ScoreWhy is Federal Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 1.83%
2
Strong Long Term Fundamental Strength with a 21.26% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 21.26%
4
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 198.91 cr has Fallen at -55.11%
- PAT(Q) At Rs 955.26 cr has Fallen at -9.6%
- NON-OPERATING INCOME(Q) is 84.47 % of Profit Before Tax (PBT)
5
With ROA of 1.1, it has a Expensive valuation with a 1.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.69%, its profits have fallen by -4.4%
6
High Institutional Holdings at 75.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Consistent Returns over the last 3 years
- Along with generating 19.69% returns in the last 1 year, the stock has outperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Federal Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Federal Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Federal Bank
58.1%
0.86
23.02%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.70%
Net Profit Growth (5y)
22.43%
Advance to Deposit
82.04%
Capital Adequacy Ratio (Tier 1)
13.36%
Gross NPA (latest)
1.72%
Gross NPA (avg)
2.29%
Coverage Ratio (avg)
72.07%
Cost to Income (avg)
53.15%
Net Interest Margin (avg)
3.19%
Operating Profit to Assets (avg)
4.08%
ROA (avg)
1.12%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Price to Book Value
2.01
PEG Ratio
NA
Dividend Yield
0.42%
ROE (Latest)
11.09%
ROA (Latest)
1.09%
Net NPA to Book Value
3.05
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA(Q)
Lowest at 1.72%
NII(Q)
Highest at Rs 2,652.73 cr
INTEREST EARNED(Q)
Highest at Rs 6,867.50 cr
PAT(Q)
Highest at Rs 1,041.21 cr.
EPS(Q)
Highest at Rs 4.23
NET NPA(Q)
Lowest at 0.42%
-3What is not working for the Company
PBT LESS OI(Q)
At Rs 296.66 cr has Fallen at -17.81%
NON-OPERATING INCOME(Q)
is 78.76 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Federal Bank
Gross NPA - Quarterly
Lowest at 1.72%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,652.73 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 6,867.50 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,041.21 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 4.23
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Federal Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 296.66 cr has Fallen at -17.81%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 78.76 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
