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GOLD 24K (10g)₹75,420+0.38%
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IDFC First Bank Limited

IDFC First Bank Limited

NSE: IDFCFIRSTB
Banks - RegionalFinancial ServicesLARGE CAPMCap ₹67.33k Cr
₹78.08₹-0.99 (-1.25%)

Market Closed • NSE

Market cap₹67.33k Cr
Enterprise value₹96.28k Cr
P/E TTM30.15
Forward P/E11.41
P/B1.38
EPS TTM₹2.59
Forward EPS₹6.85
ROE0.05%
ROA0.01%
Dividend yield0.00%
52W high₹89.61
52W low₹58.08
Price chart(1Y)
1Y Return:+2.07% (+₹1.58)
H: ₹89.61L: ₹73.35
1W-1.71%
1M-9.56%
3M-4.38%
6M+15.11%
1Y+8.63%
Today at a glance

Day range

₹77.94₹79.28

52 week range

₹58.08₹89.61
Volume9.70M0.44x 20D avg
Free float50.00%-55.60% volume

IDFC First Bank Limited closed at INR78.08 (-1.25%) on volume 0.44x its 20-day average, trading 12.87% below its 52-week high.

Technical analysis
RSI (14)36.3Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹1.84Moderate
SMA 20₹81.49BEARISH
SMA 50₹83.93BEARISH
SMA 100₹81.49BEARISH
SMA 200₹77.33BULLISH
CPR bottom₹78.97
Pivot₹79.00
CPR top₹79.04
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +237% QoQ

2026-08-07

DIVIDEND Announced

Dividend - Re 0.25 Per Share

2025-07-11

DIVIDEND Announced

Dividend - Rs 0.25 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹36.63k Cr₹67.33k Cr54.41%≤ 33%FAIL
Non-halal income ratio₹40.55k Cr₹29.09k Cr139.39%≤ 5%FAIL
Illiquid assets ratio₹387.01k Cr₹399.77k Cr96.81%≥ 20%PASS
Receivables ratio–₹399.77k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E30.1516.50
Forward P/E11.41—
P/B1.381.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.306.10
Growth & profitability
RevenuePAT
FY24PAT margin 13.10%
FY25PAT margin 5.80%
FY26PAT margin 5.60%

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

Revenue CAGR 3Y+3.40%
Revenue CAGR 5Y+5.30%
PAT CAGR 3Y+1.80%
PAT CAGR 5Y-11.40%
Operating margin20.75%
Net margin9.09%
Financial health & cash flow
Net debt₹23.87k CrModerate
Interest coverage0.00xEBIT / interest
CFO / PAT6.86x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹6.82k Cr
Capital expenditure–
Free cash flow₹6.04k Cr
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
Overall50/100
Valuation50/100
Profitability50/100
Financial health50/100

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

High Cash Flow Conversion: CFO/PAT averaged 6.86x over last 3 years

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Banks - Regional.

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.

Corporate Action

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

Record dateCorporate actionInformationAnnouncement dateEx-date
07 Aug 2026Dividend₹0.25 / share—07 Aug 2026
11 Jul 2025Dividend₹0.25 / share—11 Jul 2025
12 Mar 2021Interest PaymentInterest Payment—10 Mar 2021
05 Mar 2021Interest PaymentInterest Payment—04 Mar 2021
19 Dec 2020Interest PaymentInterest Payment—17 Dec 2020
13 Mar 2020Interest PaymentInterest Payment—12 Mar 2020
28 Feb 2020Interest PaymentInterest Payment—27 Feb 2020
13 Dec 2019Interest PaymentInterest Payment—12 Dec 2019
15 Mar 2019Interest PaymentInterest Payment—14 Mar 2019
01 Mar 2019Interest PaymentInterest Payment—28 Feb 2019
14 Dec 2018Interest PaymentInterest Payment—13 Dec 2018
—Dividend₹0.75 / share—23 Jul 2018
09 Mar 2018Interest PaymentInterest Payment—08 Mar 2018
01 Mar 2018Interest PaymentInterest Payment—28 Feb 2018
15 Dec 2017Interest PaymentInterest Payment—14 Dec 2017
—Dividend₹0.75 / share—20 Jul 2017
10 Mar 2017Buy BackBuy Back—09 Mar 2017
03 Mar 2017Interest Payment/BuybackInterest Payment/Buyback—02 Mar 2017
09 Dec 2016Interest Payement/BuybackInterest Payement/Buyback—08 Dec 2016
—Dividend₹0.25 / share—19 Jul 2016
25 Mar 2016Payment Of Amt Of BuybackPayment Of Amt Of Buyback—22 Mar 2016
11 Mar 2016Interest PaymentInterest Payment—10 Mar 2016
04 Mar 2016Interest PaymentInterest Payment—03 Mar 2016
05 Feb 2016Buyback Of BondsBuyback Of Bonds—04 Feb 2016
15 Dec 2015Interest PaymentInterest Payment—14 Dec 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)52.19%+0.83% latest vs average
Highest delivery61.24%on 18 Sept
Average volume (20D)21.83MTrading-session average
Conviction trendStrengthening+0.83% 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 IDFC First Bank Limited
IDFC First Bank Limited

IDFC First Bank Limited provides various banking and financial services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments. The company offers treasury and forex solutions, including correspondent banking, FX, cross-border swift, government bonds and strips, liberalized remittance scheme, and external commercial borrowing solutions, as well as treasury solutions comprising forwards, options, and swaps. It also provides retail lending solutions, such as home loans, vehicle loans, consumer loans, education loans, personal loans, used car loans, gold loans, rural finance, and tractor finance; SME lending solutions that consist of loan against property, business banking, working capital loans, commercial vehicle loans, micro enterprise loans, trade advance, and startup banking; CASA and fixed deposits, which include current accounts, savings accounts, fixed deposits, nostro/vostro accounts, overdrafts, corporate salary accounts, accounts for ONDC, and escrow account; and NRI Banking that comprises NRE accounts, NRO accounts, seafarer accounts, FCNR deposits, and NRE/NRO deposits. In addition, the company offers wealth management and distribution solutions, including distribution of life insurance, general insurance, credit shield, health insurance, mutual funds, and AIFs; credit cards; and FASTag, such as tag issuer, toll acquirer, toll, parking, and fuel solutions. Further, it provides trade finance solutions that consist of letters of credit and discounting, bank guarantee, buyer's credit/SBLC, parking credit in foreign currency and INR, remittances, and pre and post shipment finance; supply chain financing; and transaction banking and CMS solutions. 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 founded in 1997 and is headquartered in Mumbai, India.

IndiaFinancial Services

Questions investors ask
Is IDFC First Bank Limited Shariah compliant?

IDFC First Bank Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bbanks?\b/i Debt to Market Cap (54.41%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (139.39%) exceeds 5% threshold.

What is IDFC First Bank Limited's current valuation relative to peers?

IDFC First Bank Limited trades at a P/E of 30.1x compared to the sector median of 16.5x, and a Price-to-Book of 1.4x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of zero debt. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 5.3% while net profit growth averaged -11.4%.

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.