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IDFC First Bank Ltd Stock Analysis

Large Cap
Evaluated by 4051 users | BSE: 539437 | NSE: IDFCFIRSTB |
Bank - Private

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
IDFC First Bank Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'10Mar'11Mar'12Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Net Interest Income (Rs. Cr.)0000002,0631,9733,4616,0127,3838,288
Y-o-Y Gr. Rt.-NANANANANANA-4.4%75.5%73.7%22.8%-
Total Income0000009,59710,21813,05617,96318,22219,438
Y-o-Y Gr. Rt.-NANANANANANA6.5%27.8%37.6%1.4%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
00000032.58-3.99-5.910.85-0.38
Y-o-Y Gr. Rt.-NANANANANANA-14%-254.7%NANA-
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
00000043.1844.8738.0632.0231.5432.84
Y-o-Y Gr. Rt.-NANANANANANA3.9%-15.2%-15.9%-1.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0000000.950.8-1.28-1.80.31-0.14
To view Net NPA to Net Advances (%) Colour Rating Guide click here
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 (%)0000001.141.691.30.941.86-
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
IDFC First Bank Ltd. should be analysed on a Consolidated basis
CAGR
CAGR Colour Code Guide
  10 yrs 5 yrs 3 yrs 1 yr
Net Interest IncomeNANA55.3%22.8%
Total IncomeNANA21.3%1.4%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NANA-30.9%NA
Book Value per Share
NANA-11.1%-1.5%
Share Price - -6.1% 9.9% 30.8%
Key Financial Ratios
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Interest Earned / Total Income00000089.3889.0493.4790.4187.6383.65
Margins
To view Margins Colour Rating Guide click here
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)0000001.971.672.254.464.874.8
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)0000007.246.38-11.23-16.922.9-1.16
Liquidity Ratio
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 0000005.0611.7912.8732.1651.77-
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Corporate Governance What do we look at?
Corporate Governance
Board Credentials
Promoter's holding
Transparency
Integrity
Entity Percentage Holding
Promoters 36.52%
Institutions 29.15%
Non-Institutions 34.33%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Past 10 year's financial track record analysis by Moneyworkds4me indicates that IDFC First Bank Ltd is a average quality company.

IDFC First Bank Ltd's earnings have grown by 0%, whereas share price has declined -6.1% CAGR over the past five years, indicating the company’s share price is likely undervalued. However, for specific investment actions please consult your investment advisor.

Data is not available for this company

Past 10 years financial track record analysis and assessment of future prospects by Moneyworks4me indicates that IDFC First Bank Ltd is an average long term investment. However, you need to ensure you buy at a right price to earn good returns.

IDFC First Bank Ltd. was formed with the merger between erstwhile Capital First and erstwhile IDFC Bank. It is a banking company. The Bank's segments include treasury, corporate/wholesale banking, retail banking and other banking business.

Business area of the bank

The business of the bank is divided into various segments: Treasury,

IDFC First Bank Ltd. was formed with the merger between erstwhile Capital First and erstwhile IDFC Bank. It is a banking company. The Bank's segments include treasury, corporate/wholesale banking, retail banking and other banking business.

Business area of the bank

The business of the bank is divided into various segments: Treasury, Corporate / Wholesale Banking, Retail Banking Business and Other Banking Business. These segments have been identified and reported taking into account, the target customer segment, the nature of products, internal business reporting system, transfer pricing policy approved by Asset Liability Committee (ALCO).

Treasury- the treasury segment primarily consists of Bank’s investment portfolio, money market borrowing and lending, investment operations and entire foreign exchange and derivative portfolio of the Bank. Revenue of treasury segment consist of interest income on investment portfolio, inter segment revenue, gains or losses from trading operations, trades and capital market deals. The principal expenses consists of interest expenses from external sources & on funds borrowed from inter segments, premises expenses, personnel cost, direct and allocated overheads.

Corporate / Wholesale Banking- the wholesale banking segment provides loans, non-fund facilities and transaction services to corporate relationship not included under Retail Banking, and syndication. Revenues of the wholesale banking segment consists of interest earned on loans to customers, inter segment revenue, interest / fees earned on transaction services, earnings from trade services, fees on client FX & derivative and other non-fund facilities. The principal expenses of the segment consists of interest expense on funds borrowed from internal segments, premises expenses, personnel costs, other direct overheads and allocated expenses of delivery channels, and support groups.

Retail Banking-  Retail Banking constitutes lending to individuals / business banking customers through the branch network and other delivery channels subject to the orientation, nature of product, granularity of the exposure and the quantum thereof. Revenues of the retail banking segment are derived from interest earned on retail loans, inter segment revenue and fees from services rendered, fees on client FX & derivative. Expenses of this segment primarily comprise interest expense on deposits & funds borrowed from inter segments, commission paid to retail assets sales agents, infrastructure and premises expenses for operating the branch network and other delivery channels, personnel costs, other direct overheads and allocated and support groups.

Other Banking Business- This segment includes revenue from distribution of third party products.

Products and services of the bank

Wholesale Banking

Wealth Management

Personal Banking

  • Savings Account 
  • Deposits 
  • Loans 
  • Investment 
  • Insurance 
  • Ways to Bank 
  • Payments 
  • Cards 
  • Forex

Business Banking

  • Accounts & Deposits 
  • Cash Management Services 
  • Loans 
  • Business Investment Solutions 
  • Trade Forex Services 
  • Ways to Bank 
  • Cards

Awards

  • Most Promising New Bank in India 2019 by Capital Finance International (CFI).
  • CNBC Awaaz Entrepreneur of the Year Award, 2019.
  • Prestigious Brands of India 2020 by Herald Global and BARC Asia.

Milestones

2020

  • IDFC First Bank, Bajaj Finance and Vivo have entered into partnership to waive dealer charges paid by retailers for selling devices under installment schemes.
  • IDFC FIRST Bank has opened its MBA Scholarship programme for the batch of 2020-2022, as part of its Corporate Social Responsibility (CSR).
  • DFC First Bank has launched video KYC facility so that customers can open savings accounts without the need to visit a branch office.
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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