Federal Bank Ltd. (India) (IN:FEDERALBNK)
:FEDERALBNK
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Federal Bank Ltd. (India)
(FEDERALBNK)
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Rating:69Neutral
Price Target:
â‚ą314.00
â–˛(19.35% Upside)
Action:ReiteratedDate:05/01/26
The score is driven primarily by solid financial performance (strong growth, decent ROE, improving leverage) tempered by meaningful cash-flow volatility. Technicals add support via a clear uptrend and positive MACD, while valuation is reasonable but not strongly supported by the low dividend yield.
Positive Factors
Consistent revenue & net income growth
Multi-year revenue and net income expansion indicates durable franchise growth across retail, SME and corporate segments. Persistent top-line and bottom-line gains support reinvestment, fee income scale and reserve-building, strengthening long-term earnings power and strategic optionality.
Negative Factors
Volatile operating and free cash flow
Large swings in operating and free cash flow reduce predictability of internally generated funding, complicate capital planning and may force reliance on wholesale or expensive funding in weak years. For a bank, lumpy cash undermines consistent balance sheet management and growth pacing.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue & net income growth
Multi-year revenue and net income expansion indicates durable franchise growth across retail, SME and corporate segments. Persistent top-line and bottom-line gains support reinvestment, fee income scale and reserve-building, strengthening long-term earnings power and strategic optionality.
Read all positive factors
Federal Bank Ltd. (India) (FEDERALBNK) vs. iShares MSCI India ETF (INDA)
Market Cap
â‚ą699.98B
Dividend Yield0.45%
Average Volume (3M)313.89K
Price to Earnings (P/E)14.7
Beta (1Y)1.09
Revenue Growth7.00%
EPS Growth4.02%
CountryIN
Employees14,604
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)16.06
Shares Outstanding2,463,627,200
10 Day Avg. Volume657,031
30 Day Avg. Volume313,890
Financial Highlights & Ratios
PEG Ratio3.61
Price to Book (P/B)1.59
Price to Sales (P/S)1.86
P/FCF Ratio7.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)19.89
Revenue Forecast (FY)â‚ą173.16B
Federal Bank Ltd. (India) Business Overview & Revenue Model
Company Description
The Federal Bank Limited provides a range of banking and financial services in India. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company's deposit products include sa...
How the Company Makes Money
Federal Bank primarily earns money through (1) net interest income and (2) non-interest (fee) income. Net interest income is generated by taking deposits (a funding source on which it pays interest) and deploying those funds into interest-earning ...
Federal Bank Ltd. (India) Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 328.37B | 342.72B | 318.79B | 266.25B | 202.54B | 165.02B |
| Gross Profit | 109.50B | 145.30B | 142.48B | 121.30B | 102.79B | 85.43B |
| EBITDA | 53.85B | 61.69B | 59.09B | 55.31B | 44.45B | 27.85B |
| Net Income | 39.45B | 43.45B | 41.59B | 38.80B | 31.65B | 19.70B |
Balance Sheet | ||||||
| Total Assets | 3.68T | 4.02T | 3.60T | 3.18T | 2.68T | 2.26T |
| Cash, Cash Equivalents and Short-Term Investments | 233.73B | 268.97B | 315.97B | 86.53B | 78.84B | 328.98B |
| Total Debt | 269.30B | 331.93B | 325.96B | 251.60B | 258.62B | 195.87B |
| Total Liabilities | 3.30T | 3.61T | 3.25T | 2.87T | 2.46T | 2.07T |
| Stockholders Equity | 362.66B | 400.43B | 345.38B | 301.05B | 221.22B | 192.56B |
Cash Flow | ||||||
| Free Cash Flow | -24.99B | 82.02B | -229.82B | 70.49B | 52.80M | -80.69B |
| Operating Cash Flow | -23.64B | 85.11B | -222.28B | 73.77B | 4.89B | -77.74B |
| Investing Cash Flow | -53.69B | -451.25B | -37.94B | -89.08B | -98.44B | 9.08B |
| Financing Cash Flow | -4.87B | 319.24B | 384.30B | 433.37B | 60.38B | 81.93B |
Federal Bank Ltd. (India) Technical Analysis
Positive
263.10
Price Trends
281.04
Positive
272.09
Positive
240.18
Positive
Market Momentum
3.51
Negative
61.50
Neutral
83.21
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FEDERALBNK, the sentiment is Positive. The current price of 263.1 is below the 20-day moving average (MA) of 273.93, below the 50-day MA of 281.04, and above the 200-day MA of 240.18, indicating a bullish trend. The MACD of 3.51 indicates Negative momentum. The RSI at 61.50 is Neutral, neither overbought nor oversold. The STOCH value of 83.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:FEDERALBNK.
Federal Bank Ltd. (India) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹636.92B | 5.82 | ― | 2.87% | 10.67% | 15.26% | |
69 Neutral | ₹699.98B | 14.68 | ― | 0.45% | 7.00% | 4.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹761.27B | 23.81 | ― | 0.10% | 16.04% | 25.01% | |
59 Neutral | ₹157.99B | 69.39 | ― | ― | 3.40% | 6.97% | |
58 Neutral | ₹625.41B | 15.40 | ― | ― | 0.59% | 42.80% | |
56 Neutral | ₹599.10B | 31.84 | ― | 0.29% | 11.37% | -3.10% |
* Financial Sector Average
IN:FEDERALBNK
Federal Bank Ltd. (India)
287.00
96.70
50.81%
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Federal Bank Ltd. (India) Corporate Events
Federal Bank to Acquire Select Retail Credit Card Portfolio From Standard Chartered India
Apr 30, 2026
Federal Bank’s board has approved a plan for the bank to enter into a deed of assignment with Standard Chartered Bank, India, to acquire a selected portfolio of retail credit cards. This move signals Federal Bank’s intent to deepen its...
Federal Bank Publishes FY26 Earnings Call Audio for Investors
Apr 29, 2026
Federal Bank has announced that the audio recording of its earnings call with analysts and investors, discussing the audited financial results for the quarter and year ended March 31, 2026, has been made available on its website. The move enhances...
Federal Bank Allots 276,479 Shares Under Employee Stock Option Schemes
Apr 13, 2026
Federal Bank Ltd. has allotted a total of 276,479 equity shares with a face value of Rs. 2 each to employees exercising stock options under its ESOS 2010 and ESOS 2017 schemes. The allotment, approved by the Nomination, Remuneration, Ethics and Co...
Federal Bank Allots Shares Under Employee Stock Option Schemes
Mar 26, 2026
Federal Bank has allotted a total of 25,910 new equity shares with a face value of Rs. 2 each to employees who exercised their stock options. The allotment covers 1,500 shares under the ESOS 2010 scheme and 24,410 shares under the ESOS 2017 scheme...
Federal Bank Discloses One-on-One Investor Meeting With IFC in Mumbai
Mar 23, 2026
Federal Bank Ltd. notified the stock exchanges that it held a one-on-one physical meeting with investor IFC in Mumbai on March 23, 2026, as part of its ongoing analyst and investor engagement efforts. The bank clarified that no presentations were ...
Federal Bank Discloses Details of One-on-One Investor Meeting with Abakkus Asset Manager
Mar 17, 2026
Federal Bank Limited has notified the stock exchanges about a scheduled interaction with an institutional investor, Abakkus Asset Manager, held on March 17, 2026. The engagement took the form of a one-on-one virtual meeting, and the bank confirmed...
Federal Bank Allots Equity Shares on Exercise of Employee Stock Options
Mar 15, 2026
Federal Bank has allotted new equity shares following the exercise of employee stock options under its ESOS 2010 and ESOS 2017 schemes. The bank issued 5,920 shares of Rs. 2 each under the 2010 plan and 313,693 shares of Rs. 2 each under the 2017 ...
Federal Bank launches Capital Gains Account Scheme with new savings and deposit products
Mar 13, 2026
Federal Bank Limited has introduced a new Capital Gains Account Scheme, expanding its product suite in the savings and deposits segment to better serve customers with capital gains tax management needs. The launch covers both the Fed Capital Gains...
Federal Bank Discloses One-on-One Analyst Meeting With Citi in Mumbai
Mar 11, 2026
Federal Bank Ltd. informed stock exchanges that it held a one-on-one physical meeting with Citi on March 11, 2026, in Mumbai as part of its regular analyst and investor engagement activities under SEBI disclosure norms. The bank noted that no pres...
Federal Bank allots equity shares under employee stock option schemes
Mar 9, 2026
Federal Bank Ltd. has allotted 1,525 equity shares under its ESOS 2010 scheme and 84,637 equity shares under its ESOS 2017 scheme following the exercise of stock options by eligible employees on March 9, 2026. The share issuances, approved by the ...
Federal Bank opens special window to transfer and demat physical shares
Mar 7, 2026
Federal Bank Limited has announced that it has published notices in national and regional newspapers about a special window for the transfer and dematerialisation of its physical shares. The move is in compliance with a recent Securities and Excha...
Federal Bank Engages Key Institutional Investors in One-on-One Mumbai Meetings
Mar 4, 2026
Federal Bank Ltd. has disclosed that its management held one-on-one, in-person meetings in Mumbai on March 4, 2026, with key institutional investors including Axis Mutual Fund, Mondrian Investment Partners, and Mahindra Manulife Mutual Fund. The b...
Federal Bank Allots Shares Under ESOS 2017 Following Employee Option Exercise
Feb 28, 2026
Federal Bank has allotted 177,242 equity shares with a face value of ₹2 each to employees who exercised stock options under its ESOS 2017 scheme. The move marginally increases the bank’s equity base and reflects the ongoing implementat...
Federal Bank details investor meetings at Kotak Securities’ Chasing Growth 2026 event
Feb 26, 2026
Federal Bank Limited has disclosed that it participated in the “Chasing Growth 2026” event organized by Kotak Securities on February 26, 2026, in Mumbai, where it held a group physical meeting with a range of prominent institutional in...
Federal Bank discloses one-on-one investor meet with T Rowe Price
Feb 26, 2026
Federal Bank Limited has notified the stock exchanges about its participation in an analyst and investor engagement hosted by Kotak Securities under the event ‘Chasing Growth 2026’ in Mumbai. The bank held a one-on-one physical meeting...
Federal Bank Allots Over 1.62 Lakh Shares on ESOP Exercise
Feb 8, 2026
Federal Bank has allotted a total of 162,531 new equity shares with a face value of Rs 2 each to employees who exercised stock options under its ESOS 2010 and ESOS 2017 schemes on 8 February 2026. The move marginally increases the bank’s equ...
Federal Bank Allots Over 61,000 Shares Under Employee Stock Option Schemes
Feb 1, 2026
Federal Bank has allotted a total of 61,552 equity shares, each with a face value of Rs 2, to employees upon the exercise of stock options under its ESOS 2010 and ESOS 2017 schemes. The move, approved by the bank’s Nomination, Remuneration, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.