āagman

Not investment advice. Data and computed figures, for information only.

IDFC First Bank Ltd

NSE: IDFCFIRSTBF&O
₹79.07
+₹0.33 (+0.42%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹68,569 Cr
CMP
₹79.07
52-wk High / Low
₹90 / 58
P/E
29.8
P/B
1.4
Book Value
₹56.2
Div Yield
0.31%
ROCE
6.0%
ROE
4.0%
Face Value
₹10
D/E
6.98

Price+6.2% over 1Y

āagman read

Computed by āagman
Derived from 10 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹49
√(22.5 × EPS × book value per share)
Cash flow to profit
4.23
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
3.6%
ROE × earnings retention ratio
ROE stability
3.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.42DII +1.62
Latest quarter vs the previous one
Cash-accrual divergence
−1.4%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.0x)
+FII holding rose by 16.8pp over the last year
Watch-outs
−Latest ROCE of 6.0% trails the sector median of 9.4%
−Promoter holding fell by 40.0pp over the last year

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales6,8697,3567,8808,2208,7898,9579,3439,4139,6429,93710,41710,55311,051
Expenses4,1144,3774,8745,1645,4176,2706,2606,4596,5896,5817,0067,1066,802
Operating Profit—————————————
OPM %—————————————
Other Income1,3641,4101,5171,6421,5741,7271,7801,8952,2271,8912,1251,6302,310
Interest3,1223,4063,5923,7504,0934,1694,4404,5054,7094,8244,9244,8765,077
Depreciation0000000000000
Profit before tax9969839309488532454223445714246112011,482
Net Profit7327477327326432123402964533484793311,148
EPS (₹)1.101.111.041.040.910.280.460.400.620.470.560.381.33

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 10 years + TTM
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales8,5789,09812,20416,24015,96817,17322,72830,32536,50240,54941,958
Expenses1,4321,7894,7029,7608,73312,32313,33817,89923,57126,42227,496
Operating Profit———————————
OPM %———————————
Other Income1,0191,1208241,7222,2113,1734,4675,9326,9777,8747,956
Interest6,5157,1268,74310,2288,5857,46510,09113,87017,20819,33319,701
Depreciation1361682,8203203433824356318368610
Profit before tax1,5141,135−3,237−2,3465191753,3313,8571,8641,8072,717
Net Profit1,019880−1,908−2,8434831322,4852,9421,4901,6112,305
EPS (₹)3.002.58−3.99−5.910.850.213.754.162.041.872.74

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital3,3993,4044,7824,8105,6766,2186,6187,0707,3228,602—
Reserves11,27811,87013,41810,59412,22414,86419,22925,20430,83438,802—
Other Liabilities7,0275,7818,56311,27910,84910,56112,35312,43014,75921,426—
Total Liabilities1,12,0641,26,3821,67,0991,49,1591,63,0721,90,1462,39,8822,96,2103,43,9093,99,775—
Fixed Assets9337979409991,3701,4482,0542,7202,8022,653—
CWIP63347465792199574113—
Investments50,16460,90458,24545,17445,18245,93560,91374,50080,50585,646—
Other Assets60,96264,6771,07,8801,02,9111,16,4541,42,6841,76,6962,18,8952,60,5283,11,363—
Total Assets1,12,0641,26,3821,67,0991,49,1591,63,0721,90,1462,39,8822,96,2103,43,9093,99,775—
Deposits40,09848,03970,35465,07988,5361,05,5401,44,4702,00,5702,52,0102,94,312—
Borrowing50,26257,28769,98357,39745,78652,96357,21250,93638,98436,633—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity14,128−5,97817,36410,96614,0422,6793,56311,54314,4656,817
Cash from Investing Activity−4,918−1,027−494−3,790−2,833−2,960−11,996−9,887−3,174−14,121
Cash from Financing Activity−6,9746,742−12,220−12,539−9,59810,2116,509−2,954−8,6734,972
Net Cash Flow2,236−2634,649−5,3631,6109,929−1,924−1,2982,618−2,333

Ratios

As of 31 Mar 2026
10 periods
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—————————6.0
ROE %7.06.0−11.0−17.03.01.011.010.04.04.0
EPS (₹)3.002.58−3.99−5.910.850.213.754.162.041.87
Book Value (₹)—————————56.2
Face Value (₹)—————————10
P/E—————————29.8
Div Yield %—————————0.31
NPM %10.68.6−14.6−15.82.70.69.18.13.43.3
OPM %——————————
D/E6.166.907.717.957.507.527.807.797.636.98
P/B—————————1.4

Growth

As of 11 Oct 2026
Compounded sales growth
5 years+20.0%
3 years+21.0%
TTM+12.0%
Compounded profit growth
5 years+28.0%
3 years−13.0%
TTM+77.0%
Stock price CAGR
10 years+1.0%
5 years+10.0%
3 years−4.0%
Last year+7.0%
Return on equity
10 years3.0%
5 years6.0%
3 years6.0%
Last year4.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters52.88%52.88%52.80%40.00%40.00%39.98%36.49%39.99%37.43%0.00%0.00%0.00%
FIIs20.33%20.33%14.84%13.50%13.56%11.88%13.48%19.31%23.65%25.68%36.52%36.10%
DIIs5.64%5.64%7.97%4.02%4.41%11.23%9.58%7.69%6.79%19.30%22.73%24.35%
Government7.69%7.69%7.68%5.47%5.43%4.61%4.20%3.98%3.72%9.16%7.80%7.79%
Public13.45%13.45%16.70%37.01%36.59%32.31%36.24%29.05%28.38%45.86%32.93%31.73%
No. of shareholders5,73,9605,73,9606,12,5657,42,3698,79,69511,83,36215,68,95817,07,47926,11,51232,78,25928,90,40327,89,803
Change since Jun 2023 (pp)
Promoters −52.88FIIs +15.77DIIs +18.71Public +18.28

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAnnouncement under Regulation 30 (LODR)-Credit RatingProvisional Numbers For The Quarter Ended September 30, 2026Announcement under Regulation 30 (LODR)-Credit RatingClosure of Trading Window
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026TranscriptJul 2026PPTJul 2026RecordingApr 2026TranscriptApr 2026PPTApr 2026RecordingFeb 2026TranscriptFeb 2026TranscriptFeb 2026PPTFeb 2026Recording

Corporate actions

As of 7 Aug 2026
7 Aug 2026DIVIDENDDividend - Re 0.25 Per Share—
11 Jul 2025DIVIDENDDividend - Rs 0.25 Per Share—
23 Jul 2018DIVIDEND Dividend Re 0.75 Per Share—
20 Jul 2017DIVIDEND Dividend - Re 0.75 Per Share—
19 Jul 2016DIVIDEND Dividend - Re 0.25/- Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman