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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.
IDFC FIRST Bank Limited (the Bank) is a universal bank. The Bank offers end-to-end corporate banking, trade finance, such as issuance of LCs & BGs, SBLC, packing credit, pre-shipment and post-shipment finance, including risk hedging solutions like forwards, swaps, options,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection — but flagged on governance.
IDFC First Bank is scored on the bank / lender framework. It keeps a thin 3.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 21%/yr and profit at -14%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is a weak 6.1%. In the latest quarter profit fell 9% versus the prior quarter.
At 41× earnings, the stock sits at the 87th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~10%/yr earnings growth for a decade. The forensic screen raises a red flag: Share count up 36% over 4 years — heavy equity dilution.
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 | 22.13 | 10.03 | worse |
| P/B | 1.35 | 1.4 | better |
| ROE | 6.06 | 9.98 | worse |
| ROA | 0.44 | 0.92 | worse |
| NIM | 5.7 | 4.25 | better |
| Net NPA | 0.48 | 0.79 | better |
| CASA | 49.8 | 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. 21% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (21% vs -13%) — costs are rising faster than the top line.
Operating margin has compressed from 12% to 4% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (-13% vs -22%) — share dilution is eroding per-share value. -22% 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. Cash conversion at 4.2× PAT — earnings are well-backed by cash; strong accrual quality. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 6% sequentially — momentum is building. Run-rate stepping up — recent quarters average 12% above earlier ones.
Quarterly net margins are expanding (4% → 7%) — 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.
MF holding up 2.6pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
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.