Fedbank Financial Services Limited
Fedbank Financial Services Limited, a non-banking finance company (NBFC), provides financing services to individuals and businesses in India. The company operates through three segments: Distribution, Retail Finance, and Wholesale Finance. The company offers housing, personal car, personal, home equity mortgage, gold, SME, business, unsecured business, mortgage, and retail loans. It also provides loans against property and retail asset products; construction finance to developers; and loans to other NBFCs. In addition, the company provides insurance products. Fedbank Financial Services Limited was incorporated in 1995 and is based in Mumbai, India. Fedbank Financial Services Limited is a subsidiary of The Federal Bank Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 27.7%
Concerns1
- Low return on equity of 8.8%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 7 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ2.04 K Cr | β | βΉ225.00 Cr | β | β | β | 29.2% | -8.2% |
| Mar 2024 | βΉ1.58 K Cr | β | βΉ245.00 Cr | β | β | β | 33.6% | 36.1% |
| Mar 2023 | βΉ1.18 K Cr | β | βΉ180.00 Cr | β | β | β | 35.8% | 74.8% |
| Mar 2022 | βΉ869.00 Cr | β | βΉ103.00 Cr | β | β | β | 25.6% | 66.1% |
| Mar 2021 | βΉ692.00 Cr | β | βΉ62.00 Cr | β | β | β | 49.1% | 59.0% |
| Mar 2020 | βΉ464.00 Cr | β | βΉ39.00 Cr | β | β | β | 82.0% | 8.3% |
| Mar 2019 | βΉ255.00 Cr | β | βΉ36.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 2,110 |
| Finance Costs | 869 |
| Total Expenses | 871 |
| Financing Profit | 371 |
| Financing Margin % | 18% |
| Other Income | 12 |
| Depreciation & Amortisation | 52 |
| Profit Before Tax | 332 |
| Tax % | - |
| Net Profit / PAT | 246 |
| EPS (βΉ) | 6.57 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Fedbank Financial Services Limitedthis co. | βΉ6.07 K Cr | βΉ2.04 K Cr | 24.70 | 2.23 | 0.00 | 29.2% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |