āagmanLoginNot investment advice. Data and computed figures, for information only.
Fedbank Financial Services Ltd
₹157.58
−₹2.36 (−1.48%)
NSE · 15 Oct 2026, close
Market Cap
₹5,492 Cr
CMP
₹157.58
52-wk High / Low
₹178 / 119
P/E
14.3
P/B
1.9
Book Value
₹78.2
Div Yield
0.00%
ROCE
9.1%
ROE
13.0%
Face Value
₹10
D/E
4.67
Price+1.1% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹127
√(22.5 × EPS × book value per share)
Cash flow to profit
−4.84
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.0%
ROE × earnings retention ratio
ROE stability
1.7
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −0.12FII +8.64DII −7.93
Latest quarter vs the previous one
Cash-accrual divergence
13.3%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.1x)
+PE of 14.3x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 9.1% trails the sector median of 9.4%
−Piotroski F-Score of 2/9 is in the weak band (≤3)
−Balance-sheet accruals of 13.3% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 361 | 395 | 413 | 408 | 477 | 513 | 530 | 536 | 517 | 535 | 555 | 616 | 670 |
| Expenses | 124 | 144 | 156 | 154 | 184 | 207 | 273 | 210 | 187 | 202 | 215 | 228 | 230 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 6 | 3 | 16 | 20 | 14 | 6 | 2 | 1 | 1 | 1 | 1 | 1 | 0 |
| Interest | 164 | 167 | 176 | 173 | 202 | 214 | 221 | 216 | 218 | 214 | 208 | 239 | 273 |
| Depreciation | 9 | 9 | 10 | 9 | 11 | 12 | 13 | 13 | 12 | 13 | 14 | 15 | 14 |
| Profit before tax | 72 | 77 | 88 | 91 | 94 | 86 | 25 | 99 | 100 | 107 | 118 | 135 | 153 |
| Net Profit | 54 | 58 | 65 | 68 | 70 | 65 | 19 | 72 | 75 | 80 | 88 | 101 | 114 |
| EPS (₹) | 1.68 | 1.80 | 1.77 | 1.83 | 1.89 | 1.74 | 0.50 | 1.92 | 2.01 | 2.14 | 2.35 | 2.69 | 3.05 |
Profit & Loss
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 255 | 464 | 692 | 869 | 1,180 | 1,577 | 2,063 | 2,224 | 2,377 |
| Expenses | 83 | 190 | 280 | 359 | 442 | 578 | 873 | 832 | 875 |
| Operating Profit | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 2 | 6 | 14 | 19 | 46 | 17 | 3 | 3 |
| Interest | 114 | 201 | 313 | 348 | 472 | 680 | 854 | 879 | 934 |
| Depreciation | 8 | 19 | 27 | 37 | 42 | 37 | 49 | 54 | 56 |
| Profit before tax | 51 | 56 | 77 | 139 | 243 | 328 | 304 | 461 | 514 |
| Net Profit | 36 | 39 | 62 | 103 | 180 | 245 | 225 | 344 | 383 |
| EPS (₹) | 1.57 | 1.43 | 2.13 | 3.22 | 5.60 | 6.62 | 6.04 | 9.18 | 10.23 |
Balance Sheet
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 230 | 273 | 290 | 322 | 322 | 369 | 373 | 374 | — |
| Reserves | 229 | 418 | 545 | 832 | 1,034 | 1,891 | 2,175 | 2,552 | — |
| Other Liabilities | 53 | 88 | 179 | 248 | 445 | 537 | 265 | 274 | — |
| Total Liabilities | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 | 16,875 | — |
| Fixed Assets | 46 | 107 | 133 | 154 | 146 | 146 | 189 | 220 | — |
| CWIP | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 2 | — |
| Investments | 13 | 41 | 32 | 514 | 681 | 751 | 404 | 402 | — |
| Other Assets | 2,092 | 3,938 | 5,300 | 5,887 | 8,244 | 10,241 | 12,656 | 16,251 | — |
| Total Assets | 2,151 | 4,086 | 5,466 | 6,556 | 9,071 | 11,138 | 13,250 | 16,875 | — |
| Borrowing | 1,639 | 3,307 | 4,453 | 5,154 | 7,270 | 8,340 | 10,437 | 13,675 | — |
Cash Flows
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | −445 | −1,397 | −371 | −578 | −1,474 | −776 | −978 | −1,664 |
| Cash from Investing Activity | −55 | −69 | −71 | −417 | −130 | −100 | 329 | −31 |
| Cash from Financing Activity | 495 | 1,599 | 825 | 535 | 1,632 | 967 | 1,187 | 2,310 |
| Net Cash Flow | −5 | 133 | 384 | −460 | 28 | 92 | 539 | 615 |
Ratios
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | — | 9.1 |
| ROE % | 8.0 | 7.0 | 8.0 | 10.0 | 15.0 | 14.0 | 9.0 | 13.0 |
| EPS (₹) | 1.57 | 1.43 | 2.13 | 3.22 | 5.60 | 6.62 | 6.04 | 9.18 |
| Book Value (₹) | — | — | — | — | — | — | — | 78.2 |
| Face Value (₹) | — | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | — | 14.3 |
| Div Yield % | — | — | — | — | — | — | — | 0.00 |
| NPM % | 14.1 | 8.4 | 8.9 | 11.7 | 15.0 | 15.1 | 10.8 | 15.4 |
| OPM % | — | — | — | — | — | — | — | — |
| D/E | 3.57 | 4.79 | 5.33 | 4.47 | 5.36 | 3.69 | 4.10 | 4.67 |
| P/B | — | — | — | — | — | — | — | 1.9 |
Growth
Compounded sales growth
5 years+26.0%
3 years+24.0%
TTM+13.0%
Compounded profit growth
5 years+41.0%
3 years+22.0%
TTM+67.0%
Stock price CAGR
Last year−6.0%
Return on equity
5 years12.0%
3 years12.0%
Last year13.0%
Documents
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Change in ManagementBoard Meeting Intimation for Consideration And Approval Of The Unaudited Financial Results Of The Company For The Quarter And Half Year Ended September 30 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Corporate actions
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman