IDFC First Bank

    IDFCFIRSTB
    Banking
    ₹84.80
    price as of 15/9/2026, 6:27:50 pm

    Market cap ₹73,116 Cr

    P/E
    32.74
    Day range
    ₹84.80 – ₹86.65
    52-week range
    ₹58.08 – ₹88.76
    Volume
    2.52 Cr
    Open
    ₹86.56
    Prev close
    ₹86.21

    Key metrics

    P/E (TTM)
    31.2
    EPS (TTM)
    ₹2.78
    ROE (FY26)
    3.8%
    Dividend yield
    0.29%

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +21.3%
    Profit 3Y CAGR
    -13.5%
    Revenue YoY (Jun 2026)
    +14.6%
    Profit YoY (Jun 2026)
    +153.4%
    Net margin
    10.4%

    Revenue, profit & margin - quarterly

    Bars in ₹ crore (a loss shows red); line is operating margin

    Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Jun 20260 Cr3.0K Cr6.0K Cr9.0K Cr12.0K Cr
    • Revenue
    • Net profit
    • Operating margin

    Who owns the company

    Shareholding as of Jun 2026

    • FII
    • Public
    • DII
    • Government

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-18.0KCr-9.0K Cr0 Cr9.0K Cr18.0K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY18FY19FY20FY21FY22FY23FY24FY25FY26-18%-9%0%9%18%15%

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); line is debt-to-equity

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 20260 Cr20.0K Cr40.0K Cr60.0K Cr80.0K Cr0.0x1.0x2.0x3.0x4.0x
    • Equity
    • Debt
    • Debt / equity

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue7,3567,8808,2208,7898,9579,3439,4139,6429,93710,41710,55311,051
    Interest3,4063,5923,7504,0934,1694,4404,5054,7094,8244,9244,8765,077
    Expenses4,3774,8745,1645,4176,2706,2606,4596,5896,5817,0067,1066,802
    Financing Profit-427-587-694-721-1,482-1,358-1,551-1,656-1,468-1,514-1,429-828
    Financing Margin %-6%-7%-8%-8%-17%-15%-16%-17%-15%-15%-14%-7%
    Other Income1,4101,5171,6421,5741,7271,7801,8952,2271,8912,1251,6302,310
    Depreciation000000000000
    Profit before tax9839309488532454223445714246112011,482
    Tax %24%21%23%25%14%19%14%21%18%22%-65%23%
    Net Profit7477327326432123402964533484793311,148
    EPS in Rs₹1.11₹1.04₹1.04₹0.91₹0.28₹0.46₹0.40₹0.62₹0.47₹0.56₹0.38₹1.33

    From company filings, updated 15 Sept 2026. Consolidated figures where the company reports them.Information only, not investment advice.

    Strengths, risks & growth

    IDFC First Bank is engaged in the business of Banking Services. IDFC FIRST Bank was founded by the merger of Erstwhile IDFC Bank and Erstwhile Capital First on December 18, 2018.

    Strengths

    None flagged by the checklist.

    Risks

    • Company has low interest coverage ratio.
    • Company has a low return on equity of 5.62% over last 3 years.
    • Contingent liabilities of Rs.5,47,886 Cr.
    • Earnings include an other income of Rs.7,956 Cr.
    • Dividend payout has been low at 8.54% of profits over last 3 years

    Compounded Sales Growth

    10 Years
    —
    5 Years
    +20%
    3 Years
    +21%
    TTM
    +12%

    Compounded Profit Growth

    10 Years
    —
    5 Years
    +28%
    3 Years
    -13%
    TTM
    +77%

    Stock Price CAGR

    10 Years
    +3%
    5 Years
    +11%
    3 Years
    -3%
    1 Year
    +20%

    Return on Equity

    10 Years
    +3%
    5 Years
    +6%
    3 Years
    +6%
    Last Year
    +4%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderSept 2025Dec 2025Mar 2026Jun 2026Change
    Promoter0.00%0.00%0.00%0.00%0.00 pp
    FII24.64%36.76%36.52%36.10%-0.42 pp
    DII24.33%22.38%22.73%24.35%+1.62 pp
    Government9.14%7.80%7.80%7.79%-0.01 pp
    Public41.89%33.05%32.93%31.73%-1.20 pp

    Filed with NSE for Jun 2026: promoters 0.00%, public 100.00% · XBRL filing

    Analysts & fund holdings

    64%
    64% recommend buy
    22 analysts cover the stock
    Valuation vs Banks
    P/E32.7 vs 16.6
    Sector P/B2.14
    Beta1.71

    Who holds the shares, quarter by quarter

    Mutual funds 12.76% (+1.57 pp)
    Aug 25
    Sept 25
    Oct 25
    Dec 25
    Mar 26
    Jun 26
    • Promoters0.0%
    • Foreign institutions36.1%
    • Mutual funds12.8%
    • Insurance10.9%
    • Other domestic institutions0.7%
    • Retail14.2%
    • Others25.3%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    Motilal Oswal Midcap Fund1.22%2.13%-0.12 pp
    Tata Small Cap Fund0.69%3.92%+0.13 pp
    Tata Large & Mid Cap Fund0.56%5.40%+0.54 pp
    Kotak Arbitrage Fund0.51%0.50%+0.20 pp
    Sundaram Mid Cap Fund0.44%2.21%+0.04 pp

    Scorecard

    Performance
    Avg
    Valuation
    High
    Growth
    Low
    Profitability
    High
    Entry point
    Avg
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Risk & trend

    From 248 daily sessions to 11 Sept 2026.

    Computed

    Risk

    Volatility (1Y)
    31.9%
    Downside volatility
    34.8%
    Worst 5% of days
    2.3%
    Average of that tail
    4.6%
    Max drawdown (1Y)
    31.6%
    Below its peak
    1.5%

    Against the market

    Beta vs Nifty 50
    1.23
    Correlation
    0.51
    Relative strength (3M)
    +12.0%
    ATR (14)
    1.8%

    Return

    Return 1M
    -0.4%
    Return 3M
    +10.1%
    Return 6M
    +28.2%
    Return 1Y
    —
    vs 200-day average
    +11.3%

    Momentum

    RSI (14)
    54.6
    MACD histogram
    -0.04
    Stochastic %K
    66.2
    ADX (14)
    30.7
    +DI / −DI
    25.1 / 14.4
    Money flow index
    48.1

    Participation

    Delivery (20d avg)
    54.6%
    vs its 60-day baseline
    +2.0 pts
    Volume vs 20-day
    -0.0σ
    Close vs day's VWAP
    +0.0%
    52-week position
    95 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 30 Jun 2026.

    Computed

    No F-Score: it needs two reporting periods a year apart that carry both an income statement and a balance sheet, and this company's filings do not yet line up that way. The ratios below need only the one period and are unaffected.

    Net debt
    ₹2,80,38,20,00,000
    Net debt / equity
    0.57
    EV / sales
    12.36

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    Corporate actions

    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.25 Per Share

      7 Aug 2026
      ex-date
    • dividend
      ₹0.25

      Dividend - Rs 0.25 Per Share

      11 Jul 2025
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      10 Mar 2021
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      4 Mar 2021
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      17 Dec 2020
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      12 Mar 2020
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      27 Feb 2020
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      12 Dec 2019
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      14 Mar 2019
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      28 Feb 2019
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      13 Dec 2018
      ex-date
    • dividend
      Not available — not reported in this filing

      Dividend Re 0.75 Per Share

      23 Jul 2018
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      8 Mar 2018
      ex-date
    • other
      Not available — not reported in this filing

      Interest Payment

      28 Feb 2018
      ex-date

    Insider trades

    Last 12 months, market trades
    Net selling ₹10.0 Cr
    0 buys · ₹0
    2 sells · ₹10.0 Cr
    Latest insider trades disclosed to NSE
    PersonTypeSharesValueDisclosed
    Rukmani Social Welfare Trust
    Market Sale
    		Sell6,25,000₹5.0 Cr27 Nov 2025
    Rukmani Social Welfare Trust
    Market Sale
    		Sell6,36,000₹5.0 Cr3 Nov 2025

    Disclosures filed with NSE under SEBI (Prohibition of Insider Trading) Regulations. Pledges and releases are not trades and are not counted above.

    Company announcements

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Allotment of equity shares pursuant to exercise of ESOP.

    Company Update
    Announcement Under Regulation 30 Of SEBI LODR

    Kindly refer the enclosed attachment

    Company Update
    Announcement Under Regulation 30 Of SEBI LODR

    Kindly refer the enclosed attachment

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Scrutinizer's Report

    Voting results along with scrutinizer report

    AGM/EGMPrice-sensitive
    Shareholder Meeting / Postal Ballot-Outcome of AGM

    Outcome of 12th Annual General Meeting

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Credit Rating

    Company Update
    Schedule Of Analysts / Institutional Investors Meets - Intimation.

    Kindly refer the enclosed Intimation regarding Schedule of Institutional Investor Meeting

    Company Update
    Successful Pricing Of US$350 Million 5 Year Senior Notes

    Please refer the enclosed disclosure.

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Allotment of 4,89,934 equity shares pursuant to exercise of ESOP.

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Credit Rating assigned by S&P Global Ratings.

    Company Update
    Successful Pricing Of Additional US$ 100 Million Senior Notes

    Kindly refer the attached disclosure.

    Company Update
    IDFC FIRST Bank Accesses International Debt Capital Markets With Maiden US$ 500 Million Notes Issuance

    Kindly refer the enclosed attachement

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Credit Rating assigned by S&P Global Ratings.

    Company Update
    Announcement under Regulation 30 (LODR)-Change in Management

    Intimation of Change in Senior Management.

    Company Update
    Announcement under Regulation 30 (LODR)-Newspaper Publication

    Newspaper Publication regarding dispatch of Notice of the AGM, Integrated Annual Report of the Bank for FY 2025-2026 and E-voting related matters.

    Filed with BSE (scrip 539437); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 25 Jan 2025 (unaudited). View the source filing. Figures are as filed and are not investment advice.