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BSE: 500469 | NSE: FEDERALBNK | Bank - Private | Mid Cap
1. Is The Federal Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that The Federal Bank Ltd is a average quality company.
2. Is The Federal Bank Ltd undervalued or overvalued?
The key valuation ratios of The Federal Bank Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is The Federal Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of The Federal Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 2,278 | 2,431 | 2,567 | 3,131 | 3,688 | 4,319 | 4,912 | 5,879 | 6,422 | 7,837 | 8,192 | |
| YoY Gr. Rt. % | - | 6.7% | 5.6% | 22% | 17.8% | 17.1% | 13.7% | 19.7% | 9.2% | 22% | - | |
| Total Income | 7,691 | 8,366 | 8,635 | 9,867 | 11,075 | 12,971 | 15,472 | 16,286 | 16,502 | 20,248 | 22,021 | |
| YoY Gr. Rt. % | - | 8.8% | 3.2% | 14.3% | 12.2% | 17.1% | 19.3% | 5.3% | 1.3% | 22.7% | - | |
| Adj EPS (₹ ) | 5 | 6.2 | 2.8 | 5 | 4.7 | 6.6 | 7.9 | 8.3 | 9.4 | 15 | 14.5 | |
| YoY Gr. Rt. % | - | 24.1% | -54.1% | 77.7% | -5.8% | 38.6% | 20.2% | 5.6% | 12.2% | 59.7% | - | |
| BVPS (₹ ) | 40.1 | 44.9 | 46.9 | 51.9 | 62.2 | 68 | 74.4 | 82.7 | 91.6 | 104.5 | 110.8 | |
| YoY Gr. Rt. % | - | 12.1% | 4.4% | 10.7% | 19.9% | 9.3% | 9.4% | 11.2% | 10.8% | 14.2% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.1 | 1.3 | 0.6 | 0.8 | 0.7 | 0.9 | 0.9 | 0.9 | 0.9 | 1.3 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0.7 | 0.7 | 1.6 | 1.3 | 1.7 | 1.5 | 1.3 | 1.2 | 1 | 0.7 | 0.7 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 14.7% | 16.3% | 16.9% | 22% | ||||||||
| Total Income | 11.4% | 12.8% | 9.4% | 22.7% | ||||||||
| Adj EPS | 13% | 25.8% | 23.7% | 59.7% | ||||||||
| BVPS | 11.2% | 10.9% | 12% | 14.2% | ||||||||
| Share Price | 16.9% | 14.7% | 44% | 18.7% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
| Interest Earned / Total Income | 91.09 | 89.5 | 90.64 | 89.02 | 89.52 | 89.71 | 87.84 | 87.89 | 87.15 | 87.97 | 87.7 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 3.2 | 3.2 | 2.9 | 2.9 | 2.8 | 2.8 | 2.8 | 3.1 | 3.1 | 3.2 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 12.6 | 13.9 | 6.2 | 10 | 8.6 | 10 | 11 | 10.5 | 11 | 15.4 | 13.1 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 31.3 | 30.8 | 32.9 | 32.8 | 33.6 | 32.4 | 30.7 | 34.1 | 37.1 | 32.7 | - | |
Return on Equity has increased versus last 3 years average to 13.50%
Total Income has increased 9.38 CAGR in last 3 years
Net Profit has increased 23.69 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 13.9 | 14.5 |
| TTM Sales (₹ Cr.) | 18,199 | 19,318 |
| BVPS (₹.) ⓘ | 108 | 110.8 |
| Reserves (₹ Cr.) ⓘ | 24,923 | 25,576 |
| P/BV ⓘ | 1.35 | 1.32 |
| PE ⓘ | 10.50 | 10.05 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 109.50 / 150.00 |
| All Time Low / High (₹) | 0.70 / 150.00 |
| Market Cap (₹ Cr.) | 34,253 |
| Equity (₹ Cr.) | 470.2 |
| Face Value (₹) | 2 |
| Industry PE ⓘ | 21.9 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
The history of Federal Bank dates back to the pre-independence era. The Bank was incorporated on April 23, 1931 as the Travancore Federal Bank Limited, Nedumpuram under the Travancore Companies Regulation, 1916. Late K.P. Hormis, the visionary banker and founder took up the reigns in 1945 and built the bank a nationwide institution. The Bank's name was changed to The Federal Bank Limited on December 2, 1949. The Bank was licensed under the Banking Regulation Act, 1949, on July 11, 1959 and became a scheduled commercial bank under the Second Schedule of Reserve Bank of India Act, 1934 on July 20, 1970. Today the bank is present in different States, Delhi NCT and Union Territories and the bank is listed in BSE, NSE and London Stock Exchange.
Federal Bank is a major Indian commercial bank in the private sector headquartered at Aluva, Kerala having many branches and ATMs spread across different States in India. The Bank is a pioneer among traditional banks in India in the area of using technology to leverage its operations and was among the first banks in India to computerize all its branches.
Business area of the bank
The Bank offer its customers, a variety of services such as Internet banking, Mobile banking, on-line bill payment, online fee collection, depository services, Cash Management Services, merchant banking services, insurance, mutual fund products and many more as part of its strategy to position itself as a financial super market and to enhance customer convenience.
Products & Services
Personal Banking - The bank provides a wide range of banking products and services such as saving accounts, deposits, personal loans, ATM services, tele-banking services, RTGS, insurance, etc.
NRI Banking - The bank offers a wide range of NRI services through all its branches. Non-Resident Indians (NRI) can open Non-Resident External (NRE), Non- Resident Ordinary (NRO) accounts in Indian Rupee. You can also have Foreign Currency Non- Resident (FCNR) accounts in six foreign currencies approved by Reserve Bank of India (US Dollar, British Pound, Euro, Japanese Yen, Canadian Dollar and Australian Dollar). Returning NRIs can open Resident Foreign Currency (RFC) account with any of their branches.
SME-Business Banking - The bank offers a parameterized loan and various current account products tailor-made for each sector under SME. Competitive pricing, relaxation in collateral security, collateral free loans with CGTMSE cover, customization in various current account products, cash management services, internet bill payment facility etc are some of the features of their products which makes them a real friend of entrepreneurs.
Corporate Banking - The bank offers customized structured products to meet the specialized requirements of corporates, institutions and business clients. Each member of their Corporate Finance team brings with him a wealth of transaction experience across transaction varieties and sectors to cater to you better. The bank has emerged as one of the leading private sector banks in the country, in providing a gamut of products for industry, trade and infrastructure sectors. The bank serves a wide range of customers across varying industries, segments and regions.
Awards and accolades
Milestones
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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