Fedbank Financial Services Ltd. (IN:FEDFINA)
:FEDFINA
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Fedbank Financial Services Ltd.
(FEDFINA)
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Rating:64Neutral
Price Target:
₹159.00
▼(-1.00% Downside)
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
Revenue and earnings growth
Sustained top-line expansion and scaled net income show the franchise can grow originations while maintaining profitability. This revenue momentum supports product distribution and investment capacity, underpinning durable earnings power over the next several quarters as loan volumes scale.
Negative Factors
Elevated leverage
High leverage typical of NBFC growth increases sensitivity to funding costs, market dislocations and asset-quality shocks. With debt elevated relative to equity, refinancing or tighter liquidity could compress margins and constrain growth or require higher provisioning under stress over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
Sustained top-line expansion and scaled net income show the franchise can grow originations while maintaining profitability. This revenue momentum supports product distribution and investment capacity, underpinning durable earnings power over the next several quarters as loan volumes scale.
Read all positive factors
Fedbank Financial Services Ltd. (FEDFINA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹56.54B
Dividend YieldN/A
Average Volume (3M)108.62K
Price to Earnings (P/E)11.5
Beta (1Y)0.76
Revenue Growth6.66%
EPS Growth51.87%
CountryIN
Employees4,262
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)6.17
Shares Outstanding374,322,720
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)₹16.40B
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 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 | 0.00 | 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 | 0.00 | 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
Positive
160.60
Price Trends
140.46
Positive
143.85
Positive
143.34
Positive
Market Momentum
2.61
Positive
54.75
Neutral
48.74
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 150.68, above the 50-day MA of 140.46, and above the 200-day MA of 143.34, indicating a bullish trend. The MACD of 2.61 indicates Positive momentum. The RSI at 54.75 is Neutral, neither overbought nor oversold. The STOCH value of 48.74 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹34.04B | 23.82 | ― | 0.92% | 6.45% | 18.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹56.32B | 12.88 | ― | 0.43% | 25.13% | 17.12% | |
66 Neutral | ₹44.59B | 8.27 | ― | ― | 14.63% | 0.16% | |
64 Neutral | ₹56.54B | 11.53 | ― | ― | 6.66% | 51.87% | |
61 Neutral | ₹17.06B | 8.75 | ― | ― | 16.07% | 32.15% | |
44 Neutral | ₹31.60B | 98.87 | ― | ― | -11.00% | 400.98% |
* Financial Sector Average
IN:FEDFINA
Fedbank Financial Services Ltd.
155.20
61.35
65.37%
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IN:SURYODAY
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IN:TFCILTD
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74.17
33.35
81.70%
Fedbank Financial Services Ltd. Corporate Events
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...
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...
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.