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Fedbank Financial Services Limited

Fedbank Financial Services Limited

NSE: FEDFINA
Credit ServicesFinancial ServicesSMALL CAPMCap ₹6.07k Cr
₹161.86₹4.28 (+2.72%)

Market Closed • NSE

Market cap₹6.07k Cr
Enterprise value₹19.50k Cr
P/E TTM14.07
Forward P/E9.90
P/B1.88
EPS TTM₹11.50
Forward EPS₹16.35
ROE0.15%
ROA0.03%
D/E4.68
Dividend yield0.00%
52W high₹178.48
52W low₹119.07
Price chart(1Y)
1Y Return:+8.66% (+₹12.90)
H: ₹174.4L: ₹141.6
1W+7.86%
1M+6.30%
3M+2.60%
6M+6.89%
1Y+7.44%
Today at a glance

Day range

₹155.00₹163.20

52 week range

₹119.07₹178.48
Volume1.72M1.40x 20D avg
Free float50.00%+40.40% volume

Fedbank Financial Services Limited closed at INR161.86 (+2.72%) on volume 1.4x its 20-day average, trading 9.31% below its 52-week high.

Technical analysis
RSI (14)63.1Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹5.62High
SMA 20₹151.91BULLISH
SMA 50₹154.15BULLISH
SMA 100₹154.38BULLISH
SMA 200₹149.61BULLISH
CPR bottom₹156.09
Pivot₹156.59
CPR top₹157.08
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +13.8% QoQ

2024-09-13

AGM Announced

Annual General Meeting

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹12.76k Cr₹6.07k Cr210.12%≤ 33%FAIL
Non-halal income ratio–₹2.21k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹15.54k Cr₹16.87k Cr92.06%≥ 20%PASS
Receivables ratio–₹16.87k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E14.0716.50
Forward P/E9.90—
P/B1.881.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield7.106.10
Growth & profitability
RevenuePAT
FY24PAT margin 16.10%
FY25PAT margin 11.10%
FY26PAT margin 15.60%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+21.60%
Revenue CAGR 5Y+7.70%
PAT CAGR 3Y+15.10%
PAT CAGR 5Y+7.00%
Operating margin44.02%
Net margin30.22%
Financial health & cash flow
Net debt₹11.42k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-4.64x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-166416.0 Lakh
Capital expenditure–
Free cash flow₹-169417.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation75/100
Profitability50/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 14.1x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 4.68x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · September 2024

Ownership distribution

Sept 2024Latest holding

Category trends

Hover over a period for exact holdings

70%47%23%0%Sept 2024
20.19%Institutional holding
19.13%Public holding
1Periods available
0.00%Promoter pledged
1.16LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
—Annual General MeetingAnnual General Meeting—13 Sept 2024
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)49.80%+4.52% latest vs average
Highest delivery70.19%on 13 Oct
Average volume (20D)1.23MTrading-session average
Conviction trendStrengthening+4.52% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Fedbank Financial Services Limited
Fedbank Financial Services Limited

Fedbank Financial Services Limited a subsidiary of The Fedral Bank Limited, provides Gold Loans, Home Loans, Loan Against Property (LAP), and Business Loan Services.[1]

IndiaFinancial Services

Questions investors ask
Is Fedbank Financial Services Limited Shariah compliant?

Fedbank Financial Services Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (210.12%) exceeds AAOIFI threshold (≤ 33%).

What is Fedbank Financial Services Limited's current valuation relative to peers?

Fedbank Financial Services Limited trades at a P/E of 14.1x compared to the sector median of 16.5x, and a Price-to-Book of 1.9x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 4.68x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 7.7% while net profit growth averaged 7%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.