Right Stock
Colour-codes for the 10 Year X-Ray Pro and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
To know more, click here
Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
To know more, click here
Right Time
Buy/Sell stocks at the right time based on fundamentals.
Buy - Stock is below MRP & it is a good time to Buy.
Sell - Stock is above MRP & it is a good time to Sell.
WAIT - Stock is in a 'hold' zone - no action is to be taken on it.
Best Practice Tip: You can plan your investments in fundamentally strong stocks in tranches. For details, refer to the Buy/Sell Plan.
To know more, click here
X

The Federal Bank Ltd.

Mid Cap

Evaluated by 1581 users |

BSE

: 500469 |

NSE

: FEDERALBNK |

Bank - Private

Filter
Decision Maker
Consolidated basis
The valuation guidance of this company is based on Consolidated basis.
1. Right Stock
2. Right Price
This is a premium feature. To find out the MRP/DP of Federal Bank, Subscribe now
3. Right Timing
This is a premium feature. To find out the Timing Signal of Federal Bank, Subscribe now
MoneyWorks4me Assessment for this stock has been saved successfully to your Watchlist..
To Set the Buy Price Alert for this company in your Watchlist, Click here
To View the Decision-Maker again for this company, click here

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
10 Year X-Ray
MoneyWorks4me Colour Coding
 Mar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Net Interest Income (Rs. Cr.)5026007328691,3161,4111,7481,9752,0372,278
Y-o-Y Gr. Rt.-19.4%22.1%18.6%51.5%7.2%23.8%13%3.2%11.8%
Total Income1,4031,6532,1042,9103,8314,2064,5706,1146,9117,691
Y-o-Y Gr. Rt.-17.9%27.3%38.3%31.6%9.8%8.7%33.8%13%11.3%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
2.14.025.224.215.525.146.518.819.979.93
Y-o-Y Gr. Rt.-91.4%29.9%-19.4%31.1%-6.9%26.7%35.3%13.2%-0.4%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
16.6922.1926.6945.7550.154.0758.665.3373.1880.15
Y-o-Y Gr. Rt.-33%20.3%71.4%9.5%7.9%8.4%11.5%12%9.5%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.561.21.281.271.41.132.72.551.291.14
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)2.210.950.440.230.30.480.60.530.980.74
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income18.3%11.6%9.2%11.8%
Total Income20.8%15%18.9%11.3%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
18.8%12.5%15.1%-0.4%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
19.1%9.9%11%9.5%
 
RATIOS \ YEARSMar'05Mar'06Mar'07Mar'08Mar'09Mar'10Mar'11Mar'12Mar'13Mar'14
Interest Earned / Total Income84.8986.8886.3786.4386.5387.3488.6691.390.3891.09
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)3.113.023.022.743.473.313.493.372.963.16
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)13.2722.9721.3713.5712.2110.4812.2114.5614.3512.64
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 24.5225.0225.2325.124.526.1926.8727.5427.1731.25
What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
64.31%
33.49%
2.20%

Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)

Federal Bank has recorded a growth from Rs.1490 Crores in FY04 to Rs.6832 Crores in FY13 in Total Income, over the last 10 years. But, in the recent years i.e. FY10 & FY11 the growth has slowed down considerably.

During the same period, the net Interest income of the bank has increased from Rs.422 Cr in FY04 to Rs.1975 Cr in FY13. This growth has also resulted into good EPS and BVPS growth in the last 10 years. EPS gr ... Read more

Federal Bank has recorded a growth from Rs.1490 Crores in FY04 to Rs.6832 Crores in FY13 in Total Income, over the last 10 years. But, in the recent years i.e. FY10 & FY11 the growth has slowed down considerably.

During the same period, the net Interest income of the bank has increased from Rs.422 Cr in FY04 to Rs.1975 Cr in FY13. This growth has also resulted into good EPS and BVPS growth in the last 10 years. EPS grew by 13.14% from Rs.15.94 to Rs.49 and BVPS by 19% from Rs.74.99 to Rs.364.74. BVPS growth has been at a moderate level of 8-10% from the past 3 years. The bank has managed to maintain its average NIM at an impressive 3.33% on the back of growing interest income. Is CASA is at average level of CASA at 27.54%.

The six-year-average ROA stands at 1.35%. However, ROA is showing a declining trend from FY10. During the same time, though the NPA level has been lower but it is showing an increasing trend. This shows that the asset quality of the bank is declining.

Federal Bank had a high Capital Adequacy ratio at 14.73% as against the RBI guideline of 9%. This can be useful for the bank in further expansion.

Considering above factors, we conclude that the 10 YEAR X-RAY of Federal bank has beenOrange (‘Somewhat Good’).

Show less
MoneyWorks4me
Assessment
Community
Assessment
Select Your Assessment of 10 Year X-Ray
Your assessment has been saved successfully.
OR
By registering, you agree to our Terms of Use
How do you find the content? Rate it now
YOUR RATING
1
2
3
4
5
 
Poor
 
Average
 
Good
 
Very Good
 
Excellent
Excellent
Avg. user rating based on 3 votes
4.3
X
Return to Top
Request a Call Back
We will guide you on how to find
the Right stocks at the Right prices.
Mobile
Invalid Mobile Number
x
Thank you for
contacting us.
We will call you
shortly.