Operates as a private sector commercial bank earning revenue from four reporting segments — Retail Banking (56.8% of segment revenue), Treasury (31.0%), Wholesale Banking (10.8%) and Other Banking Business (1.2%) — through interest earned on loans and investments, transaction fees and allied charges. Retail Banking houses the bank's mass-retail deposits and lending products such as home loans, vehicle finance, personal loans and microfinance; Treasury books government securities and other fixed-income investments; Wholesale Banking serves corporate and commercial clients; and Other Banking Business captures the remaining fee-based and ancillary lines. The running loan book stands at Rs 3.05 lakh crore (up 20.6% YoY), customer deposits at Rs 3 lakh crore (up 16.6% YoY) and total deposits at Rs 3.12 lakh crore, with a CASA ratio of 50.8% — CASA deposits alone at Rs 1.59 lakh crore. Net interest margin is 5.96% (5.90% adjusted) and the credit-deposit ratio sits at 95.5%. Asset quality has improved, with gross NPA at 1.51%, net NPA at 0.44% and a slippage ratio of 2.49%; credit cost for the quarter was 153 bps. Funding cost — the interest paid on deposits and borrowings — is the principal input cost, alongside operating expenses and provisioning for bad loans; the bank carried a voluntary Rs 515 crore contingency provision in the quarter against macro and geopolitical risks. Capital adequacy (CRAR) is 15.05% with CET1 at 13.33%, and average LCR around 116%. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (57%), Treasury (31%), Wholesale Banking (11%), Other Banking Business (1%), Unallocated (0%). Retail-heavy private sector bank in a growth and turnaround phase, with an improving asset quality profile and a stated ROA target of ~1% for FY27.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 132 | 2,485 | 2,942 | 1,490 | 1,611 |
| EPS, as reported (₹) | 0.21 | 3.98 | 4.30 | 2.04 | 1.89 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 2,679 | 3,563 | 11,543 | 14,465 | 6,817 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 245 | 422 | 344 | 571 | 424 | 611 | 201 | 1,482 |
| Net profit | 212 | 340 | 296 | 453 | 348 | 479 | 331 | 1,148 |
| EPS (₹) | 0.28 | 0.46 | 0.40 | 0.62 | 0.35 | 0.54 | 0.38 | 1.33 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · IDFC First Bank allots 4.87 lakh equity shares under ESOS | capital market events | low | — | — |
| 3 Sept 2026 · IDFC First Bank mobilises USD 3.57 billion from NRIs through FCNR swap window | business updates | high | — | — |
| 2 Sept 2026 · IDFC FIRST Bank AGM: All 7 resolutions passed, equity fundraising approved | board shareholder meetings | medium | — | — |
| 31 Aug 2026 · IDFC First Bank 12th AGM held on Aug 31, 2026 via video conferencing | board shareholder meetings | medium | — | — |
| 27 Aug 2026 · IDFC First Bank gets investment grade ratings from S&P and CareEdge for new notes | credit debt | high | — | — |
| 27 Aug 2026 · IDFC First Bank gets investment grade ratings on new dollar notes | credit debt | medium | — | — |
| 25 Aug 2026 · IDFC First Bank announces investor meet schedule for September 2026 | board shareholder meetings | low | — | — |
| 24 Aug 2026 · IDFC FIRST Bank prices USD 350M 5-year senior notes at 5.80% | fund raising | high | — | — |
| 24 Aug 2026 · IDFC First Bank prices USD 350M 5-year senior notes at 5.8 percent coupon | fund raising | high | — | — |
| 21 Aug 2026 · IDFC First Bank allots 489,934 shares under ESOS exercise | capital market events | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED ◆ | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 33.2 | 12.4 | 19 of 20 | 5% |
| Profit growth | 153.1 | 29.5 | 1 of 20 | 100% |
| Market cap | 74268 | 48154 | 8 of 20 | 63% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
