IDFC First Bank Limited offers retail banking, consumer finance, SME lending, corporate banking, and digital financial services. The bank has strategically shifted toward retail-focused lending supported by technology-driven customer acquisition. Growth in low-cost deposits and granular loan portfolios enhances long-term profitability. Digital innovation continues to improve customer experience and operational efficiency. Financial inclusion and rising credit demand remain major growth drivers.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Beta |
|---|---|---|---|---|---|---|---|---|---|
| ₹65,756 cr | ₹41,958 cr | ₹2,305 cr | 29.4 | 2.60 | 1.39 | 3.8% | 4.2% | 0.43% | 1.23 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 11,051 | 1,148 | 1.33 | +114.5% | +14.6% | 10.4% |
| Mar 2026 | 10,553 | 331 | 0.38 | -5.0% | +12.1% | 3.1% |
| Dec 2025 | 10,417 | 479 | 0.54 | +17.4% | +11.5% | 4.6% |
| Sep 2025 | 9,937 | 348 | 0.35 | +25.0% | +10.9% | 3.5% |
| Jun 2025 | 9,642 | 454 | 0.62 | -31.9% | +9.7% | 4.7% |
| Mar 2025 | 9,413 | 296 | 0.40 | -61.5% | +14.5% | 3.1% |
| Dec 2024 | 9,343 | 340 | 0.46 | -55.8% | +18.6% | 3.6% |
| Sep 2024 | 8,957 | 212 | 0.28 | -75.0% | +21.8% | 2.4% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✓ Pass |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✓ Pass |
| Annual EPS up 25%+ in each of the last 2 years | — Not assessable |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✗ Close above the 150- and 200-day averages ✗ 150-day above 200-day ✗ 200-day rising for a month ✓ 50-day above the 150- and 200-day ✗ Close above the 50-day ✓ At least 25% above the 52-week low · low 58.85 ✓ Within 25% of the 52-week high · high 87.90 ✗ RS percentile 70 or more · RS 60 Trend template - the gate, measured: a modest 21-day edge. | 3/8 | 3 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 2 - advancing | |
| CAN SLIM | ✓ C latest quarter EPS up 25%+ — A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✓ N within 15% of the 52-week high · high 87.90 ✗ S more volume on up days than down days (50 sessions) · 0.73x ✗ L RS percentile 80 or more · RS 60 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 3/5 | Average |
| Darvas | ✓ Box top confirmed (3 sessions below the new high) · top 89.61 ✗ Box bottom confirmed (3 sessions holding) · bottom 77.94 ✗ Close above the box top · close 76.33 ✗ Volume at least 1.5x its 50-day average · 0.7x Nicolas Darvas's box: buy the breakout above a confirmed box after a new high. | 49/100 | In box |
| Turtle | ✗ Close above the prior 55-session high · 89.61 ✗ Close above the prior 20-session high · 89.61 ✓ Close below the prior 20-session low · 77.94 Donchian channel breakout - the Turtle traders' entry. | Breakdown | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✗ Price at or below the Graham number · Graham number 56.68 ✗ P/E 15 or less · P/E 29.4 ✓ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 1.39 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 74/100 | Fair |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IDFCFIRSTB this stock | -11.2 | -6.7 | +13.1 | +6.2 | -15.9 | +57.1 | 29.4 | 1.39 | 3.8 | — | 0.43 | — | — | 65,756 | 41,958 | 2,305 | 2.6 | 1.23 |
| TMB | -3.1 | +7.7 | +30.8 | +97.9 | +50.7 | — | 9.5 | 1.36 | 14.0 | — | 1.89 | — | — | 13,750 | 6,096 | 1,444 | 91.2 | 1.33 |
| FEDERALBNK | +4.8 | -0.5 | +18.5 | +64.3 | +137.6 | +275.7 | 16.6 | 1.96 | 11.7 | — | 1.18 | — | — | 86,260 | 31,552 | 5,379 | 21.1 | 0.85 |
| DCBBANK | -3.6 | +10.8 | +8.7 | +63.0 | +73.8 | +123.7 | 8.5 | 1.04 | 12.0 | — | 0.89 | — | — | 6,776 | 7,575 | 788 | 24.6 | 1.49 |
| KARURVYSYA | +11.4 | +22.9 | +34.7 | +62.7 | +200.8 | +791.7 | 12.1 | 2.32 | 19.3 | — | 1.96 | — | — | 35,773 | 11,983 | 2,958 | 30.6 | 1.22 |
| ESAFSFB | +10.6 | +22.4 | +81.4 | +54.1 | — | — | — | 1.26 | -8.9 | — | -0.57 | — | — | 2,236 | — | — | -0.1 | 0.79 |
| MAHABANK | -3.1 | +0.6 | +7.2 | +41.8 | +77.0 | +275.7 | 8.3 | 1.87 | 22.7 | — | 1.76 | — | — | 62,271 | 30,262 | 7,448 | 9.8 | 1.39 |
| CUB | -2.0 | +2.6 | +15.9 | +40.4 | +122.5 | +85.1 | 16.3 | 2.17 | 13.2 | — | 1.52 | — | — | 22,882 | 7,249 | 1,403 | 14.2 | 1.13 |
| J&KBANK | -4.9 | -23.5 | +6.2 | +33.2 | +24.2 | +259.1 | 6.7 | 0.93 | 15.4 | — | 1.32 | — | — | 15,347 | 13,429 | 2,307 | 20.9 | 1.34 |
| UNIONBANK | +2.3 | +2.7 | -4.5 | +32.2 | +76.3 | +298.0 | 6.7 | 1.03 | 15.2 | — | 1.21 | — | — | 1.38L | 1.08L | 20,012 | 27.1 | 1.31 |
| UJJIVANSFB | -2.8 | -3.7 | +10.1 | +29.7 | +9.1 | +176.6 | 10.7 | 1.64 | 10.7 | — | 1.32 | — | — | 12,331 | 7,809 | 1,149 | 5.9 | 1.52 |