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IDFC First Bank Ltd. (IN:IDFCFIRSTB)
:IDFCFIRSTB
India Market
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IDFC First Bank Ltd. (IDFCFIRSTB) AI Stock Analysis

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IN:IDFCFIRSTB

IDFC First Bank Ltd.

(IDFCFIRSTB)

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Neutral 56 (OpenAI - 4o)
Rating:56Neutral
Price Target:
₹73.00
▲(4.32% Upside)
IDFC First Bank's overall score is primarily influenced by its financial performance and technical analysis. While the bank shows growth potential, recent revenue declines and cash flow volatility are concerns. The technical indicators suggest a neutral market position, and the high P/E ratio indicates potential overvaluation.

IDFC First Bank Ltd. (IDFCFIRSTB) vs. iShares MSCI India ETF (INDA)

IDFC First Bank Ltd. Business Overview & Revenue Model

Company DescriptionIDFC 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, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments. The company provides savings, corporate salary, current, and business accounts; fixed and recurring deposits; debit, credit, and prepaid cards; and payment services. It also offers personal, consumer durable, home, car, two-wheeler, equipment hypothecation, business, working capital, professional, term, and micro enterprise loans, as well as loan against property and loans for women. In addition, the company provides corporate linked finance products, including sales bill/purchase bill/invoice discounting, vendor finance, dealer finance, and factoring/receivables purchase; treasury and capital market services; and trade finance and services comprising import-export solutions, bank guarantees, remittances, etc. Further, it offers investment services consisting of mutual funds, gold bonds, demat and trading account, and investment linked insurance solutions; term, health, motor, home, travel, business, and pradhan mantri insurance products, as well as savings and annuity plans; and mobile, Internet banking, and customer care services. Additionally, the company provides cash management services; investment banking services; and investment management solutions. As of March 31, 2022, it operated 641 branches, 203 asset service branches, 719 ATMs and recyclers, and 601 rural business correspondent branches. The company was formerly known as IDFC Bank Limited and changed its name to IDFC First Bank Limited in January 2019. IDFC First Bank Limited was incorporated in 2014 and is based in Mumbai, India.
How the Company Makes MoneyIDFC First Bank generates revenue primarily through interest income from its diverse portfolio of loans and advances, which includes retail loans such as home loans, personal loans, and vehicle loans, as well as corporate and SME loans. The bank also earns income from fees and commissions associated with its banking services, including transaction fees, credit card fees, and wealth management services. Additionally, IDFC First Bank benefits from investments in government securities and other financial instruments, which contribute to its interest income. The bank has established significant partnerships with fintech companies and leverages technology to enhance its digital banking offerings, thus expanding its customer base and facilitating cross-selling opportunities.

IDFC First Bank Ltd. Financial Statement Overview

Summary
IDFC First Bank shows growth in revenue and equity, but faces challenges with profitability and cash flow stability. The balance sheet is strong, yet improvements in operational efficiency are needed.
Income Statement
55
Neutral
IDFC First Bank has shown a mixed performance in its income statement. The bank's revenue has increased over the years, indicating growth, but the recent drop in total revenue in 2025 suggests a potential slowdown. The gross profit margin has remained stable due to the nature of the banking industry where cost of goods sold is minimal. However, the net profit margin fluctuated due to varying net income, reflecting challenges in controlling expenses relative to revenue. The decrease in EBITDA margin from 2024 to 2025 highlights efficiency issues. Overall, while there is growth, profit margins indicate potential profitability challenges.
Balance Sheet
70
Positive
The balance sheet of IDFC First Bank indicates a strong equity base with growing stockholders' equity over time. The debt-to-equity ratio has remained manageable, suggesting a balanced approach to leveraging debt. However, the increasing total liabilities relative to assets could pose a risk if not managed effectively. The equity ratio suggests a solid asset base funded by equity, indicating stability. Overall, the balance sheet reflects a reasonable level of financial stability with potential for further strengthening.
Cash Flow
45
Neutral
The cash flow statement reveals significant fluctuations in operating cash flow, particularly the negative operating cash flow in 2025, which could indicate operational inefficiencies or increased cash outflows. Free cash flow has also been volatile, showing a sharp decline recently, suggesting potential issues with cash management or capital expenditure. The operating cash flow to net income ratio has deteriorated, pointing to challenges in translating profits into cash. The bank needs to improve its cash flow stability to enhance financial health.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue330.82B207.56B363.50B272.83B203.07B182.06B
Gross Profit248.20B207.56B224.80B171.93B97.29B104.41B
EBITDA18.64B27.00B44.88B37.66B5.48B8.61B
Net Income14.90B14.90B29.42B24.85B1.32B4.83B
Balance Sheet
Total Assets3.44T3.44T2.96T2.40T1.90T1.63T
Cash, Cash Equivalents and Short-Term Investments150.99B150.99B124.81B137.79B157.02B82.89B
Total Debt389.84B389.84B439.36B624.91B570.67B485.70B
Total Liabilities3.06T3.06T2.64T2.14T1.69T1.45T
Stockholders Equity381.56B381.56B322.74B258.48B210.82B179.00B
Cash Flow
Free Cash Flow0.00-378.94B43.15B23.75B21.97B134.56B
Operating Cash Flow0.00-369.75B56.88B35.63B26.79B140.42B
Investing Cash Flow0.00-34.78B-98.87B-119.96B-29.60B-28.33B
Financing Cash Flow0.00427.67B-29.54B65.09B272.14B-95.98B

IDFC First Bank Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price69.98
Price Trends
50DMA
70.74
Negative
100DMA
70.71
Negative
200DMA
65.91
Positive
Market Momentum
MACD
>-0.01
Positive
RSI
42.61
Neutral
STOCH
6.54
Positive
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 69.98 is below the 20-day moving average (MA) of 71.24, below the 50-day MA of 70.74, and above the 200-day MA of 65.91, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 42.61 is Neutral, neither overbought nor oversold. The STOCH value of 6.54 is Positive, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
550.87B5.8111.83%3.39%18.55%31.54%
60
Neutral
471.01B11.7312.04%0.62%15.26%-1.94%
60
Neutral
664.75B24.435.11%9.29%77.92%
56
Neutral
₹513.93B40.160.36%17.19%-57.11%
51
Neutral
577.06B57.193.97%2.23%-2.45%-88.84%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:IDFCFIRSTB
IDFC First Bank Ltd.
69.98
-3.98
-5.38%
IN:AUBANK
AU Small Finance Bank Limited
741.20
5.51
0.75%
IN:BANKINDIA
Bank of India
119.55
12.87
12.06%
IN:FEDERALBNK
Federal Bank Ltd. (India)
193.15
1.71
0.89%
IN:INDUSINDBK
IndusInd Bank Ltd.
740.55
-711.85
-49.01%
IN:YESBANK
Yes Bank Limited
21.34
-1.40
-6.16%

IDFC First Bank Ltd. Corporate Events

IDFC First Bank Announces Investor Meeting Schedule
Aug 12, 2025

IDFC First Bank Limited has announced its schedule for upcoming meetings with analysts and institutional investors, which are set to take place at various locations including Singapore, Mumbai, Hongkong, and virtually. These meetings are part of the bank’s efforts to engage with investors and provide updates on its financial performance and strategic initiatives, potentially impacting its market perception and investor relations.

IDFC First Bank Grants 70,000 Stock Options to Employees
Aug 5, 2025

IDFC First Bank Ltd. has announced the grant of 70,000 stock options to its eligible employees under the ‘IDFC FIRST Bank Limited – Employee Stock Option Scheme’. This move, approved by the Nomination & Remuneration Committee, is in compliance with the SEBI regulations and aims to incentivize employees by vesting the options equally over four years with a three-year exercise period. This initiative is likely to enhance employee engagement and align their interests with the company’s growth objectives.

IDFC First Bank Allots Shares Under Employee Stock Option Scheme
Jul 28, 2025

IDFC First Bank Limited has announced the allotment of 411,445 equity shares to eligible employees under its Employee Stock Option Scheme. This move increases the bank’s issued and paid-up equity share capital, reflecting its commitment to employee engagement and retention, and potentially enhancing its market position by aligning employee interests with shareholder value.

IDFC First Bank Releases Q1 FY26 Earnings Call Recording
Jul 27, 2025

IDFC First Bank Ltd. announced the availability of the audio recording of its earnings call for the first quarter of the fiscal year 2026. The call, held with analysts and investors, discussed the bank’s unaudited financial results for the quarter ending June 30, 2025. This move reflects the bank’s commitment to transparency and keeping stakeholders informed about its financial performance.

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.Date of analysis: Sep 24, 2025