664.00 | 352.00 | 304.00 | 747.00 | 358.00 | 382.00 | 38.00 | 731.00 | 614.00 |
| Financing Margin % | 5.92 | 4.83 | 5.64 | 2.31 | 1.23 | 1.12 | 3.21 | 1.81 | 2.17 | 0.24 | 4.88 | 4.38 |
| Other Income - | 3,924 | 3,208 | 2,435 | 2,116 | 1,970 | 1,877 | 1,317 | 1,161 | 1,084 | 809.00 | 879.00 | 684.00 |
| Exceptional Items | - | 8.00 | 1.00 | 5.00 | 2.00 | 5.00 | 18.00 | - | - | - | - | 1.00 |
| Depreciation | - | 234.00 | 182.00 | 139.00 | 115.00 | 126.00 | 122.00 | 125.00 | 124.00 | 108.00 | 79.00 | 98.00 |
| Profit Before Tax | 5,588 | 5,261 | 4,263 | 2,646 | 2,209 | 2,060 | 1,960 | 1,393 | 1,342 | 739.00 | 1,530 | 1,202 |
| Tax % | 24.23 | 24.65 | 24.70 | 24.57 | 23.95 | 22.82 | 32.76 | 32.88 | 35.39 | 34.24 | 30.85 | 29.28 |
| Net Profit - | 4,234 | 3,964 | 3,210 | 1,996 | 1,680 | 1,590 | 1,318 | 935.00 | 867.00 | 486.00 | 1,058 | 850.00 |
| Profit From Associates | 33.00 | 37.00 | 34.00 | 31.00 | 32.00 | 38.00 | 36.00 | 26.00 | 14.00 | -1.00 | 46.00 | 21.00 |
| Minority Share | -75.00 | -84.00 | -45.00 | -27.00 | -15.00 | -10.00 | -2.00 | - | - | - | - | - |
| Exceptional Items At | - | 6.00 | 1.00 | 4.00 | 1.00 | 4.00 | 12.00 | - | - | - | - | 1.00 |
| Profit Excl Exceptional | 4,234 | 3,958 | 3,209 | 1,993 | 1,678 | 1,587 | 1,306 | 936.00 | 867.00 | 487.00 | 1,058 | 849.00 |
| Profit For PE | 4,159 | 3,874 | 3,164 | 1,966 | 1,663 | 1,577 | 1,305 | 936.00 | 867.00 | 487.00 | 1,058 | 849.00 |
| Profit For EPS | 4,159 | 3,880 | 3,165 | 1,970 | 1,664 | 1,580 | 1,316 | 935.00 | 867.00 | 486.00 | 1,058 | 850.00 |
| EPS In Rs | 16.93 | 15.93 | 14.95 | 9.37 | 8.34 | 7.93 | 6.63 | 4.74 | 5.03 | 2.83 | 6.17 | 4.97 |
| Dividend Payout % | 7.00 | 8.00 | 7.00 | 19.00 | 8.00 | - | 21.00 | 21.00 | 18.00 | 25.00 | 18.00 | 20.00 |
| PAT Margin % | 15.06 | 8.41 | 9.01 | 6.94 | 5.87 | 5.85 | 5.66 | 4.72 | 4.94 | 3.11 | 7.06 | 6.07 |
| PBT Margin | 19.88 | 11.16 | 11.97 | 9.20 | 7.72 | 7.58 | 8.42 | 7.02 | 7.64 | 4.72 | 10.22 | 8.58 |
| Tax | 1,354 | 1,297 | 1,053 | 650.00 | 529.00 | 470.00 | 642.00 | 458.00 | 475.00 | 253.00 | 472.00 | 352.00 |
| Adj PAT | 4,234 | 3,970 | 3,211 | 2,000 | 1,682 | 1,594 | 1,330 | 935.00 | 867.00 | 486.00 | 1,058 | 850.71 |
| Adj PAT Margin | 15.06 | 8.42 | 9.01 | 6.95 | 5.87 | 5.86 | 5.72 | 4.72 | 4.94 | 3.11 | 7.06 | 6.07 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 1,515 | - | 1,322 | 1,191 | 1,076 | 986.23 | 962.58 | 886.82 |
| Average Total Assets | - | 338,996 | 292,922 | - | 247,122 | 215,604 | 194,160 | 171,952 | 149,883 | 127,350 |
| Average Total Equity | - | 33,189 | 26,700 | - | 21,018 | 18,141 | 15,862 | 14,291 | 12,926 | 10,613 |
| Borrowing | 26,930 | 32,596 | 25,160 | - | 25,862 | 19,587 | 12,271 | 12,528 | 8,706 | 12,329 |
| Cwip | - | - | 67.00 | - | 81.00 | 29.00 | 13.00 | 28.00 | 18.00 | 10.00 |
| Cash Equivalents | 15,373 | 20,361 | 10,541 | - | 11,520 | 14,336 | 5,980 | 4,801 | 5,719 | 4,396 |
| Deposits | 288,862 | 283,484 | 252,455 | - | 212,988 | 181,678 | 172,186 | 152,252 | 134,879 | 111,970 |
| Fixed Assets | 1,508 | 1,528 | 996.00 | - | 890.00 | 643.00 | 504.00 | 477.00 | 462.00 | 452.00 |
| Gross Block | - | - | 2,511 | - | 2,212 | 1,835 | 1,581 | 1,463 | 1,424 | 1,339 |
| Investments | 70,296 | 66,058 | 61,043 | - | 48,702 | 39,065 | 36,732 | 35,715 | 31,676 | 30,595 |
| Loans N Advances | 254,868 | 244,995 | 1,443 | - | 1,351 | 1,184 | 1,128 | 1,073 | 968.00 | 758.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 12,528 | 8,706 | 12,329 |
| Net Debt | -85,669 | -86,419 | 206,031 | - | 178,628 | 147,864 | 141,745 | 124,264 | 106,190 | 89,308 |
| Non Controlling Interest | 984.00 | 915.00 | 820.00 | - | 352.00 | 305.00 | 217.00 | 181.00 | 80.00 | - |
| Other Asset Items | 25,522 | 27,210 | 243,749 | - | 205,459 | 170,983 | 160,610 | 141,259 | 121,710 | 103,003 |
| Other Borrowings | - | - | 277,615 | - | 238,850 | 201,265 | 184,457 | 152,252 | 134,879 | 111,970 |
| Other Liability Items | 14,524 | 8,619 | 8,645 | - | 6,054 | 4,798 | 3,291 | 3,390 | 2,982 | 2,302 |
| Reserves | 35,774 | 34,047 | 29,618 | - | 21,699 | 18,835 | 16,105 | 14,424 | 13,101 | 11,880 |
| Share Capital | 492.00 | 491.00 | 487.00 | 470.00 | 423.00 | 421.00 | 399.00 | 399.00 | 397.00 | 394.00 |
| Total Assets | 367,566 | 360,152 | 317,839 | - | 268,004 | 226,241 | 204,967 | 183,353 | 160,552 | 139,214 |
| Total Borrowings | - | - | 277,615 | - | 238,850 | 201,265 | 184,457 | 164,780 | 143,585 | 124,299 |
| Total Equity | 37,250 | 35,453 | 30,925 | 470.00 | 22,474 | 19,561 | 16,721 | 15,004 | 13,578 | 12,274 |
| Total Equity And Liabilities | 367,566 | 360,152 | 317,839 | - | 268,004 | 226,241 | 204,967 | 183,353 | 160,552 | 139,214 |
| Total Liabilities | 330,316 | 324,699 | 286,914 | -470.00 | 245,530 | 206,680 | 188,246 | 168,349 | 146,974 | 126,940 |
| Trade Payables | - | - | 654.00 | - | 625.00 | 618.00 | 498.00 | 180.00 | 407.00 | 338.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 7,401 | 3,871 | 6,038 | 8,193 | -208.00 | 3,661 | -3,637 | 8,371 |
| Cash From Investing Activity | -3,794 | -8,912 | -9,860 | 901.00 | -3,913 | -4,688 | -3,378 | -1,579 |
| Cash From Operating Activity | 8,801 | 6,431 | 489.00 | -7,774 | 11,179 | 3,731 | 7,873 | -5,051 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | -65.00 | -12.00 | - |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -27,812 | -36,617 | -32,661 | -15,099 | -12,209 | -14,326 | -19,159 | -19,679 |
| Cash Paid For Purchase Of Fixed Assets | -755.00 | -328.00 | -484.00 | -296.00 | -130.00 | -154.00 | -144.00 | -96.00 |
| Cash Paid For Purchase Of Investments | -3,121 | -8,691 | -9,363 | - | -3,789 | -4,482 | -3,246 | -1,485 |
| Cash Paid For Redemption And Cancellation Of Shares | - | 99.00 | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | - | - | - | - | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | -300.00 | -902.00 | - | - | -257.00 | - | -3,621 | - |
| Cash Receipts From Deposits | 283,484 | 252,455 | 212,988 | 181,678 | 172,186 | 152,252 | 134,879 | 111,970 |
| Cash Received From Borrowings | 7,736 | 200.00 | 6,275 | 7,317 | - | 3,821 | - | - |
| Cash Received From Issue Of Shares | 168.00 | 64.00 | 3.00 | 927.00 | 14.00 | 84.00 | 159.00 | 2,599 |
| Cash Received From Sale Of Fixed Assets | 4.00 | 11.00 | 3.00 | 7.00 | 4.00 | 9.00 | 22.00 | 1.00 |
| Cash Received From Sale Of Investments | 78.00 | 99.00 | - | 1,196 | - | - | - | - |
| Change In Other Working Capital Items | 434.00 | -841.00 | -2,403 | -5,613 | -129.00 | -2,047 | 1,867 | -1,506 |
| Change In Working Capital | 3,651 | 2,008 | -3,754 | -11,220 | 7,597 | 1,000 | 5,617 | -6,876 |
| Direct Taxes Paid | -1,341 | -1,323 | -1,212 | -893.00 | -629.00 | -701.00 | -717.00 | -702.00 |
| Dividends Paid | -294.00 | -235.00 | -379.00 | -140.00 | - | -335.00 | -239.00 | -211.00 |
| Net Cash Flow | 12,408 | 1,390 | -3,332 | 1,320 | 7,058 | 2,704 | 858.00 | 1,741 |
| Operating Deposits | 31,029 | 39,467 | 31,311 | 9,491 | 19,934 | 17,373 | 22,909 | 14,308 |
| Other Cash Financing Items Paid | 90.00 | 4,744 | 139.00 | 89.00 | 36.00 | 91.00 | 64.00 | 5,982 |
| Other Cash Investing Items Paid | - | -4.00 | -16.00 | -6.00 | 2.00 | 4.00 | 2.00 | - |
| Profit From Operations | 6,491 | 5,746 | 5,455 | 4,340 | 4,211 | 3,431 | 2,973 | 2,527 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Federalbnk | 2025-09-30 | - | 25.54 | 49.71 | 24.74 | 0.00 |
| Federalbnk | 2025-06-30 | - | 26.86 | 48.17 | 24.96 | 0.00 |
| Federalbnk | 2025-03-31 | - | 26.28 | 49.07 | 24.66 | 0.00 |
| Federalbnk | 2024-12-31 | - | 26.32 | 48.90 | 24.77 | 0.00 |
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