Fedbank Financial Services Ltd. (IN:FEDFINA)
:FEDFINA
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Fedbank Financial Services Ltd.
(FEDFINA)
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Rating:64Neutral
Price Target:
₹175.00
▲(8.97% Upside)
Action:Downgraded
Date:04/30/26
The score is driven mainly by solid growth and profitability but moderated by high leverage and historically volatile cash generation. Technicals are supportive with positive momentum, while valuation is fair on earnings but lacks dividend support.
Positive Factors
Sustained revenue growth & profitability
The company has delivered sustained top-line expansion and scaled earnings through FY2026, with net income and historically mid-to-high single digit to low-teens margins. Consistent revenue and profit generation provide durable capacity to reinvest, build reserves, and support retail lending growth over the next 2–6 months.
Negative Factors
Elevated leverage and funding sensitivity
Debt has expanded sharply as assets grew, leaving leverage at multi-turn levels. High leverage amplifies sensitivity to funding spikes or rate rises, increases interest expense burden and limits strategic flexibility, making continued growth dependent on steady access to wholesale funding over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth & profitability
The company has delivered sustained top-line expansion and scaled earnings through FY2026, with net income and historically mid-to-high single digit to low-teens margins. Consistent revenue and profit generation provide durable capacity to reinvest, build reserves, and support retail lending growth over the next 2–6 months.
Read all positive factors
Fedbank Financial Services Ltd. (FEDFINA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹57.64B
Dividend YieldN/A
Average Volume (3M)108.62K
Price to Earnings (P/E)16.7
Beta (1Y)0.73
Revenue Growth6.66%
EPS Growth51.87%
CountryIN
Employees4,262
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)6.17
Shares Outstanding374,511,440
10 Day Avg. Volume106,807
30 Day Avg. Volume108,621
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.58
Price to Sales (P/S)2.08
P/FCF Ratio18.54
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)12.45
Revenue Forecast (FY)₹16.98B
Fedbank Financial Services Ltd. Business Overview & Revenue Model
Company Description
Fedbank Financial Services Limited, an Indian non-banking financial company (NBFC), offers a diverse range of financial solutions to individuals and corporate clients across India. Its operations are organized into three core divisions: Distributi...
How the Company Makes Money
Fedbank Financial Services makes money primarily through interest income earned on loans it originates and holds on its balance sheet. The company raises funds through borrowings (e.g., from banks and financial institutions) and other funding sour...
Fedbank Financial Services Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.15B | 22.27B | 19.73B | 15.22B | 11.51B | 8.54B |
| Gross Profit | 7.86B | 12.39B | 7.56B | 5.47B | 4.51B | 3.42B |
| EBITDA | 3.78B | 5.15B | 3.65B | 3.75B | 2.94B | 1.85B |
| Net Income | 2.30B | 3.44B | 2.25B | 2.45B | 1.80B | 1.03B |
Balance Sheet | ||||||
| Total Assets | 119.89B | 168.75B | 132.50B | 111.38B | 90.71B | 65.56B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 13.91B | 8.35B | 10.61B | 946.20M | 6.57B |
| Total Debt | 92.80B | 136.75B | 99.61B | 83.40B | 72.70B | 51.54B |
| Total Liabilities | -25.47B | 139.49B | 107.02B | 88.77B | 77.15B | 54.02B |
| Stockholders Equity | 25.47B | 29.26B | 25.47B | 22.61B | 13.56B | 11.54B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.50B | -9.98B | -7.89B | 4.44B | 2.27B |
| Operating Cash Flow | 0.00 | 2.77B | -9.80B | -7.76B | 4.59B | 2.54B |
| Investing Cash Flow | 0.00 | -28.82B | 3.29B | -1.00B | -24.99B | -15.98B |
| Financing Cash Flow | 0.00 | 32.20B | 11.87B | 9.67B | 20.67B | 8.84B |
Fedbank Financial Services Ltd. Technical Analysis
Neutral
160.60
Price Trends
152.59
Positive
144.56
Positive
146.18
Positive
Market Momentum
1.19
Positive
48.11
Neutral
53.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FEDFINA, the sentiment is Neutral. The current price of 160.6 is above the 20-day moving average (MA) of 157.99, above the 50-day MA of 152.59, and above the 200-day MA of 146.18, indicating a neutral trend. The MACD of 1.19 indicates Positive momentum. The RSI at 48.11 is Neutral, neither overbought nor oversold. The STOCH value of 53.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:FEDFINA.
Fedbank Financial Services Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹34.49B | 27.87 | ― | 0.92% | 6.45% | 18.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹57.36B | 15.44 | ― | 0.43% | 25.13% | 17.12% | |
66 Neutral | ₹48.10B | 11.84 | ― | ― | 14.63% | 0.16% | |
64 Neutral | ₹57.64B | 16.72 | ― | ― | 6.66% | 51.87% | |
61 Neutral | ₹18.63B | 12.25 | ― | ― | 16.07% | 32.15% | |
54 Neutral | ₹39.91B | 16.30 | ― | ― | -6.77% | 70.81% |
* Financial Sector Average
IN:FEDFINA
Fedbank Financial Services Ltd.
153.90
35.88
30.40%
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28.36
61.47%
Fedbank Financial Services Ltd. Corporate Events
Fedbank Financial Services details June 9 investor meetings in Mumbai
Jun 9, 2026
Fedbank Financial Services Ltd. informed exchanges that its officials held a series of investor meetings in Mumbai on June 9, 2026, running from 10:05 a.m. to 4:55 p.m. The company said these interactions form part of its regular disclosures under...
Fedbank Financial Services Allots 188,719 Shares on ESOP Exercise
Jun 4, 2026
Fedbank Financial Services has approved the allotment of 188,719 equity shares with a face value of Rs. 10 each following the exercise of vested stock options under its 2018 employee stock option scheme. This issuance increases the company’s...
Fedbank Financial Services Allots ESOP Shares, Marginally Increases Equity Capital
May 6, 2026
Fedbank Financial Services has allotted 71,125 equity shares of ₹10 each following the exercise of vested stock options under its 2018 employee stock option scheme. This raises its paid-up equity capital from ₹3,74,25,16,010 to ₹...
Fedbank Financial Services Allots 24,500 ESOP Shares, Marginally Ups Capital Base
Apr 15, 2026
Fedbank Financial Services Limited has allotted 24,500 equity shares to employees following the exercise of vested stock options under its 2018 Employee Stock Option Scheme, a move that marginally increases the company’s equity base. The pai...
Fedbank Financial Services Files SEBI Demat Compliance Certificate for March Quarter
Apr 8, 2026
Fedbank Financial Services Ltd. notified the stock exchanges that it has received a quarterly confirmation certificate from its registrar and share transfer agent, MUFG Intime India Private Ltd., under Regulation 74(5) of the SEBI (Depositories an...
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.