IDFC First Bank Live BSE/NSE | IDFC First Bank Fundamenta data | IDFC First Bank Balance sheet | IDFC First Bank Quarterly Results | IDFC First Bank Profit & Loss

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

28,478.01
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

82,498.41
N/A
1.62

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

-
46.07
44.99

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
114.37

PAT CAGR (%)

10 Years
5 Years
3 Years

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

-
0.92
1.07

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
24.68
28.35

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 3,800.68 4,018.16 -5.41% 3,831.39 3,793.12 1.01% 3,955.87 3,628.79 9.01% 4,100.17 3,664.08 11.90%
Interest Exp. 2,140.95 2,655.09 -19.36% 2,205.49 2,618.65 -15.78% 2,392.37 2,515.93 -4.91% 2,565.89 2,518.90 1.87%
Net Interest Income 1,659.73 1,363.07 21.76% 1,625.90 1,174.47 38.44% 1,563.50 1,112.86 40.49% 1,534.27 1,145.18 33.98%
NIM 4.57 3.43 33.24% 4.53 3.01 50.50% 4.24 3.03 39.93% 3.86 2.89 33.56%
Other Income 168.44 348.96 -51.73% 484.85 310.45 56.18% 483.77 273.32 77.00% 578.98 260.72 122.07%
Total Income 3,969.12 4,367.12 -9.11% 4,316.24 4,103.57 5.18% 4,439.64 3,902.11 13.78% 4,679.14 3,924.80 19.22%
Operating Exp. 1,485.91 1,294.51 14.79% 1,219.12 1,167.18 4.45% 1,527.50 1,147.58 33.11% 1,431.54 1,141.53 25.41%
Operating Profit 342.26 417.52 -18.03% 891.63 317.74 180.62% 519.77 238.60 117.84% 681.71 264.37 157.86%
Provision 215.85 317.36 -31.99% 764.09 1,280.76 -40.34% 412.38 655.31 -37.07% 2,304.76 168.93 1,264.33%
PBT 126.41 100.16 26.21% 127.55 -963.02 - 107.39 -416.72 - -1,623.05 -2,503.91 -
PBTM 3.33 2.49 33.73% 3.33 -25.39 - 2.71 -11.48 - -39.58 -68.34 -
TAX 25.00 779.66 -96.79% 34.00 -345.67 - 35.85 -198.69 - 15.85 -965.90 -
PAT 101.41 -679.50 - 93.55 -617.36 - 71.54 -218.03 - -1,638.89 -1,538.01 -
PATM 2.67% -16.91% 2.44% -16.28% 1.81% -6.01% -39.97% -41.98%
EPS 0.18 -1.42 - 0.16 -1.29 - 0.15 -0.46 - -3.42 -4.52 -
Gross NPA 1,486.11 2,306.26 -35.56% 1,741.66 2,418.56 -27.99% 2,279.56 2,136.04 6.72% 2,511.36 1,670.85 50.30%
Gross NPA% 1.62 2.62 -38.17% 1.99 2.66 -25.19% 2.60 2.43 7.00% 2.83 1.97 43.65%
Net NPA 390.95 1,010.96 -61.33% 436.59 1,215.13 -64.07% 808.58 1,106.63 -26.93% 1,071.63 796.02 34.62%
Net NPA% 0.43 1.17 -63.25% 0.51 1.35 -62.22% 0.94 1.27 -25.98% 1.23 0.95 29.47%
CASA 40.37 18.70 115.88% 33.74 14.57 131.57% 31.87 11.40 179.56% 24.06 8.68 177.19%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Interest Earned 3,912.89 4,106.07 -4.70% 3,928.29 3,865.71 1.62% 4,069.48 3,697.45 10.06% 4,199.06 3,728.38 12.62%
Interest Exp. 2,140.30 2,654.01 -19.36% 2,205.36 2,617.39 -15.74% 2,391.73 2,514.68 -4.89% 2,565.14 2,517.67 1.89%
Net Interest Income 1,772.59 1,452.06 22.07% 1,722.94 1,248.32 38.02% 1,677.75 1,182.77 41.85% 1,633.92 1,210.71 34.96%
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 168.45 348.20 -51.62% 484.90 311.47 55.68% 483.59 273.37 76.90% 579.15 260.65 122.19%
Total Income 4,081.34 4,454.26 -8.37% 4,413.20 4,177.18 5.65% 4,553.07 3,970.82 14.66% 4,778.21 3,989.03 19.78%
Operating Exp. 1,588.42 1,378.50 15.23% 1,307.33 1,233.92 5.95% 0.00 0.00 0.00 1,521.85 1,193.01 27.56%
Operating Profit 352.62 421.76 -16.39% 900.52 325.87 176.34% 530.81 248.71 113.43% 691.22 278.35 148.33%
Provision 215.85 317.36 -31.99% 764.09 1,280.76 -40.34% 412.68 655.42 -37.04% 2,304.76 167.42 1,276.63%
PBT 136.77 104.40 31.01% 136.43 -954.89 - 118.13 -406.71 - -1,613.54 -2,488.41 -
PBTM 3.50 2.54 37.80% 3.47 -24.70 - 10.75 10.75 0.00% -38.43 -66.74 -
TAX 27.74 780.92 -96.45% 36.35 -343.25 - 41.77 -194.58 - 18.06 -960.98 -
PAT 109.03 -676.52 - 100.08 -611.64 - 76.36 -212.13 - -1,631.60 -1,527.44 -
PATM 2.79% -16.48% 2.55% -15.82% 7.11% 7.11% -38.86% -40.97%
EPS 0.19 -1.19 - 0.18 -1.08 - 0.13 -0.37 - -2.88 -2.69 -
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 6,383.41 5,635.31 3,199.09 1,798.09 2,017.32 847.33 0.00 Interest Earned 15,688.11 15,867.31 11,948.17 8,930.00 8,532.71 3,648.83 0.00 Interest Expended 9,304.70 10,232.00 8,749.08 7,131.91 6,515.39 2,801.50 0.00 Int. income Growth 33.11% 76.15% 77.92% -10.87% 138.08% 0 Other Income 1,716.04 1,722.16 852.08 1,117.89 1,013.12 403.20 0.00 Total Income 17,404.14 7,357.47 4,051.17 2,915.98 3,030.44 1,250.53 0.00 Total Expenditure 5,664.07 9,430.55 4,533.68 1,725.20 1,425.14 494.01 2.59 Employee Cost - 1,527.58 1,118.19 675.97 573.62 256.63 0.00 % Of Sales - 9.63% 9.36% 7.57% 6.72% 7.03% 0 Opt. & Establishment Exp. - 4,198.59 7,581.22 1,140.10 837.70 294.71 2.59 % Of Sales - 26.46% 63.45% 12.77% 9.82% 8.08% 0 Provisions - 4,315.26 1,459.63 236.09 282.50 24.17 0.00 % Of Sales - 27.20% 12.22% 2.64% 3.31% 0.66% 0 EBITDA 2,435.38 -2,073.08 -482.51 1,190.78 1,605.30 756.52 -2.59 EBITDA Margin 63.90% -36.79% -15.08% 66.22% 79.58% 89.28% 0 Depreciation 79.18 305.44 2,812.68 163.48 134.34 40.75 0.00 PBT -1,261.70 -2,378.52 -3,295.19 1,027.30 1,470.96 715.77 -2.59 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 110.70 485.69 -1,351.01 168.00 451.22 248.92 0.00 Tax Rate -8.77% -20.42% 41.00% 16.35% 30.68% 34.78% 0.00% PAT -1,372.39 -2,864.21 -1,944.18 859.30 1,019.74 466.85 -2.58 PAT before Minority Interest -1,372.39 -2,864.21 -1,944.18 859.30 1,019.74 466.85 -2.58 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin -16.94% -38.93% -47.99% 29.47% 33.65% 37.33% 0 PAT Growth -55.05% 0 -326.25% -15.73% 118.43% 0 Unadjusted EPS -2.42 -5.05 -3.43 1.51 1.80 0.82 0.00

Description TTM Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 6,807.19 6,012.05 3,460.78 1,972.51 2,062.81 Interest Earned 16,109.72 16,240.32 12,204.02 9,098.47 8,578.28 Interest Expended 9,302.53 10,228.27 8,743.24 7,125.96 6,515.47 Int. income Growth 33.64% 73.72% 75.45% -4.38% Other Income 1,716.09 1,722.41 852.16 1,119.87 1,019.10 Total Income 17,825.82 7,734.46 4,312.94 3,092.38 3,081.91 Total Expenditure 6,048.12 9,760.35 4,702.19 1,789.01 1,432.24 Employee Cost - 1,795.01 1,279.37 786.38 614.96 % Of Sales - 11.05% 10.48% 8.64% 7.17% Opt. & Establishment Exp. - 4,289.80 7,631.59 1,178.74 853.08 % Of Sales - 26.41% 62.53% 12.96% 9.94% Provisions - 4,315.56 1,431.87 160.31 236.06 % Of Sales - 26.57% 11.73% 1.76% 2.75% EBITDA 2,475.16 -2,025.89 -389.25 1,303.37 1,649.67 EBITDA Margin 62.46% -33.70% -11.25% 66.08% 79.97% Depreciation 82.89 320.01 2,820.32 168.21 135.93 PBT -1,222.21 -2,345.90 -3,209.57 1,135.17 1,513.73 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 Provision for Tax 123.92 497.49 -1,329.55 179.69 450.99 Tax Rate -10.14% -21.21% 41.42% 15.83% 29.79% PAT -1,346.13 -2,843.39 -1,880.02 955.48 1,062.74 PAT before Minority Interest -1,346.13 -2,843.39 -1,880.02 955.48 1,062.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin -15.79% -36.76% -43.59% 30.90% 34.48% PAT Growth -55.54% 0 -296.76% -10.09% Unadjusted EPS -2.37 -5.01 -3.31 1.68 1.87

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 15,342.60 18,159.26 15,256.54 14,678.05 13,632.55 -2.53 Share Capital 4,809.90 4,781.68 3,404.07 3,399.01 3,392.62 0.05 Total Reserves 10,532.70 13,377.58 11,852.46 11,277.97 10,236.61 -2.58 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 65,107.97 70,479.01 48,198.20 40,208.22 8,219.05 0.00 Borrowings 57,397.19 69,983.39 57,287.07 50,262.19 57,159.83 0.00 Other Liabilities & Provisions 11,352.64 8,563.20 5,778.37 7,011.20 4,204.44 2.59 Total Liabilities 149,200.40 167,184.86 126,520.18 112,159.66 83,215.87 0.06 Net Block 964.66 916.59 780.74 781.18 643.64 0.00 Gross Block 4,545.27 4,214.23 1,183.54 1,024.46 759.33 0.00 Accumulated Depreciation 3,580.61 3,297.63 402.80 243.28 115.69 0.00 Total Non-Current Assets 136,228.45 155,294.66 119,042.35 105,761.93 79,004.80 0.05 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 73.07 33.61 3.39 5.37 29.21 0.00 Cash and balance with RBI 3,379.92 4,149.53 3,050.86 3,036.29 1,900.84 0.00 Balance with banks and money at call 810.86 5,417.25 1,840.94 2,065.71 1,003.07 0.05 Investments 45,404.58 58,475.39 61,201.53 50,471.70 29,728.61 0.00 Advances 85,595.36 86,302.29 52,164.89 49,401.68 45,699.43 0.00 Other Assets 12,971.95 11,890.21 7,477.83 6,397.73 4,211.07 0.00 Total Assets 149,200.40 167,184.87 126,520.18 112,159.66 83,215.87 0.05 Contingent Liabilities 280,676.08 299,910.63 215,689.88 203,611.23 72,936.70 0.00 Bills for collection 914.95 454.37 554.50 0.00 0.00 0.00 Adjusted Book Value 31.90 37.98 44.82 43.18 40.17 -506.98

Description Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 15,403.52 18,199.36 15,274.11 14,677.33 Share Capital 4,809.90 4,781.68 3,404.07 3,399.01 Total Reserves 10,593.62 13,417.69 11,870.03 11,277.25 Minority Interest 0.00 0.00 0.00 0.00 Deposits 65,078.94 70,353.59 48,039.44 40,097.83 Borrowings 57,397.19 69,983.39 57,287.07 50,262.19 Other Liabilities & Provisions 11,278.90 8,562.59 5,781.38 7,026.97 Total Liabilities 149,158.55 167,098.93 126,382.00 112,064.32 Net Block 998.77 939.93 796.87 792.95 Gross Block 4,612.82 4,260.75 1,218.67 1,076.70 Accumulated Depreciation 3,614.05 3,320.82 421.80 283.75 Total Non-Current Assets 136,005.85 155,047.71 118,746.39 105,504.79 Lease Adjustment A/c 0.00 0.00 0.00 0.00 Capital Work in Progress 74.46 34.11 3.39 5.92 Cash and balance with RBI 3,348.42 4,100.93 3,021.10 2,995.14 Balance with banks and money at call 814.42 5,425.22 1,855.72 2,144.99 Investments 45,174.42 58,245.23 60,904.42 50,164.11 Advances 85,595.36 86,302.29 52,164.89 49,401.68 Other Assets 13,152.69 12,051.22 7,635.61 6,559.52 Total Assets 149,158.54 167,098.93 126,382.00 112,064.31 Contingent Liabilities 280,678.92 299,918.85 215,695.09 203,700.05 Bills for collection 914.95 454.37 554.50 0.00 Adjusted Book Value 32.02 38.06 44.87 43.18

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 10,926.81 17,293.38 -5,946.64 14,246.53 -13,033.62 0.00 PBT -2,378.52 -3,295.19 1,027.30 1,470.96 715.76 -2.59 Adjustment 4,749.57 4,407.08 514.24 451.51 71.87 0.00 Adjustments for Liabilities & Assets 8,684.50 16,104.01 -7,148.23 12,561.51 -13,590.28 2.59 Refund/(Payment) of direct taxes -128.74 77.47 -339.94 -237.44 -230.97 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -3,764.15 -1,282.47 -1,007.62 -5,074.42 7,171.08 0.00 Net Fixed Assets -370.50 -3060.91 -157.10 -241.29 -788.54 Other Investment Activity -5900.81 -5255.46 -6261.35 6141.25 -788.54 Cash from Financing Activity -12,538.66 -12,206.55 6,744.07 -6,974.02 7,474.91 0.05 Closing Cash & Equivalent 4,190.79 9,566.78 4,891.80 5,102.00 2,903.91 0.05 Net Cash Inflow / Outflow -5,375.99 3,804.36 -210.20 2,198.09 1,612.38 0.05 Opening Cash & Equivalents 9,566.78 4,891.80 5,102.00 2,903.91 0.05 0.00

Description Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 10,965.54 17,363.78 -5,977.82 14,128.15 PBT -2,345.89 -3,237.43 1,059.61 1,469.68 Adjustment 4,764.24 4,414.80 518.70 450.68 Adjustments for Liabilities & Assets 8,696.55 16,132.88 -7,207.66 12,451.93 Refund/(Payment) of direct taxes -149.36 53.54 -348.47 -244.15 Other Direct Payments 0.00 0.00 0.00 0.00 Cash From Investing Activity -3,790.19 -1,364.74 -1,027.28 -4,917.90 Net Fixed Assets -370.50 -3060.91 -157.10 Other Investment Activity -5983.08 -5275.12 -6104.83 Cash from Financing Activity -12,538.66 -12,220.31 6,741.79 -6,974.02 Closing Cash & Equivalent 4,162.84 9,526.15 4,876.82 5,140.13 Net Cash Inflow / Outflow -5,363.31 3,778.72 -263.31 2,236.22 Opening Cash & Equivalents 9,526.15 4,876.82 5,140.13 2,903.91

Financial Ratios

Standalone /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 31.90 37.98 44.82 43.18 40.17 -506.98 NIM 4.17 2.07 1.52 1.92 1.08 0.00 Yield on Advances 18.54 13.84 17.12 17.27 7.98 0.00 Yield on Investments 9.49 6.73 7.25 7.63 5.33 0.00 Cost of Liabilities 8.35 6.23 6.76 7.20 4.29 0.00 Interest Spread 10.19 7.62 10.36 10.07 3.70 0.00 ROCE 3.91% 1.93% 8.03% 9.83% 9.76% 0.00% Cost Income Ratio 73.68 145.31 56.67 42.14 40.83 0.00 Core Cost Income Ratio 77.81 146.49 65.55 51.79 56.74 0.00 Operating Costs to Assets 3.63 3.52 1.31 1.14 0.61 5090.16 Loans/Deposits 0.88 0.99 1.19 1.25 6.95 0.00 Cash/Deposits 0.05 0.06 0.06 0.08 0.23 0.00 Investment/Deposits 0.70 0.83 1.27 1.26 3.62 0.00 Inc Loan/Deposits 88.16% 99.30% 118.86% 125.00% 695.46% 0.00% Credit Deposits 131.47% 122.45% 108.23% 122.86% 556.02% 0.00% Interest Expended / Interest earned 64.48% 73.23% 79.86% 76.36% 76.78% 0.00% Interest income / Total funds 10.63% 7.15% 7.06% 7.61% 4.38% 0.00% Interest Expended / Total funds 6.86% 5.23% 5.64% 5.81% 3.37% 0.00% CASA 32.16% 12.93% 11.85% 5.21% 5.42% 0.00%

Description Mar 20 Mar 19 Mar 18 Mar 17
Book Value 32.02 38.06 44.87 43.18 NIM 4.46 2.25 1.67 1.97 Yield on Advances 18.97 14.14 17.44 17.36 Yield on Investments 9.54 6.76 7.28 7.68 Cost of Liabilities 8.35 6.23 6.77 7.21 Interest Spread 10.62 7.91 10.68 10.15 ROCE 3.94% 2.04% 8.19% 10.34% Cost Income Ratio 74.53 141.22 58.11 43.22 Core Cost Income Ratio 78.50 142.29 66.59 52.92 Operating Costs to Assets 3.86 3.64 1.42 1.19 Loans/Deposits 0.88 0.99 1.19 1.25 Cash/Deposits 0.05 0.06 0.06 0.07 Investment/Deposits 0.69 0.83 1.27 1.25 Inc Loan/Deposits 88.20% 99.47% 119.25% 125.35% Credit Deposits 131.53% 122.67% 108.59% 123.20% Interest Expended / Interest earned 62.98% 71.64% 78.32% 75.95% Interest income / Total funds 10.89% 7.30% 7.20% 7.65% Interest Expended / Total funds 6.86% 5.23% 5.64% 5.81% CASA 32.16% 12.87% 11.79% 5.06%

IDFC First Bank Ltd.

Bank - Private

BSE: 539437 | NSE: IDFCFIRSTB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Annual Reports:

News Update

IDFC First Bank Ltd.

Bank - Private

BSE: 539437 | NSE: IDFCFIRSTB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Annual Reports:

News Update