Fedbank Financial Services Ltd. (IN:FEDFINA)
:FEDFINA
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Fedbank Financial Services Ltd.
(FEDFINA)
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Rating:70Outperform
Price Target:
₹151.00
▼(-5.98% Downside)
Action:ReiteratedDate:01/17/26
The score is driven primarily by solid financial performance with strong growth, tempered by leverage and cash flow pressure. Technicals are supportive with the stock trading above major moving averages and positive MACD. Valuation is moderate based on the provided P/E, with no dividend data to further strengthen the valuation view.
Positive Factors
Sustained Revenue Growth
Consistent top-line growth indicates durable demand for Fedbank's retail lending products (LAP, gold loans). Persistent revenue expansion supports scale advantages in underwriting, branching and distribution, enabling reinvestment in origination and risk infrastructure over the medium term.
Negative Factors
Elevated Leverage
Material leverage raises structural funding and refinancing risks for an NBFC, increasing sensitivity to rate moves and wholesale liquidity conditions. Elevated debt constrains strategic flexibility, limits buffer for credit stress, and can raise long-term funding costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent top-line growth indicates durable demand for Fedbank's retail lending products (LAP, gold loans). Persistent revenue expansion supports scale advantages in underwriting, branching and distribution, enabling reinvestment in origination and risk infrastructure over the medium term.
Read all positive factors
Fedbank Financial Services Ltd. (FEDFINA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹51.21B
Dividend YieldN/A
Average Volume (3M)108.62K
Price to Earnings (P/E)16.1
Beta (1Y)0.86
Revenue Growth14.44%
EPS Growth-10.84%
CountryIN
Employees4,262
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.40
Shares Outstanding374,206,120
10 Day Avg. Volume106,807
30 Day Avg. Volume108,621
Financial Highlights & Ratios
PEG Ratio-0.80
Price to Book (P/B)1.14
Price to Sales (P/S)1.47
P/FCF Ratio-2.91
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)11.98
Revenue Forecast (FY)₹16.51B
Fedbank Financial Services Ltd. Business Overview & Revenue Model
Company Description
Fedbank Financial Services Limited, a non-banking finance company (NBFC), provides financing services to individuals and businesses in India. It operates through three segments: Distribution, Retail Finance, and Wholesale Finance. The company offe...
How the Company Makes Money
Fedbank Financial Services Ltd. primarily makes money by earning net interest income (NII) on its loan portfolio: it raises funds (e.g., through bank borrowings, market instruments and other funding sources available to NBFCs) and lends to custome...
Fedbank Financial Services Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.15B | 19.73B | 15.22B | 11.51B | 8.54B | 6.79B |
| Gross Profit | 7.86B | 7.56B | 5.47B | 4.51B | 3.42B | 2.44B |
| EBITDA | 3.78B | 3.65B | 3.75B | 2.94B | 1.85B | 1.14B |
| Net Income | 2.30B | 2.25B | 2.45B | 1.80B | 1.03B | 616.84M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 132.50B | 111.38B | 90.71B | 65.56B | 54.66B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 8.35B | 10.61B | 946.20M | 6.57B | 6.81B |
| Total Debt | 0.00 | 99.61B | 83.40B | 72.70B | 51.54B | 44.53B |
| Total Liabilities | -25.47B | 107.02B | 88.77B | 77.15B | 54.02B | 46.32B |
| Stockholders Equity | 25.47B | 25.47B | 22.61B | 13.56B | 11.54B | 8.35B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -9.98B | -7.89B | 4.44B | 2.27B | 2.12B |
| Operating Cash Flow | 0.00 | -9.80B | -7.76B | 4.59B | 2.54B | -3.71B |
| Investing Cash Flow | 0.00 | 3.29B | -1.00B | -24.99B | -15.98B | -705.24M |
| Financing Cash Flow | 0.00 | 11.87B | 9.67B | 20.67B | 8.84B | 8.26B |
Fedbank Financial Services Ltd. Technical Analysis
Positive
160.60
Price Trends
137.20
Negative
142.33
Negative
138.78
Negative
Market Momentum
-1.45
Negative
54.46
Neutral
50.84
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FEDFINA, the sentiment is Positive. The current price of 160.6 is above the 20-day moving average (MA) of 128.81, above the 50-day MA of 137.20, and above the 200-day MA of 138.78, indicating a neutral trend. The MACD of -1.45 indicates Negative momentum. The RSI at 54.46 is Neutral, neither overbought nor oversold. The STOCH value of 50.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹51.21B | 16.05 | ― | ― | 14.44% | -10.84% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹29.93B | 23.71 | ― | 0.92% | 5.73% | 12.29% | |
64 Neutral | ₹52.88B | 15.92 | ― | 0.43% | 24.90% | 11.78% | |
51 Neutral | ₹13.36B | 10.24 | ― | ― | ― | ― | |
50 Neutral | ₹31.77B | 98.87 | ― | ― | -5.36% | 469.19% |
* Financial Sector Average
IN:FEDFINA
Fedbank Financial Services Ltd.
136.85
50.73
58.91%
IN:INDOSTAR
IndoStar Capital Finance Limited
196.65
-89.60
-31.30%
IN:MASFIN
MAS Financial Services Ltd.
291.45
46.52
18.99%
IN:NORTHARC
Northern Arc Capital Ltd.
220.10
46.65
26.90%
IN:SURYODAY
Suryoday Small Finance Bank Limited
125.65
17.10
15.75%
IN:TFCILTD
Tourism Finance Corporation of India Limited
64.65
29.96
86.36%
Fedbank Financial Services Ltd. Corporate Events
Fedbank Financial Services Says SEBI Special Window Rules Not Applicable Due to Fully Demat Shareholding
Mar 16, 2026
Fedbank Financial Services clarified that nearly all of its equity shares are held in dematerialised form, with only one shareholder currently holding five shares in physical mode following a rematerialisation request. Because the company was list...
Fedbank Financial Services Discloses One-on-One Analyst Meet With Equirus Asset Management
Mar 12, 2026
Fedbank Financial Services Ltd. informed the stock exchanges that its officials held an analyst and investor meeting with Equirus Asset Management on March 12, 2026, in Mumbai. The company clarified that no unpublished price-sensitive information ...
Fedbank Financial Services Details Investor Meetings Held on March 11
Mar 11, 2026
Fedbank Financial Services Ltd. informed the stock exchanges that its representatives held virtual investor meetings on March 11, 2026, in compliance with SEBI’s listing and disclosure regulations. The company emphasized that no unpublished ...
Fedbank Financial Services reports no deviation in IPO fund usage for December quarter
Feb 10, 2026
Fedbank Financial Services Ltd. has disclosed that the monitoring agency ICRA Limited reported no material deviation in the use of proceeds from its public issue for the quarter ended December 31, 2025. The company stated that the funds raised hav...
Fedbank Financial Services Discloses Analyst Meet With 360 One, Affirms Regulatory Compliance
Jan 22, 2026
Fedbank Financial Services Limited has disclosed to the stock exchanges that its officials held an in-person analyst and investor meeting with 360 One at the latter’s Worli office in Mumbai on 22 January 2026, in line with SEBI’s discl...
Fedbank Financial Services Shares Q3 FY26 Investor Presentation With Markets
Jan 15, 2026
Fedbank Financial Services Limited has released an investor presentation used during its earnings call with analysts and investors to discuss financial results for the quarter ended December 31, 2025. By formally disseminating this presentation to...
Fedbank Financial Services Raises Rs 200 Crore via NCDs, Issues Shares Under ESOP
Jan 6, 2026
Fedbank Financial Services Limited has approved and allotted 20,000 senior, secured, listed, rated, redeemable non-convertible debentures with a face value of Rs. 1,00,000 each, aggregating Rs. 200 crore, on a private placement basis at a coupon o...
Fedbank Financial Services Raises Rs 200 Crore via NCDs, Allots Shares Under ESOP
Jan 6, 2026
Fedbank Financial Services has approved and completed the allotment of 20,000 senior, secured, listed, rated, redeemable non-convertible debentures with a face value of Rs 1,00,000 each, aggregating Rs 200 crore, on a private placement basis to el...
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.