What the business is, and whether it's a good one at a fair price.
Lends against gold jewellery and against property to retail customers, operating a twin-engine model. Gold Loans are the larger engine — AUM of ₹11,191 cr in Q1 FY27, up 77% YoY, including a doorstep-gold offering of ₹1,787 cr (up 96.5% YoY) and a loan-book LTV of 67.9%. Loan-Against-Property and mortgages form the second engine at ₹9,777 cr AUM, up 14% YoY. The combined AUM is ₹21,136 cr, supported by 757 branches with AUM per branch of ₹17.7 cr; Q1 FY27 disbursements totalled ₹6,760 cr. Wholesale finance is being wound down — segment revenue was effectively nil on the half-year basis, and distribution fees (1.9% of segment revenue) are a small supplementary stream. Employee costs are the largest operating expense at 20.0% of FY26 revenue, with other operating expenses at 12.3%; cost of borrowings runs at 7.80% (Q1 FY27) against yields of 15.7% on the loan book, giving spreads of 8.5%. Asset quality is tight — GNPA 1.6%, NNPA under 1.0%, credit cost 0.8% — reflecting the secured nature of the book, with CRAR at 20.71%.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from FEDBANK FINANCIAL SER L's filed financials and exchange disclosures
FEDBANK FINANCIAL SER L is a Finance company listed on NSE and BSE, trading under the symbol FEDFINA.
Yes. Over the trailing twelve months FEDBANK FINANCIAL SER L reported a net profit of ₹383 Cr on revenue of ₹2,377 Cr.
Not in the latest reported year — FEDBANK FINANCIAL SER L's dividend payout for FY26 was nil.
Effectively yes. It holds ₹1,340 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, FEDBANK FINANCIAL SER L ranks 97 of 212 in Non Banking Financial Company (NBFC) — cheaper than 55% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session FEDBANK FINANCIAL SER L moves 1.52% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by FEDBANK FINANCIAL SER L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
