IDFC First Bank Ltd. (IN:IDFCFIRSTB)
:IDFCFIRSTB
Top Page
IDFC First Bank Ltd.
(IDFCFIRSTB)
Select Model
Select Model
Rating:61Neutral
Price Target:
₹64.00
▲(4.52% Upside)
Action:ReiteratedDate:10/29/25
IDFC First Bank's stock score is primarily influenced by its financial performance and technical analysis. While the stock shows strong technical momentum, financial challenges such as declining revenue and cash flow volatility pose risks. The high P/E ratio suggests potential overvaluation, further impacting the overall score.
Positive Factors
Balance Sheet Strength
A strong and growing equity base with a manageable debt-to-equity ratio gives the bank enduring capacity to absorb credit shocks, support loan growth and invest in distribution. This enhances financial flexibility and reduces likelihood of forced deleveraging over a multi‑quarter horizon.
Negative Factors
Cash Flow Volatility
Material swings and a recent negative operating cash flow raise concerns about the bank's ability to convert earnings into cash. Over several quarters this can strain liquidity, force reliance on wholesale funding, and limit capacity for organic capital build or sustained credit growth without raising costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
A strong and growing equity base with a manageable debt-to-equity ratio gives the bank enduring capacity to absorb credit shocks, support loan growth and invest in distribution. This enhances financial flexibility and reduces likelihood of forced deleveraging over a multi‑quarter horizon.
Read all positive factors
IDFC First Bank Ltd. (IDFCFIRSTB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹526.68B
Dividend Yield0.29%
Average Volume (3M)1.00M
Price to Earnings (P/E)38.4
Beta (1Y)1.10
Revenue Growth14.45%
EPS Growth-41.85%
CountryIN
Employees41,141
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
Shares Outstanding8,601,699,000
10 Day Avg. Volume1,327,745
30 Day Avg. Volume1,004,618
Financial Highlights & Ratios
PEG Ratio-0.54
Price to Book (P/B)1.10
Price to Sales (P/S)0.96
P/FCF Ratio-1.11
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹81.88Price Target Upside33.73% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)4.87
Revenue Forecast (FY)₹359.68B
IDFC First Bank Ltd. Business Overview & Revenue Model
Company Description
IDFC First Bank Limited provides various banking, and financial products and services to corporates, individuals, multi- national companies, SMEs/entrepreneurs, financial institutions, and the government in India. It operates through Treasury, Cor...
How the Company Makes Money
IDFC First Bank primarily makes money through interest income and fee-based income from its banking products and services.
1) Net interest income (NII): The core earnings driver is the spread between (a) interest earned on loans and investments a...
IDFC First Bank Ltd. Financial Statement Overview
Summary
Income Statement
55
Neutral
Balance Sheet
70
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 462.60B | 436.09B | 363.50B | 272.83B | 207.62B | 190.27B |
| Gross Profit | 207.76B | 264.01B | 224.80B | 171.93B | 132.97B | 104.41B |
| EBITDA | 17.61B | 27.00B | 44.88B | 37.66B | 5.57B | 8.61B |
| Net Income | 14.37B | 14.90B | 29.42B | 24.85B | 1.32B | 4.83B |
Balance Sheet | ||||||
| Total Assets | 3.82T | 3.44T | 2.96T | 2.40T | 1.90T | 1.63T |
| Cash, Cash Equivalents and Short-Term Investments | 155.01B | 150.99B | 124.81B | 137.79B | 50.30B | 82.89B |
| Total Debt | 407.92B | 389.84B | 591.85B | 624.91B | 570.67B | 485.70B |
| Total Liabilities | 3.36T | 3.06T | 2.64T | 2.14T | 1.69T | 1.45T |
| Stockholders Equity | 465.54B | 381.56B | 322.74B | 258.48B | 210.82B | 179.00B |
Cash Flow | ||||||
| Free Cash Flow | -239.28B | -378.94B | 43.15B | 23.75B | 21.97B | 134.56B |
| Operating Cash Flow | -235.66B | -369.75B | 56.88B | 35.63B | 26.79B | 140.42B |
| Investing Cash Flow | -99.56B | -34.78B | -98.87B | -119.96B | -217.85B | -28.33B |
| Financing Cash Flow | 339.16B | 427.67B | -29.54B | 65.09B | 272.14B | -95.98B |
IDFC First Bank Ltd. Technical Analysis
Negative
61.23
Price Trends
73.81
Negative
78.09
Negative
75.30
Negative
Market Momentum
-3.84
Negative
36.35
Neutral
36.66
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDFCFIRSTB, the sentiment is Negative. The current price of 61.23 is below the 20-day moving average (MA) of 63.66, below the 50-day MA of 73.81, and below the 200-day MA of 75.30, indicating a bearish trend. The MACD of -3.84 indicates Negative momentum. The RSI at 36.35 is Neutral, neither overbought nor oversold. The STOCH value of 36.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IDFCFIRSTB.
IDFC First Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹625.99B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
69 Neutral | ₹664.09B | 27.81 | ― | 0.10% | 30.73% | 14.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
68 Neutral | ₹569.23B | 17.71 | ― | ― | 5.15% | 52.75% | |
62 Neutral | ₹610.59B | 131.74 | ― | 1.95% | -7.44% | -109.30% | |
61 Neutral | ₹526.68B | 38.44 | ― | 0.29% | 14.45% | -41.85% | |
61 Neutral | ₹671.23B | 15.03 | ― | 0.45% | 10.62% | -5.21% |
* Financial Sector Average
IN:IDFCFIRSTB
IDFC First Bank Ltd.
61.23
3.52
6.10%
IN:AUBANK
AU Small Finance Bank Limited
887.50
342.72
62.91%
IN:BANKINDIA
Bank of India
137.50
32.08
30.43%
IN:FEDERALBNK
Federal Bank Ltd. (India)
275.25
85.90
45.37%
IN:INDUSINDBK
IndusInd Bank Ltd.
783.70
104.45
15.38%
IN:YESBANK
Yes Bank Limited
18.14
0.96
5.59%
IDFC First Bank Ltd. Corporate Events
IDFC First Bank Publishes Postal Ballot Notice in Line With SEBI Norms
Mar 19, 2026
IDFC First Bank has notified stock exchanges that it has published a notice of postal ballot in national and regional newspapers, complying with disclosure norms under SEBI’s Listing Obligations and Disclosure Requirements Regulations. The p...
IDFC First Bank Seeks Shareholder Nod via E-Vote for Independent Director Re-Appointment
Mar 18, 2026
IDFC First Bank has initiated a postal ballot process to seek shareholder approval for the re-appointment of Mr. S. Ganesh Kumar as an independent director, proposing this as a special resolution. The move underscores the bank’s focus on boa...
IDFC First Bank Links Share Price Volatility to Fraud Disclosure, Not Haryana Move
Feb 23, 2026
IDFC First Bank has clarified that its relationships with various state and central governments, including empanelments and tax-collection mandates, are part of its ordinary course of business and involve routine approvals and permissions. The ban...
IDFC First Bank Schedules Investor Call to Discuss Recent Developments
Feb 22, 2026
IDFC First Bank has scheduled a conference call on February 23, 2026, at 8:00 a.m. IST, where senior management will brief investors and analysts on recent developments at the bank. The call, accessible via universal and toll-free dial-in numbers ...
IDFC First Bank Appoints KPMG for Independent Forensic Audit
Feb 22, 2026
IDFC First Bank has appointed KPMG as an independent external agency to conduct a forensic audit related to a matter previously disclosed to the stock exchanges. The move aligns with regulatory requirements under SEBI’s listing regulations a...
IDFC First Bank Flags ₹590 Crore Fraud at Chandigarh Branch Involving Haryana Govt Accounts
Feb 21, 2026
IDFC First Bank has disclosed that a preliminary internal review has uncovered unauthorized and fraudulent activities by certain employees at a Chandigarh branch, affecting a specific set of Haryana government-linked accounts. Discrepancies were d...
IDFC First Bank Posts Q3 FY26 Earnings Call Audio on Website
Feb 1, 2026
IDFC First Bank Limited has notified the stock exchanges that the audio recording of its Q3 FY26 earnings call with analysts and investors, held on January 31, 2026, discussing the unaudited financial results for the quarter and nine months ended ...
IDFC First Bank Maps Out February 2026 Investor Conference Roadshow
Jan 28, 2026
IDFC First Bank has announced a packed schedule of participation in multiple high-profile analyst and institutional investor conferences in early February 2026, including events hosted by Goldman Sachs, ICICI Securities, JM Financial, Nuvama, Syst...
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.