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Fedbank Financial Services

FEDFINA
Small Cap
(%) 1D
1D1W1M3M6M1YMAX

Investor Sentiment

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Fedbank Financial Services Share price and Fundamental Analysis

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Fedbank Financial Services Ltd (FFS) was incorporated on 17th April 1995 and a subsidiary of The Federal Bank Ltd. The Company was registered as a Non banking Financial Company(NBFC) on 24th August 2010. The Company is into the business of lending mainly against Gold and Property, Wholesale Lending and also distributes retail loan/insurance products for a fee. The Company currently operates through 99 locations mainly spread across South India, 8 locations of Distribution vertical shared between LAP and Wholesale Lending business.
Company Incorporation1995
ChairmanK Balakrishnan
Head QuartersMumbai
Previous NameNA

Key Metrics

Market Cap (Cr)
4,382.4
PE Ratio
19.45
Industry P/E
31.37
PEG Ratio
-2.2
ROE
8.84%
ROCE
8.9%
ROA
1.7%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
6.04
Book Value & P/B
68.3 x 1.72
Face Value
10
Outstanding Shares(Cr)
37.3
Current Ratio
EV to Sales
6.87

Included In

S&P BSE Small-CapIndex
S&P BSE Allcap IndexIndex

Stock Returns

1 Week+4.28%
1 Month+27.73%
6 Months+7.08%
1 Year-3.95%
3 Years-16.21%
5 Years-16.21%

CAGR

1 Year CAGR

Revenue Growth

+33.8%

Net Profit Growth

+35.84%

Financing Profit Growth

+24.05%

Dividend Growth

N/A

Stock Returns CAGR

-5.21%
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Smart Score

2.4
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Research Report

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Corporate Action

Board-Meetings
Board-Meetings
Dividends
Bonus
Splits
Right-issues
AGM-EGM
Bulk-Deal
Block-Deal

Financials

Half Yearly Statement

PARTICULARS

Total Revenue

Total Expenses

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Operating Profit

Interest

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Adj EPS in Rs - Basic

Adj EPS in Rs - Diluted

Profit and Loss Statement

No data
Credit Rating
Director Report
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Auditor Report

Cashflow Statement

No data
Mar 25

Promoters : 61.03%

FIIs : 0.49%

DIIs : 20.81%

Public : 17.67%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
Promoter Shareholding Decreased by 0.01% to 61.03% in March 2025 Qtr
FII Shareholding Decreased by 0.03% to 0.49% in March 2025 Qtr
DII Shareholding Decreased by 0.55% to 20.81% in March 2025 Qtr

Top Shareholders

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Key Ratios

Profitability
Valuation
Liquidity

ROE

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ROCE

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ROA

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NPM

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Dividend History

No data

Fedbank Financial Services Competitors

Sector
Industry

Company Name

MCap(TTM)

PE(TTM)

P/B(TTM)

ROE(TTM)

D/E

Current Ratio(TTM)

No data

5 Year FactSheet

Profitability
Profitability
Growth Ratios
Valuation Ratios
Cashflow Ratios
Debt and Liquidity
Efficiency Ratios
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Documents

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Fedbank Financial Services Management and History

Company Management

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Company History

Fedbank Financial Services Ltd (FFS) was incorporated on 17th April 1995 and a subsidiary of The Federal Bank Ltd. The Company was registered as a Non banking Financial Company(NBFC) on 24th August 2010. The Company is into the business of lending mainly against Gold and Property, Wholesale Lending and also distributes retail loan/insurance products for a fee. The Company currently operates through 99 locations mainly spread across South India, 8 locations of Distribution vertical shared between LAP and Wholesale Lending business.

At present, the Company is a diversified NBFC; offering multiple credit facilities cover a gamut of SME-focused mortgage loans, loans against pledge of gold ornaments and structured finance. Company also distributes loan products of The Federal Bank Ltd.

During FY 2017, the Company began doing business in new markets such as Surat, Bangalore and Chennai for its SME focused mortgage loans to quickly establish a good foothold. The gold loan business showed a good turnaround with most branches turning profitable at the operating level and contributing to healthy NIM. On the liabilities side, it diversified credit lines from multiple reputed lenders.

In 2018, the Company raised fully hedged Foreign Currency Debt to reduce the cost of borrowing. It opened 15 new branches It broad based the capital structure, through True North fund VI LLP, a leading Private Equity firm, which infused equity of Rs 169 Crore in November, 2018.

In 2019, the Company further opened 25 branches, which increased the network to 137 branches across 4 States viz., Andhra Pradesh, Telangana, Tamil Nadu and Karnataka. Similarly, for Mortgages, it opened 8 more markets, in locations like Vapi, Daman, Silvasa, Valsad, Hyderabad & Guntur taking out count of sourcing locations to more than 30.

With the opening of 144 branches in FY 20, the network increased to 300 branches. The Company opened 60 branches in FY 2020-21, resulting the network increased to 360 branches. With the opening of 156 branches in FY 2021-22, the network increased to 516 branches as on March 31, 2022. The Company increased the footprint by opening of 59 branches in FY 22-23, and resulting to this, the branch network counted to 575 branches as on March 31, 2023.

Fedbank Financial Services Share Price

Fedbank Financial Services share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Fedbank Financial Services Market Cap

Market capitalization of Fedbank Financial Services indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Fedbank Financial Services is valued compared to its competitors.

Fedbank Financial Services PE Ratio

Fedbank Financial Services PE ratio helps investors understand what is the market value of each stock compared to Fedbank Financial Services 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Fedbank Financial Services PEG Ratio

The PEG ratio of Fedbank Financial Services evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Fedbank Financial Services ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Fedbank Financial Services generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Fedbank Financial Services ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Fedbank Financial Services in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Fedbank Financial Services Total Debt

Total debt of Fedbank Financial Services shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Fedbank Financial Services Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Fedbank Financial Services compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Fedbank Financial Services CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Fedbank Financial Services over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Fedbank Financial Services Technical Analysis

Technical analysis of Fedbank Financial Services helps investors get an insight into when they can enter or exit the stock. Key components of Fedbank Financial Services Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Fedbank Financial Services shares often struggle to rise above due to selling pressure.

Fedbank Financial Services Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Fedbank Financial Services ’s financial health and profitability.

Fedbank Financial Services Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Fedbank Financial Services Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Fedbank Financial Services Financials

The financials of Fedbank Financial Services provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Fedbank Financial Services Profit and Loss Statements

The profit and loss statement of Fedbank Financial Services highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Fedbank Financial Services .

Fedbank Financial Services Balance Sheet

The balance sheet presents a snapshot of Fedbank Financial Services ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Fedbank Financial Services Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Fedbank Financial Services Net Interest Margin (NIM)

Fedbank Financial Services Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Fedbank Financial Services Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Fedbank Financial Services Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Fedbank Financial Services Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Fedbank Financial Services Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Fedbank Financial Services CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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