ScoreWhy is IDFC First Bank Ltd. ?
1
Strong Long Term Fundamental Strength with a 25.09% CAGR growth in Net Profits
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 27.03% and Net profit at 25.09%
3
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 14,394.54 Cr
- NII(Q) Highest at Rs 5,112.56 cr
- INTEREST EARNED(Q) Highest at Rs 9,936.89 cr
4
With ROA of 0.4, it has a Expensive valuation with a 1.5 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.81%, its profits have fallen by -37.2%
5
Market Beating Performance
- The stock has generated a return of 20.81% in the last 1 year, much higher than market (BSE500) returns of 2.31%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to IDFC First Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is IDFC First Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
IDFC First Bank
10.3%
0.72
29.09%
Sensex
-4.95%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
25.50%
Net Profit Growth (5y)
29.33%
Advance to Deposit
100.25%
Capital Adequacy Ratio (Tier 1)
13.87%
Gross NPA (latest)
1.61%
Gross NPA (avg)
2.31%
Coverage Ratio (avg)
67.50%
Cost to Income (avg)
73.00%
Net Interest Margin (avg)
6.68%
Operating Profit to Assets (avg)
8.58%
ROA (avg)
0.81%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
42
Price to Book Value
1.43
PEG Ratio
NA
Dividend Yield
0.22%
ROE (Latest)
3.48%
ROA (Latest)
0.41%
Net NPA to Book Value
2.86
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at Rs 5,677.19 cr
PAT(Latest six months)
At Rs 821.48 cr has Grown at 27.66%
INTEREST EARNED(Q)
Highest at Rs 10,552.77 cr
GROSS NPA(Q)
Lowest at 1.61%
CREDIT DEPOSIT RATIO(HY)
Highest at 95.22%
PBT LESS OI(Q)
Highest at Rs -1,440.74 cr.
NET NPA(Q)
Lowest at 0.48%
-8What is not working for the Company
PAT(Q)
At Rs 318.94 cr has Fallen at -21.3% (vs previous 4Q average
PBDIT(Q)
Lowest at Rs -571.50 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at -5.42%
NON-OPERATING INCOME(Q)
is 861.09 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.37
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Net Interest Income (Quarterly)
Highest at Rs 5,677.19 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 10,552.77 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.61%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -1,440.74 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.48%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 95.22%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for IDFC First Bank
Profit After Tax (PAT) - Quarterly
At Rs 318.94 cr has Fallen at -21.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 405.38 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -571.50 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at -5.42%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 861.09 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.37
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
