Idfc First Bank Ltd
IDFCFIRSTB
Banks
₹ 72.04
Price
₹ 52,879
Market Cap
Large Cap
40.64
P/E Ratio
📊 Score Snapshot
2.93 / 25
Performance
25 / 25
Valuation
4.2 / 20
Growth
7.0 / 30
Profitability
39.13 / 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 | 10.58 | 11.52 | 1.03 | -1.92 | 19.44 | 12.17 | 29.75 | -18.55 |
| Adj Cash PAT | 7,730 | 8,149 | 682.75 | -1,208 | 11,048 | 5,854 | 14,224 | -6,329 |
| Adj Cash PAT To PAT | 5.16 | 2.76 | 0.27 | -9.42 | 22.19 | -2.06 | -7.45 | -7.20 |
| Adj Cash PE | 5.41 | 7.01 | 53.48 | - | 2.94 | 1.61 | 1.82 | - |
| Adj EPS | 2.05 | 4.17 | 3.75 | 0.20 | 0.88 | -5.91 | -3.99 | 2.58 |
| Adj Number Of Shares | 730.39 | 707.21 | 662.67 | 628.57 | 568.24 | 481.05 | 478.20 | 341.09 |
| Adj PE | 28.01 | 19.39 | 14.67 | 198.23 | 66.99 | - | - | 19.34 |
| Adj Peg | - | 1.73 | 0.01 | - | - | - | - | - |
| Bvps | 52.24 | 45.64 | 39.00 | 33.54 | 31.50 | 32.02 | 38.06 | 44.78 |
| Cash Revenue | 36,502 | 60,650 | 45,456 | 34,346 | 31,936 | 32,480 | 24,408 | 18,196 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | - | - | - | - | - | - | - | 1.50 |
| Fcfe | -4,272 | 1,340 | 4,187 | 5,872 | -769.11 | -6,832 | 4,862 | -6,332 |
| Fcfe Margin | -11.70 | 2.21 | 9.21 | 17.10 | -2.41 | -21.03 | 19.92 | -34.80 |
| Fcfe To Adj PAT | -2.85 | 0.45 | 1.68 | 45.79 | -1.54 | 2.40 | -2.55 | -7.20 |
| Market Cap | 41,756 | 57,058 | 36,460 | 26,211 | 32,418 | 9,453 | 25,895 | 17,020 |
| PB | 1.09 | 1.77 | 1.41 | 1.24 | 1.81 | 0.61 | 1.42 | 1.11 |
| PE | 28.02 | 19.39 | 14.67 | 198.57 | 67.12 | - | - | 19.34 |
| Peg | - | 1.77 | 0.01 | - | - | - | - | - |
| PS | 1.14 | 0.94 | 0.80 | 0.76 | 1.02 | 0.29 | 1.06 | 0.94 |
| ROE | 4.26 | 10.15 | 10.59 | 0.66 | 2.99 | -16.92 | -11.40 | 5.87 |
| Share Price | 57.17 | 80.68 | 55.02 | 41.70 | 57.05 | 19.65 | 54.15 | 49.90 |
📊 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 | 9,937 | 9,642 | 9,413 | 18,686 | 17,914 | 17,578 | 16,440 | 15,760 | 14,712 | 13,738 | 12,848 | 11,824 | 10,940 | 9,844 |
| Interest | 4,824 | 4,709 | 4,505 | 4,440 | 4,169 | 4,093 | 3,750 | 3,592 | 3,406 | 3,122 | 2,827 | 2,626 | 2,467 | 2,170 |
| Expenses - | 6,581 | 6,589 | 6,459 | 6,260 | 6,270 | 5,417 | 5,164 | 4,874 | 4,377 | 4,114 | 3,901 | 3,612 | 3,304 | 2,957 |
| Financing Profit | -1,468 | -1,656 | -1,551 | -1,358 | -1,482 | -721.00 | -694.00 | -587.00 | -427.00 | -367.00 | -303.00 | -326.00 | -301.00 | -205.00 |
| Financing Margin % | -14.77 | -17.17 | -16.48 | -7.27 | -8.27 | -4.10 | -4.22 | -3.72 | -2.90 | -2.67 | -2.36 | -2.76 | -2.75 | -2.08 |
| Other Income - | 1,891 | 2,227 | 1,895 | 1,780 | 1,727 | 1,574 | 1,642 | 1,517 | 1,410 | 1,364 | 1,398 | 1,152 | 1,061 | 856.00 |
| Profit Before Tax | 424.00 | 571.00 | 344.00 | 422.00 | 245.00 | 853.00 | 948.00 | 930.00 | 983.00 | 996.00 | 1,094 | 827.00 | 760.00 | 650.00 |
| Tax % | 17.92 | 20.67 | 13.95 | 19.43 | 13.47 | 24.62 | 22.78 | 21.29 | 24.01 | 26.51 | 25.41 | 25.39 | 25.39 | 25.38 |
| Net Profit - | 348.00 | 453.00 | 296.00 | 340.00 | 212.00 | 643.00 | 732.00 | 732.00 | 747.00 | 732.00 | 816.00 | 617.00 | 567.00 | 485.00 |
| Profit Excl Exceptional | 348.00 | 453.00 | 296.00 | 340.00 | 212.00 | 643.00 | 732.00 | 732.00 | 747.00 | 732.00 | 816.00 | 617.00 | 567.00 | 485.00 |
| Profit For PE | 348.00 | 453.00 | 296.00 | 340.00 | 212.00 | 643.00 | 732.00 | 732.00 | 747.00 | 732.00 | 816.00 | 617.00 | 567.00 | 485.00 |
| Profit For EPS | 348.00 | 453.00 | 296.00 | 340.00 | 212.00 | 643.00 | 732.00 | 732.00 | 747.00 | 732.00 | 816.00 | 617.00 | 567.00 | 485.00 |
| EPS In Rs | 0.47 | 0.62 | 0.40 | 0.46 | 0.28 | 0.91 | 1.04 | 1.04 | 1.11 | 1.10 | 1.23 | 0.99 | 0.91 | 0.78 |
| PAT Margin % | 3.50 | 4.70 | 3.14 | 1.82 | 1.18 | 3.66 | 4.45 | 4.64 | 5.08 | 5.33 | 6.35 | 5.22 | 5.18 | 4.93 |
| PBT Margin | 4.27 | 5.92 | 3.65 | 2.26 | 1.37 | 4.85 | 5.77 | 5.90 | 6.68 | 7.25 | 8.51 | 6.99 | 6.95 | 6.60 |
| Tax | 76.00 | 118.00 | 48.00 | 82.00 | 33.00 | 210.00 | 216.00 | 198.00 | 236.00 | 264.00 | 278.00 | 210.00 | 193.00 | 165.00 |
| Yoy Profit Growth % | 64.00 | -29.00 | -60.00 | -54.00 | -72.00 | -12.00 | -10.00 | 19.00 | 32.00 | 51.00 | 132.00 | 112.00 | 411.00 | 178.00 |
| Adj PAT | 348.00 | 453.00 | 296.00 | 340.00 | 212.00 | 643.00 | 732.00 | 732.00 | 747.00 | 732.00 | 816.00 | 617.00 | 567.00 | 485.00 |
| Adj PAT Margin | 3.50 | 4.70 | 3.14 | 1.82 | 1.18 | 3.66 | 4.45 | 4.64 | 5.08 | 5.33 | 6.35 | 5.22 | 5.18 | 4.93 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 36,502 | 60,650 | 45,456 | 34,346 | 31,936 | 32,480 | 24,408 | 18,196 | 17,156 |
| Interest | 17,208 | 13,870 | 10,091 | 7,465 | 8,585 | 10,228 | 8,743 | 7,126 | 6,515 |
| Expenses - | 23,571 | 17,899 | 13,338 | 12,323 | 8,733 | 9,760 | 4,702 | 1,789 | 1,432 |
| Financing Profit | -4,277 | -1,444 | -701.00 | -2,615 | -1,350 | -3,748 | -1,241 | 184.00 | 631.00 |
| Financing Margin % | -11.72 | -2.38 | -1.54 | -7.61 | -4.23 | -11.54 | -5.08 | 1.01 | 3.68 |
| Other Income - | 6,966 | 5,923 | 4,467 | 3,178 | 2,196 | 1,722 | 825.00 | 1,121 | 1,024 |
| Exceptional Items | 11.00 | 9.00 | 1.00 | -5.00 | 16.00 | - | -1.00 | -1.00 | -5.00 |
| Depreciation | 836.00 | 631.00 | 435.00 | 382.00 | 343.00 | 320.00 | 2,820 | 168.00 | 136.00 |
| Profit Before Tax | 1,864 | 3,857 | 3,331 | 175.00 | 519.00 | -2,346 | -3,237 | 1,135 | 1,514 |
| Tax % | 20.06 | 23.72 | 25.40 | 24.57 | 6.94 | -21.18 | 41.06 | 22.47 | 32.69 |
| Net Profit - | 1,490 | 2,942 | 2,485 | 132.00 | 483.00 | -2,843 | -1,908 | 880.00 | 1,019 |
| Profit From Associates | - | - | - | - | - | - | - | -76.00 | -44.00 |
| Exceptional Items At | 8.00 | 7.00 | 1.00 | -4.00 | 15.00 | - | -1.00 | -1.00 | -4.00 |
| Profit Excl Exceptional | 1,482 | 2,936 | 2,484 | 136.00 | 469.00 | -2,843 | -1,907 | 881.00 | 1,022 |
| Profit For PE | 1,482 | 2,936 | 2,484 | 136.00 | 469.00 | -2,843 | -1,907 | 881.00 | 1,022 |
| Profit For EPS | 1,490 | 2,942 | 2,485 | 132.00 | 483.00 | -2,843 | -1,908 | 880.00 | 1,019 |
| EPS In Rs | 2.04 | 4.16 | 3.75 | 0.21 | 0.85 | -5.91 | -3.99 | 2.58 | 3.00 |
| Dividend Payout % | - | - | - | - | - | - | - | 29.00 | 25.00 |
| PAT Margin % | 4.08 | 4.85 | 5.47 | 0.38 | 1.51 | -8.75 | -7.82 | 4.84 | 5.94 |
| PBT Margin | 5.11 | 6.36 | 7.33 | 0.51 | 1.63 | -7.22 | -13.26 | 6.24 | 8.82 |
| Tax | 374.00 | 915.00 | 846.00 | 43.00 | 36.00 | 497.00 | -1,329 | 255.00 | 495.00 |
| Adj PAT | 1,499 | 2,949 | 2,486 | 128.23 | 497.89 | -2,843 | -1,909 | 879.22 | 1,016 |
| Adj PAT Margin | 4.11 | 4.86 | 5.47 | 0.37 | 1.56 | -8.75 | -7.82 | 4.83 | 5.92 |
🏦 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 | - | 3,287 | 2,571 | - | 2,044 | 4,252 | 3,925 | 3,614 | 3,321 | 422.00 |
| Average Total Assets | - | 320,060 | 268,046 | - | 215,014 | 176,609 | 156,116 | 158,129 | 146,740 | 119,223 |
| Average Total Equity | - | 35,215 | 29,060 | - | 23,464 | 19,491 | 16,652 | 16,802 | 16,737 | 14,976 |
| Borrowing | 40,792 | 38,984 | 50,936 | - | 57,212 | 52,963 | 45,786 | 57,397 | 69,983 | 57,287 |
| Cwip | - | 74.00 | 95.00 | - | 219.00 | 79.00 | 65.00 | 74.00 | 34.00 | 3.00 |
| Cash Equivalents | 12,215 | 13,261 | 10,059 | - | 9,908 | 10,672 | 4,168 | 2,877 | 3,918 | 2,948 |
| Deposits | 276,737 | 252,010 | 200,570 | - | 144,470 | 105,540 | 88,536 | 65,079 | 70,354 | 48,039 |
| Fixed Assets | 2,658 | 2,802 | 2,720 | - | 2,054 | 1,448 | 1,370 | 999.00 | 940.00 | 797.00 |
| Gross Block | - | 6,089 | 5,291 | - | 4,099 | 5,700 | 5,295 | 4,613 | 4,261 | 1,219 |
| Investments | 91,569 | 80,505 | 74,500 | - | 60,913 | 45,935 | 45,182 | 45,174 | 58,245 | 60,904 |
| Loans N Advances | 257,101 | 543.00 | 576.00 | - | 440.00 | 432.00 | 533.00 | 1,064 | 916.00 | 1,009 |
| Long Term Borrowings | - | - | - | - | - | - | - | - | 69,983 | 57,287 |
| Net Debt | -103,784 | -93,766 | 166,947 | - | 130,861 | 101,895 | 84,972 | 74,425 | 78,174 | 41,475 |
| Other Asset Items | 18,791 | 246,723 | 208,260 | - | 166,347 | 131,580 | 111,753 | 98,970 | 103,046 | 60,720 |
| Other Borrowings | - | - | 251,506 | - | 201,682 | 158,502 | 134,322 | 122,476 | 70,354 | 48,039 |
| Other Liability Items | 18,463 | 13,360 | 11,415 | - | 11,158 | 9,452 | 9,934 | 10,896 | 8,430 | 5,617 |
| Reserves | 37,753 | 30,834 | 25,204 | - | 19,229 | 14,864 | 12,224 | 10,594 | 13,418 | 11,870 |
| Share Capital | 8,589 | 7,322 | 7,070 | 6,722 | 6,618 | 6,218 | 5,676 | 4,810 | 4,782 | 3,404 |
| Total Assets | 382,334 | 343,909 | 296,210 | - | 239,882 | 190,146 | 163,072 | 149,159 | 167,099 | 126,382 |
| Total Borrowings | - | - | 251,506 | - | 201,682 | 158,502 | 134,322 | 122,476 | 140,337 | 105,327 |
| Total Equity | 46,342 | 38,156 | 32,274 | 6,722 | 25,847 | 21,082 | 17,900 | 15,404 | 18,200 | 15,274 |
| Total Equity And Liabilities | 382,334 | 343,909 | 296,210 | - | 239,882 | 190,146 | 163,072 | 149,159 | 167,099 | 126,382 |
| Total Liabilities | 335,992 | 305,753 | 263,936 | -6,722 | 214,035 | 169,064 | 145,172 | 133,755 | 148,899 | 111,108 |
| Trade Payables | - | 1,399 | 1,015 | - | 1,194 | 1,109 | 916.00 | 383.00 | 132.00 | 165.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -8,673 | -2,954 | 6,509 | 10,211 | -9,598 | -12,539 | -12,220 | 6,742 |
| Cash From Investing Activity | -3,174 | -9,887 | -11,996 | -2,960 | -2,833 | -3,790 | -494.00 | -1,027 |
| Cash From Operating Activity | 14,465 | 11,543 | 3,563 | 2,679 | 14,042 | 10,966 | 17,364 | -5,978 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -43,820 | -45,216 | -36,200 | - | - | - | - | -3,073 |
| Cash Paid For Purchase Of Fixed Assets | -919.00 | -1,374 | -1,188 | -482.00 | -586.00 | -428.00 | -276.00 | -174.00 |
| Cash Paid For Purchase Of Investments | -2,592 | -8,723 | -10,816 | -2,481 | -2,284 | -3,371 | -1,093 | -857.00 |
| Cash Paid For Repayment Of Borrowings | -11,952 | -7,776 | - | - | -11,611 | -12,586 | -11,910 | - |
| Cash Receipts From Deposits | 252,010 | 200,570 | 144,470 | 105,540 | 88,536 | 65,079 | 70,354 | 48,039 |
| Cash Received From Borrowings | - | - | 2,749 | 5,677 | - | - | - | - |
| Cash Received From Issue Of Debentures | - | 1,500 | 1,500 | 1,500 | - | - | - | - |
| Cash Received From Issue Of Shares | 3,279 | 3,323 | 2,260 | 3,034 | 2,013 | 48.00 | 2.00 | 24.00 |
| Cash Received From Sale Of Fixed Assets | 33.00 | 210.00 | 8.00 | 3.00 | 37.00 | 8.00 | 4.00 | 3.00 |
| Change In Inventory | - | - | - | - | 3,033 | - | - | - |
| Change In Other Working Capital Items | -1,389 | -5,685 | -4,532 | -18,339 | -15,941 | 13,972 | -6,182 | -12,076 |
| Change In Working Capital | 6,231 | 5,200 | -1,803 | -1,336 | 10,550 | 8,697 | 16,133 | -7,208 |
| Direct Taxes Paid | -201.00 | -807.00 | -356.00 | 135.00 | 518.00 | -149.00 | 54.00 | -348.00 |
| Dividends Paid | - | - | - | - | - | - | -308.00 | -307.00 |
| Net Cash Flow | 2,618 | -1,298 | -1,924 | 9,929 | 1,610 | -5,363 | 4,649 | -263.00 |
| Operating Deposits | 51,440 | 56,101 | 38,930 | 17,003 | 23,457 | -5,275 | 22,314 | 7,942 |
| Other Cash Financing Items Paid | - | - | - | - | - | - | -5.00 | 7,025 |
| Other Cash Investing Items Paid | 304.00 | - | - | - | - | - | 871.00 | - |
| Profit From Operations | 8,436 | 7,151 | 5,722 | 3,880 | 2,974 | 2,418 | 1,177 | 1,578 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Idfcfirstb | 2025-10-31 | - | 32.14 | 21.90 | 37.73 | 0.00 |
| Idfcfirstb | 2025-09-30 | - | 24.64 | 24.33 | 41.89 | 0.00 |
| Idfcfirstb | 2025-06-30 | - | 23.80 | 23.40 | 43.64 | 0.00 |
| Idfcfirstb | 2025-03-31 | - | 25.68 | 19.30 | 45.86 | 0.00 |
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