Is Fedbank Financial Services a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Fedbank Financial Services Ltd is a average quality company .

Is Fedbank Financial Services undervalued or overvalued?

The key valuation ratios of Fedbank Financial Services Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is Fedbank Financial Services share price return in the past 10 years?

Data is not available for this company

Is Fedbank Financial Services a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Fedbank Financial Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of Fedbank Financial Services?

The latest standalone P/E ratio of Fedbank Financial Services as of 21-Nov-2024 is 13.54.

What is the P/B ratio of Fedbank Financial Services?

The latest standalone P/B ratio of Fedbank Financial Services as of 21-Nov-2024 is 1.51.

What is the 52-week high and low of Fedbank Financial Services?

The 52-week high of Fedbank Financial Services is Rs. 153.50 and the 52-week low is Rs. 97.05.

Fedbank Financial Services Ltd - Stock Valuation and Financial Performance

Name: Fedbank Financial Services
Brand: Fedbank Financial Services

BSE: 544027 | NSE: FEDFINA | Finance - NBFC | Small Cap

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Fedbank Financial Share Price

₹94.20 -3.30 -3.38%
as on 21-Nov'24 16:59

10 Year X-Ray of Fedbank Financial:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	77.2	88	133	197	255	450	692	869	1,179	1,577	1,811
YoY Gr. Rt. %	-	14.1%	50.6%	48.3%	29.6%	76.7%	53.8%	25.7%	35.6%	33.8%	-
Adj EPS (₹ )	0.3	0.7	1.2	1.6	1.5	1.4	2.1	3.2	5.6	6.6	7.2
YoY Gr. Rt. %	-	97%	83.1%	36.1%	-5.6%	-6.5%	49%	51.2%	73.9%	18.2%	-
BVPS (₹ )	10.3	10.9	12.1	13.7	20.1	25.2	28.6	35.7	41.7	60.9	64.6
YoY Gr. Rt. %	-	6.2%	10.9%	12.7%	47%	25.4%	13.6%	24.6%	16.8%	46.2%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.5	2.2	2.8	2.5	2	1.3	1.3	1.7	2.3	2.4	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	39.8%	44%	31.6%	33.8%
Adj EPS	39.5%	34%	45.9%	18.2%
BVPS	21.8%	24.8%	28.6%	46.2%
Share Price	-	-	-	-

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	8.2	13.9	17	15.7	13.8	8.7	8.9	11.9	15.3	15.5	14.8
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	3.3	6.1	10.3	12.6	9.7	6.8	8.1	10.5	14.5	13.6	11.1

Recent Performance Summary

Total Income has increased 31.61 CAGR in last 3 years

Net Profit has increased 45.93 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 11.50%

Latest Financials - Fedbank Financial Services Ltd

	Standalone	Consolidated
TTM EPS (₹)	7.2	-
TTM Sales (₹ Cr.)	1,811	-
BVPS (₹.) ⓘ	64.6	-
Reserves (₹ Cr.) ⓘ	2,030	-
P/BV ⓘ	1.51	-
PE ⓘ	13.54	-

From the Market
52 Week Low / High (₹)	97.05 / 153.50
All Time Low / High (₹)	97.45 / 153.50
Market Cap (₹ Cr.)	3,626
Equity (₹ Cr.)	371.9
Face Value (₹)	10
Industry PE ⓘ	27.8

Management X-Ray of Fedbank Financial:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Fedbank Financial

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Fedbank Financial

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	81	89	135	198	259	467	698	884	1,235	1,633
Interest Income	77	88	133	197	255	450	692	869	1,179	1,577
Other Income ⓘ	4	1	2	1	4	17	6	14	56	55
Expenditure ⓘ	72	71	99	148	210	411	621	744	977	1,304
Interest Expense ⓘ	21	25	48	77	112	201	313	348	472	680
Operating Expenses ⓘ	47	43	49	66	91	186	233	310	440	546
Provisions	4	2	2	5	7	24	75	87	64	79
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	-15	0
Profit Before Tax ⓘ	9	19	35	49	49	56	77	139	243	328
Taxes ⓘ	2	7	13	19	14	17	15	36	63	83
Profit After Tax	6	12	23	31	35	39	62	103	180	245
Adjusted EPS (₹)	0.3	0.6	1.2	1.6	1.5	1.4	2.1	3.2	5.6	6.6
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	196	208	230	260	462	691	835	1,154	1,356	2,261
Share Capital ⓘ	190	190	190	190	230	273	290	322	322	369
Reserves ⓘ	6	18	40	70	232	418	545	832	1,034	1,891
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	27	130	203	659	976	2,946	3,839	4,541	6,603	7,460
Current Liabilities	247	301	566	558	687	442	772	830	1,091	1,415
Trade Payables	4	1	1	2	7	9	4	6	26	12
Short term borrowings	227	246	433	305	290	267	472	448	516	761
Other Liabilities	-231	-247	-434	-307	-297	-276	-476	-454	-542	-773
Total Liabilities ⓘ	470	639	1,000	1,477	2,125	4,080	5,446	6,524	9,049	11,136
Assets
Non Current Asset	206	311	534	904	1,358	115	144	166	210	287
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	206	311	534	904	1,358	115	144	166	210	287
Current Asset	264	328	466	573	767	3,964	5,302	6,358	8,839	10,848
Current Investment	14	0	0	9	13	41	32	514	681	751
Other Current Asset	250	328	466	563	754	3,923	5,270	5,844	8,159	10,097
Total Assets ⓘ	470	639	1,000	1,477	2,125	4,080	5,446	6,524	9,049	11,136

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-62	-132	-321	-418	-453	-1,393	-371	-578	-1,474	-776
Cash Flow From Investing Activity ⓘ	-9	14	-1	-9	-3	-72	-71	-417	-130	-100
Cash Flow From Financing Activity ⓘ	71	115	322	437	501	1,599	825	535	1,632	967
Net Cash Flow ⓘ	0	-3	1	9	45	133	384	-460	28	92

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	0	1	1	2	2	1	2	3	6	7
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	10	11	12	14	20	25	29	36	42	61
Performance Ratios
ROA (%)	1.5	2.2	2.8	2.5	2.0	1.3	1.3	1.7	2.3	2.4
ROE (%)	3.3	6.1	10.3	12.6	9.7	6.8	8.1	10.5	14.5	13.6
ROCE (%)	7.4	8.3	10.8	10.7	9.3	8.6	8.6	8.6	9.8	10.6
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.9

Fedbank Financial Services Ltd Stock News

Fedbank Financial Services Ltd FAQs

What is the share price of Fedbank Financial?

Company share prices are keep on changing according to the market conditions. The closing price of Fedbank Financial on 21-Nov-2024 16:59 is ₹94.20.

What is the market cap of Fedbank Financial?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 16:59 the market cap of Fedbank Financial stood at ₹3,626.2.

What is the P/E ratio of Fedbank Financial?

The latest P/E ratio of Fedbank Financial as of 21-Nov-2024 16:59 is 13.54.

What is the P/B ratio of Fedbank Financial?

The latest P/B ratio of Fedbank Financial as of 21-Nov-2024 16:59 is 1.51.

What is the 52-week high and low of Fedbank Financial?

The 52-week high of Fedbank Financial is ₹153.5 and the 52-week low is ₹97.05.

What is the TTM revenue of Fedbank Financial?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Fedbank Financial is ₹1,811 ( Cr.) .

About Fedbank Financial Services Ltd

Fedbank Financial Services is a retail focused non-banking finance company (NBFC) promoted by The Federal Bank Limited. The company is focused on catering to the MSMEs and the emerging self-employed individuals (ESEIs) sector. The ESEI and MSME segment is largely unaddressed by lending institutions in India. This segment provides the company with a sizeable opportunity to rapidly grow and expand further. It has a well-tailored suite of products targeted to match its customers’ needs, which includes mortgage loans such as housing loans; small ticket loan against property (LAP); and medium ticket LAP, unsecured business loans, and gold loans.

It is promoted by Federal Bank, which, adds a degree of trust among its stakeholders. Federal Bank will continue to own more than 51% of its outstanding share capital post the completion of the Offer. The company’s long operating history, track record, management expertise and the “Federal Bank” brand have enabled it to establish a competitive position in the markets it serves and create trust among its customers, lenders, regulators and investors.

The company also has a “Phygital” doorstep model, a combination of digital and physical initiatives, for providing customized services to its customers across all of its products. This also helps the company to constantly remain in touch with its customers. Technology is the core building block of its underwriting model which combines electronic data and physical information and document collection.

Business area of the company

Fedbank is a retail-focused non-banking finance company, with the second lowest cost of borrowing among the micro, small, and medium enterprises (MSMEs), gold loan, and MSME & gold loan peer set in India in Fiscal 2023. The company's clientele comes mainly from the MSME and emerging self-employed individuals (ESEI) sectors. The company's product range includes mortgage loans such as housing loans; small ticket loans against property (LAP); and medium ticket LAP, unsecured business loans, and gold loans. The company also has a Phygital doorstep model, a combination of digital and physical initiatives, for providing customized services to customers across all the products.

Awards, accreditations, and accolades

2016: Awarded second place in 14th National Awards for Excellence in Cost Management in ‘banking, financial services and insurance’ category by the Institute of Cost Accountants of India
2019: Awarded the ‘Certificate of Responsible Recycling’ by E-Incarnation Recycling Private Limited.
2020: Certified as a ‘Great Workplace’ by ‘Great Place to Work’ by Great Place to Work Institute, India.
2021: Ranked 16th in Best Places to Work in India 2021 Employee Choice Awards by AmbitionBox.
2021: Certified as a ‘Great Workplace’ by ‘Great Place to Work’ by Great Place to Work Institute, India.
2021: Received recognition for ‘Commitment to Being a Great Place to Work’ by Great Place to Work Institute, India.
2022: Certified as a ‘Great Workplace’ by Great Place to Work Institute India.
2022: Awarded by Chamber of Indian Small and Medium Enterprises.
2023: Awarded ‘Top 50 India’s Best Workplaces in BFSI 2023’ by Great Place to Work Institute, India.
2023: Awarded ‘Banking Frontiers - Best Talent, Diversity and Cultural Initiative'

Major events and milestones

1995: Incorporation of the company
2007: Commenced business of distribution of housing loans, home equity mortgage loans, personal car loans and personal loans for the Promoter
2010: Received license to operate as an NBFC from the RBI
2011: Commenced the business of distribution of gold loans
2012: Commenced the business of medium ticket LAP
2015: Loan book of the company crossed Rs 5,000 million
2015: Crossed 100 branches
2015: Commenced the business of construction finance offering
2016: Net worth of the company crossed Rs 2,000 million
2017: Commenced business of small ticket LAP and structured finance products
2017: Loan book of the company crossed Rs 10,000 million
2018: Commenced business of distribution of unsecured business loans
2018: Received investment of Rs 1,686.00 million by True North
2019: Crossed 200 branches
2019: Net worth of the company crossed Rs 5,000 million;
2019: Loan book of the company crossed Rs 30,000 million
2020: Crossed 300 branches
2020: Maiden Subordinated liabilities issuance of Rs 2,500 million
2020: Initiated digital transformation journey
2020: Loan book of the company crossed Rs 40,000 million
2021: Crossed 500 branches
2021: Net worth of the company crossed Rs 10,000 million
2021: Started operations of door-step gold loans
2021: Loan book of the company crossed Rs 50,000 million
2021: Shifted the registered office of the Company from Aluva, Kerala to Mumbai, Maharashtra
2022: Crossed 550 branches
2022: Net worth of the company crossed Rs 13,000 million
2022: Loan book of the company crossed Rs 70,000 million
2022: Door-step gold loans AUM crossed Rs 1,000 million
2022: Credit rating of the company was upgraded from AA- to AA by CARE Ratings Limited
2023: Net worth of the company crossed Rs 13,500 million
2023: Loan book of the company crossed Rs 80,000 million
2023: Issuance of MLD amounting to Rs 2,000 million
2023: Issuance of subordinated debt of Rs 2,000 million