NSE / BSEFinancial Services
β‚Ή85.76+0.89+1.05%
P/E48.9Mkt Capβ‚Ή71.32 K CrEV/EBITDA0.0

IDFC FIRST BANK LIMITED

P/E48.9Mkt Capβ‚Ή71.32 K CrEV/EBITDA0.0
Company Profile

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.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
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P/B Ratio
0.0x
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EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
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Returns

ROE
0.0%
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ROCE
0.0%
β€”
ROIC %
β€”
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ROA
0.0%
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Dividend Payout
0.0%
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Solvency

Current Ratio
0.0x
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Debt / Equity
β€”
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Debt / Assets
0.0x
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CFO / Net Profit
0.0x
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Interest Coverage
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AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 21.27% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+11.4%); Mar the lowest (-7.8%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-2.4%Negative MonthJan 2026: -2.42%-12.1%Negative MonthFeb 2026: -12.05%-20.0%Negative MonthMar 2026: -19.95%+18.4%Positive MonthApr 2026: +18.40%+2.6%Positive MonthMay 2026: +2.56%+11.3%Positive MonthJun 2026: +11.34%+7.8%*Positive MonthJul 2026: +7.85%β€”β€”β€”β€”β€”
2025+0.1%Neutral MonthJan 2025: +0.14%-7.6%Negative MonthFeb 2025: -7.59%-6.0%Negative MonthMar 2025: -5.97%+18.1%Positive MonthApr 2025: +18.09%+4.8%Positive MonthMay 2025: +4.84%+7.0%Positive MonthJun 2025: +7.04%-5.6%Negative MonthJul 2025: -5.60%-1.1%Neutral MonthAug 2025: -1.08%+2.6%Positive MonthSep 2025: +2.57%+17.2%Positive MonthOct 2025: +17.23%-2.0%Negative MonthNov 2025: -2.01%+6.9%Positive MonthDec 2025: +6.85%
2024-5.2%Negative MonthJan 2024: -5.21%-3.9%Negative MonthFeb 2024: -3.87%-6.9%Negative MonthMar 2024: -6.93%+9.0%Positive MonthApr 2024: +8.97%-7.0%Negative MonthMay 2024: -6.98%+7.5%Positive MonthJun 2024: +7.48%-7.5%Negative MonthJul 2024: -7.50%-2.8%Negative MonthAug 2024: -2.82%+0.7%Neutral MonthSep 2024: +0.70%-11.3%Negative MonthOct 2024: -11.31%-2.9%Negative MonthNov 2024: -2.90%-1.4%Neutral MonthDec 2024: -1.39%
2023-1.1%Neutral MonthJan 2023: -1.11%-5.2%Negative MonthFeb 2023: -5.16%-0.2%Neutral MonthMar 2023: -0.24%+11.9%Positive MonthApr 2023: +11.90%+16.0%Positive MonthMay 2023: +16.05%+11.1%Positive MonthJun 2023: +11.13%+9.8%Positive MonthJul 2023: +9.81%+7.1%Positive MonthAug 2023: +7.05%+2.3%Positive MonthSep 2023: +2.35%-13.4%Negative MonthOct 2023: -13.42%+3.1%Positive MonthNov 2023: +3.10%+4.2%Positive MonthDec 2023: +4.25%
2022-3.2%Negative MonthJan 2022: -3.21%-9.9%Negative MonthFeb 2022: -9.94%-5.9%Negative MonthMar 2022: -5.93%-0.3%Neutral MonthApr 2022: -0.25%-8.2%Negative MonthMay 2022: -8.22%-13.4%Negative MonthJun 2022: -13.36%+19.4%Positive MonthJul 2022: +19.40%+30.8%Positive MonthAug 2022: +30.76%+1.3%Neutral MonthSep 2022: +1.32%+12.8%Positive MonthOct 2022: +12.76%+4.5%Positive MonthNov 2022: +4.46%+0.3%Neutral MonthDec 2022: +0.34%
2021β€”β€”β€”β€”β€”-8.4%Negative MonthJun 2021: -8.37%-4.1%Negative MonthJul 2021: -4.06%-17.5%Negative MonthAug 2021: -17.50%+11.1%Positive MonthSep 2021: +11.07%+4.0%Positive MonthOct 2021: +3.99%-10.0%Negative MonthNov 2021: -9.99%+8.4%Positive MonthDec 2021: +8.41%
AvgΒ±SD-2.4%Β±1.8%-7.7%Β±3.0%-7.8%Β±6.5%+11.4%Β±6.9%+1.6%Β±8.8%+2.5%Β±9.7%+3.3%Β±9.8%+3.3%Β±15.9%+3.6%Β±3.8%+1.9%Β±12.4%-1.5%Β±5.1%+3.7%Β±3.7%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.002x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή36.50 K Crβ–² 20.4%
EBITDA Growthβ€”
Net Profitβ‚Ή1.52 K Crβ–Ό 48.4%
Cash from Ops (CFO)β€”β–² 27.1%
Free Cash Flow (FCF)β€”β–Ό 284.6%
Revenue CAGR 5Y13.2%
EBITDA CAGR 5Y28.4%
Net Profit CAGR 5Y0.0%
NP Growth 1Y-48.4%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή36.50 K Crβ€”β‚Ή1.52 K Crβ€”β€”β€”20.4%-48.4%
Mar 2024β‚Ή30.32 K Crβ€”β‚Ή2.96 K Crβ€”β€”β€”33.4%21.3%
Mar 2023β‚Ή22.73 K Crβ€”β‚Ή2.44 K Crβ€”β€”β€”32.3%1580.7%
Mar 2022β‚Ή17.17 K Crβ€”β‚Ή145.00 Crβ€”β€”β€”7.5%-67.9%
Mar 2021β‚Ή15.97 K Crβ€”β‚Ή452.00 Crβ€”β€”β€”-2.1%-115.8%
Mar 2020β‚Ή16.31 K Crβ€”β‚Ή-2864.00β€”β€”β€”36.5%47.3%
Mar 2019β‚Ή11.95 K Crβ€”β‚Ή-1944.00β€”β€”β€”33.8%-326.3%
Mar 2018β‚Ή8.93 K Crβ€”β‚Ή859.00 Crβ€”β€”β€”4.7%-15.8%
Mar 2017β‚Ή8.53 K Crβ€”β‚Ή1.02 K Crβ€”β€”β€”133.8%118.4%
Mar 2016β‚Ή3.65 K Crβ€”β‚Ή467.00 Crβ€”β€”β€”β€”-15666.7%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2015 6mMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue03,6498,5338,93011,94816,30815,96817,17322,72830,32236,50138,335
Finance Costs02,8026,5157,1328,74910,2328,5887,46710,09213,87217,21018,480
Total Expenses34941,4251,7254,5349,8718,78612,38013,41017,97923,59325,858
Financing Profit-335359273-1,335-3,795-1,406-2,674-775-1,528-4,301-6,003
Financing Margin %-10%7%1%-11%-23%-9%-16%-3%-5%-12%-16%
Other Income04031,0131,1188521,7222,2113,2224,4676,0027,0227,794
Depreciation & Amortisation0411341632,8133053293734256188200
Profit Before Tax-37161,4711,027-3,295-2,3794761753,2673,8551,9001,791
Tax %0%35%31%16%-41%20%5%17%25%23%20%-
Net Profit / PAT-34671,020859-1,944-2,8644521452,4372,9571,5251,458
EPS (β‚Ή)-5161.3832.52-4.07-5.950.800.233.684.182.081.99
Dividend Payout %0%18%25%30%0%0%0%0%0%0%12%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
IDFC FIRST BANK LIMITEDthis co.β‚Ή71.32 K Crβ‚Ή36.50 K Cr48.901.320.0020.4%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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