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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The Federal Bank Limited (the Bank) is a banking company. The Bank is engaged in providing banking and financial services, including commercial banking, retail and corporate banking, project and corporate finance, working capital finance, insurance and treasury products and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, priced for perfection.
Federal Bank is scored on the bank / lender framework. It keeps a healthy 13.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 19%/yr and profit at 12%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 12.6%. In the latest quarter profit grew 21% versus the prior quarter.
At 19× earnings, the stock sits at the 95th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~6%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 15.57 | 9.9 | worse |
| P/B | 2.04 | 1.39 | worse |
| ROE | 12.58 | 9.98 | better |
| ROA | 1.15 | 0.92 | better |
| NIM | 3.13 | 4.25 | worse |
| Net NPA | 0.2 | 0.79 | better |
| CASA | 32.94 | 30.48 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 19% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (19% vs 12%) — costs are rising faster than the top line.
Operating margin has compressed from 21% to 17% — costs or competition are eating into profitability. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (12% vs 6%) — share dilution is eroding per-share value. 6% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Investing outflows exceed operating cash — the company relies on external funding to finance expansion. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 11% sequentially — momentum is building.
Profit jumped 21% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (13% → 16%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.