IDFC FIRST BANK LIMITED
₹71.91-₹1.39 (-1.9%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹71,318 Cr
- P/E
- 48.9x
- Revenue
- ₹36,501 Cr
- ROCE
- -1.5%
Price chart
Technical chartScreen technicals →-8.9% 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
- -11.7%
- 3M
- -15.1%
- 6M
- +3.3%
- 1Y
- -8.9%
- 5Y
- +40.9%
52-week range
Day change -₹1.39 (-1.9%) from ₹73 to ₹72 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in IDFCFIRSTB, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong cash conversion — FCF/PAT ratio of 7.41
Concerns1
- Low return on equity of 4.0%
Rule-based from financial data. Not advice.
About the company
IDFC First Bank Limited provides various banking and financial services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments.
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IDFC First Bank Limited provides various banking and financial services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments. The company offers treasury and forex solutions, including correspondent banking, FX, cross-border swift, government bonds and strips, liberalized remittance scheme, and external commercial borrowing solutions, as well as treasury solutions comprising forwards, options, and swaps. It also provides retail lending solutions, such as home loans, vehicle loans, consumer loans, education loans, personal loans, used car loans, gold loans, rural finance, and tractor finance; SME lending solutions that consist of loan against property, business banking, working capital loans, commercial vehicle loans, micro enterprise loans, trade advance, and startup banking; CASA and fixed deposits, which include current accounts, savings accounts, fixed deposits, nostro/vostro accounts, overdrafts, corporate salary accounts, accounts for ONDC, and escrow account; and NRI Banking that comprises NRE accounts, NRO accounts, seafarer accounts, FCNR deposits, and NRE/NRO deposits. In addition, the company offers wealth management and distribution solutions, including distribution of life insurance, general insurance, credit shield, health insurance, mutual funds, and AIFs; credit cards; and FASTag, such as tag issuer, toll acquirer, toll, parking, and fuel solutions. Further, it provides trade finance solutions that consist of letters of credit and discounting, bank guarantee, buyer's credit/SBLC, parking credit in foreign currency and INR, remittances, and pre and post shipment finance; supply chain financing; and transaction banking and CMS solutions. The company was formerly known as IDFC Bank Limited and changed its name to IDFC First Bank Limited in January 2019. IDFC First Bank Limited was founded in 1997 and is headquartered in Mumbai, India.
- Sector
- Financial Services
- Shares outstanding
- 859 Cr shares
- ISIN
- INE092T01019
- BSE code
- 539437
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹71,318 Cr
- P/E
- 48.9x
- P/B
- 1.3x
- Earnings yield
- 2.0%
- 52-week high
- ₹87.89
- 52-week low
- ₹58.82
Profitability
- ROE
- 4.0%
- ROCE
- -1.5%
- Dividend payout
- 0.0%
- Tax rate
- 23.0%
- Other income, % of PBT
- 155.7%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹36,501 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.
- 20.4%
- 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.
- 13.2%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹6,002 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.
- 34.4%
- 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.
- -48.4%
- 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.
- ₹11,328 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.
- 214.7%
- 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.
- ₹2,617 Cr
Solvency and efficiency
- CFO / Net profit
- 3.83
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹36,501 Cr |
| Interest paid | ₹17,210 Cr |
| Expenses | ₹23,593 Cr |
| Financing profit | -₹4,301 Cr |
| Other income | ₹7,022 Cr |
| Depreciation | ₹820 Cr |
| Profit before tax | ₹1,900 Cr |
| Tax and other | ₹375 Cr |
| Net profit | ₹1,525 Cr |
Revenue and net profit
Revenue grew 20.4% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹15,968 Cr | ₹452 Cr |
| FY2022 | ₹17,173 Cr | ₹145 Cr |
| FY2023 | ₹22,728 Cr | ₹2,437 Cr |
| FY2024 | ₹30,322 Cr | ₹2,957 Cr |
| FY2025 | ₹36,501 Cr | ₹1,525 Cr |
Cash flows
FY2025: ₹14,395 Cr from operations, ₹11,300 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹14,061 Cr | ₹11,235 Cr |
| FY2022 | ₹2,604 Cr | -₹280 Cr |
| FY2023 | ₹3,600 Cr | -₹8,369 Cr |
| FY2024 | ₹11,328 Cr | ₹1,536 Cr |
| FY2025 | ₹14,395 Cr | ₹11,300 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹36,501 Cr+20.4%1Y
- Net profit
- ₹1,525 Cr-48.4%1Y
- Cash from operations
- ₹14,395 Cr+27.1%1Y
- Free cash flow
- ₹11,300 Cr+635.7%1Y
- Revenue CAGR, 5Y
- 13.2%
- EBITDA CAGR, 5Y
- 28.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹36,501 Cr | -₹4,301 Cr | — | ₹1,525 Cr | ₹14,395 Cr | ₹11,300 Cr | — | +20.4% | -48.4% |
Monthly returns
Month-by-month returns of IDFCFIRSTB 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 | ₹3.4 L Cr |
| Equity capital | ₹7,322 Cr |
| Reserves | ₹30,756 Cr |
| Deposits | ₹2.5 L Cr |
| Borrowings | ₹38,975 Cr |
| Other liabilities | ₹14,701 Cr |
| Assets | ₹3.4 L Cr |
| Fixed assets | ₹2,596 Cr |
| Capital work in progress | ₹67 Cr |
| Investments | ₹80,716 Cr |
| Other assets | ₹2.6 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
IDFCFIRSTB trades at 48.9x earnings against a peer median of 26.9x (a 82% premium).
Not shown (no positive earnings and no EV / Sales): IndusInd Bank Ltd.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| IDFC FIRST BANK LIMITEDIDFCFIRSTBthis companyP/E ↑ premium | ₹71,318 Cr | 48.9x | 1.3x | 4.0% | — |
| Bajaj Housing Finance LimitedBAJAJHFL | ₹78,507 Cr | 33.2x | 3.7x | — | — |
| AU Small Finance Bank LimitedAUBANK | ₹72,691 Cr | 33.4x | 4.0x | 12.3% | — |
| L&T Finance LimitedLTF | ₹72,200 Cr | 27.0x | 2.8x | 10.3% | 15.4x |
| Yes Bank Ltd.YESBANK | ₹71,482 Cr | 25.5x | 1.5x | 5.0% | — |
| IndusInd Bank Ltd.INDUSINDBK | ₹70,915 Cr | — | 1.1x | 4.1% | — |
| Indian Overseas BankIOB | ₹68,014 Cr | 16.0x | 2.0x | 10.2% | — |
| Bank of IndiaBANKINDIA | ₹67,198 Cr | 6.8x | 0.8x | 11.7% | — |
| General Insurance Corporation of IndiaGICRE | ₹64,377 Cr | 7.6x | 1.0x | 11.6% | 7.0x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
IDFCFIRSTB since 1 January, against earlier years.
Historical volatility
IDFCFIRSTB'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 | -9.0% |
| FY2022 | -16.0% |
| FY2023 | -3.0% |
| FY2024 | -5.0% |
| FY2025 | -12.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹36,501 Cr |
| Costs | |
| Interest | ₹17,210 Cr |
| Expenses | ₹23,593 Cr |
| Financing profitFinancing Profit | -₹4,301 Cr |
| Financing marginFinancing Margin % | -12.0% |
| Other income and charges | |
| Profit before tax | ₹1,900 Cr |
| Tax | |
| Net profitNet Profit | ₹1,525 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹3.4 L Cr |
| Equity capitalEquity Capital | ₹7,322 Cr |
| Reserves | ₹30,756 Cr |
| Deposits | ₹2.5 L Cr |
| BorrowingsBorrowing | ₹38,975 Cr |
| Other liabilitiesOther Liabilities | ₹14,701 Cr |
| AssetsTotal Assets | ₹3.4 L Cr |
| Fixed assetsFixed Assets | ₹2,596 Cr |
| Capital work in progressCWIP | ₹67 Cr |
| Investments | ₹80,716 Cr |
| Other assetsOther Assets | ₹2.6 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹14,395 Cr |
| Investing cash flowCash from Investing Activity | -₹3,095 Cr |
| Financing cash flowCash from Financing Activity | -₹8,682 Cr |
| Change in cashNet Cash Flow | ₹2,617 Cr |
Learn while you research
Academy chapters picked for IDFC FIRST BANK 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 Valuation Multiples ExplainedThis stock trades at a P/E of 48.9, learn when high multiples are justified.6 min read
- 04 Growth Investing20% revenue growth is in the top tier, learn how to value growth.7 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