Fedbank Financial Services Limited
₹142.95-₹4.85 (-3.3%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹6,065 Cr
- P/E
- 24.7x
- Revenue
- ₹2,037 Cr
- ROCE
- 11.0%
Price chart
Technical chartScreen technicals →-1.0% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -5.1%
- 3M
- -6.4%
- 6M
- -2.3%
- 1Y
- -1.0%
- 5Y
- +0.3%
52-week range
Day change -₹4.85 (-3.3%) from ₹148 to ₹143 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in FEDFINA, bought on each weekday since 2023.
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.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 37.4 Cr shares
- ISIN
- INE007N01010
- BSE code
- 544027
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹6,065 Cr
- P/E
- 24.7x
- P/B
- 2.2x
- Earnings yield
- 4.0%
- 52-week high
- ₹176.40
- 52-week low
- ₹121.25
Profitability
- ROE
- 8.8%
- ROCE
- 11.0%
- Dividend payout
- 0.0%
- Tax rate
- 25.0%
- Other income, % of PBT
- 14.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,037 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 29.2%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 27.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹46.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 142.1%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -8.2%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 44.4%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹776 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -47.4%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹539 Cr
Solvency and efficiency
- CFO / Net profit
- -3.17
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹11 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹854 Cr |
| Revenue | Expenses | ₹873 Cr |
| Revenue | Financing profit | ₹310 Cr |
| Financing profit | Depreciation | ₹49 Cr |
| Financing profit | Profit before tax | ₹261 Cr |
| Other income | Profit before tax | ₹43 Cr |
| Profit before tax | Tax and other | ₹79 Cr |
| Profit before tax | Net profit | ₹225 Cr |
Revenue and net profit
Revenue grew 29.2% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹692 Cr | ₹62 Cr |
| FY2022 | ₹869 Cr | ₹103 Cr |
| FY2023 | ₹1,180 Cr | ₹180 Cr |
| FY2024 | ₹1,577 Cr | ₹245 Cr |
| FY2025 | ₹2,037 Cr | ₹225 Cr |
Cash flows
FY2025: -₹978 Cr from operations, -₹649 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹371 Cr | -₹442 Cr |
| FY2022 | -₹578 Cr | -₹995 Cr |
| FY2023 | -₹1,474 Cr | -₹1,604 Cr |
| FY2024 | -₹776 Cr | -₹876 Cr |
| FY2025 | -₹978 Cr | -₹649 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹2,037 Cr+29.2%1Y
- Net profit
- ₹225 Cr-8.2%1Y
- Cash from operations
- -₹978 Cr
- Free cash flow
- -₹649 Cr
- Revenue CAGR, 5Y
- 27.7%
- EBITDA CAGR, 5Y
- 87.2%
- Net profit CAGR, 5Y
- 44.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹2,037 Cr | ₹310 Cr | — | ₹225 Cr | -₹978 Cr | -₹649 Cr | — | +29.2% | -8.2% |
Monthly returns
Month-by-month returns of FEDFINA across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹13,250 Cr |
| Equity capital | ₹373 Cr |
| Reserves | ₹2,175 Cr |
| Borrowings | ₹10,437 Cr |
| Other liabilities | ₹265 Cr |
| Assets | ₹13,250 Cr |
| Fixed assets | ₹189 Cr |
| Capital work in progress | ₹1 Cr |
| Investments | ₹404 Cr |
| Other assets | ₹12,656 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
FEDFINA trades at 24.7x earnings against a peer median of 26.9x.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Fedbank Financial Services LimitedFEDFINAthis company | ₹6,065 Cr | 24.7x | 2.2x | 8.8% | — |
| Bengal & Assam Company LimitedBENGALASM | ₹7,453 Cr | 60.9x | 6.2x | 9.9% | 50.7x |
| Karnataka Bank Ltd.KTKBANK | ₹7,044 Cr | 6.1x | 0.6x | 10.5% | — |
| DCB Bank LimitedDCBBANK | ₹5,931 Cr | 8.9x | 1.0x | 10.8% | — |
| ICRA LimitedICRA | ₹5,761 Cr | 42.9x | 7.1x | 18.4% | 36.1x |
| MAS Financial Services LimitedMASFIN | ₹5,668 Cr | 17.0x | 2.0x | 11.8% | — |
| Canara Robeco Asset Management Company LimitedCRAMC | ₹5,595 Cr | 29.6x | — | 31.8% | 27.7x |
| Pilani Investment And Industries Corporation LimitedPILANIINVS | ₹5,445 Cr | 51.4x | 0.3x | 1.1% | 20.2x |
| INFIBEAM AVENUES LIMITEDCCAVENUE | ₹5,344 Cr | 41.1x | 1.1x | 4.8% | 19.1x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
FEDFINA since 1 January, against earlier years.
Historical volatility
FEDFINA's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 14.0% |
| FY2022 | 19.0% |
| FY2023 | 23.0% |
| FY2024 | 20.0% |
| FY2025 | 15.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹2,037 Cr |
| Costs | |
| Interest | ₹854 Cr |
| Expenses | ₹873 Cr |
| Financing profitFinancing Profit | ₹310 Cr |
| Financing marginFinancing Margin % | 15.0% |
| Other income and charges | |
| Profit before tax | ₹304 Cr |
| Tax | |
| Net profitNet Profit | ₹225 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹13,250 Cr |
| Equity capitalEquity Capital | ₹373 Cr |
| Reserves | ₹2,175 Cr |
| BorrowingsBorrowing | ₹10,437 Cr |
| Other liabilitiesOther Liabilities | ₹265 Cr |
| AssetsTotal Assets | ₹13,250 Cr |
| Fixed assetsFixed Assets | ₹189 Cr |
| Capital work in progressCWIP | ₹1 Cr |
| Investments | ₹404 Cr |
| Other assetsOther Assets | ₹12,656 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹978 Cr |
| Investing cash flowCash from Investing Activity | ₹329 Cr |
| Financing cash flowCash from Financing Activity | ₹1,187 Cr |
| Change in cashNet Cash Flow | ₹539 Cr |
Learn while you research
Academy chapters picked for Fedbank Financial Services Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing29% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read