IDFC First Bank Limited
IDFC First Bank Limited operates in Private Sector Bank, part of the Financial Services sector. It booked ₹11,923 cr of revenue in its latest quarter (Q2 FY27) and kept 8.8% of sales as profit. It is the 8th largest of 9 Private Sector Bank companies we track, by market value.
| Segment | FY21 | FY22 | FY25 | FY26 | Share |
|---|---|---|---|---|---|
| Retail Banking | 14,954 | 18,106 | 47,313 | 53,883 | 47% → 57% |
| Treasury | 10,774 | 9,842 | 26,066 | 28,427 | 34% → 30% |
| Wholesale Banking | 6,118 | 5,535 | 9,169 | 11,166 | 19% → 12% |
| Other Banking Business | 153 | 336 | 1,075 | 1,027 | 0% → 1% |
| Total | 31,998 | 33,819 | 83,623 | 94,503 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
“to create a skill-based organization, and corporate governance.”
Healthier than 55% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 192–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 36
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in IDFCFIRSTB?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-03.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹11,923 cr |
| Other Income | ₹2,305 cr |
| Total Income | ₹14,228 cr |
| Interest Expended | ₹5,735 cr |
| Employee Cost | ₹2,187 cr |
| Other Operating Expenses | ₹3,756 cr |
| Total Expenditure | ₹11,677 cr |
| Operating Profit before Provisions | ₹2,552 cr |
| Provisions & Contingencies | ₹1,139 cr |
| Profit before Tax | ₹1,412 cr |
| Tax Expense | ₹363 cr |
| Net Profit | ₹1,049 cr |
| Net margin on total income | 7.4% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 10,553 cr | 11,051 cr | 11,923 cr |
| Total income | 12,183 cr | 13,361 cr | 14,228 cr |
| Expenses | — | — | — |
| Profit before tax | 201 cr | 1,482 cr | 1,412 cr |
| Tax | -130 cr | 334 cr | 363 cr |
| Net profit (owners' share) | 331 cr | 1,148 cr | 1,049 cr |
| Net margin (owners' share, on revenue) | 3.1% | 10.4% | 8.8% |
| EPS (₹) | 0.38 | 1.33 | 1.22 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹726 | ₹11.19 L cr | 13.5 | 13.7% | 21.8% | — |
| ICICI Bank Limited | ₹1,425 | ₹10.23 L cr | 15.6 | 16.9% | 30.9% | — |
| Kotak Mahindra Bank Limited | ₹465 | ₹4.62 L cr | 20.5 | 11.6% | 28.4% | — |
| Axis Bank Limited | ₹1,233 | ₹3.84 L cr | 12.4 | 13.3% | 20.1% | — |
| IDBI Bank Limited | ₹78 | ₹83,482 cr | 9.4 | 12.3% | 26.1% | — |
| The Federal Bank Limited | ₹334 | ₹82,526 cr | 13.7 | 14.2% | 18.7% | — |
| IndusInd Bank Limited | ₹857 | ₹66,753 cr | 13.4 | 7.3% | 10.5% | — |
| IDFC First Bank Limitedthis company | ₹73 | ₹63,119 cr | 15.0 | 8.5% | 8.8% | — |
| RBL Bank Limited | ₹350 | ₹54,338 cr | 27.2 | 4.6% | 11.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.25 / share | 7 Aug 2026 |
| Dividend | ₹0.25 / share | 11 Jul 2025 |
| Dividend | ₹0.75 / share | 23 Jul 2018 |
| Dividend | ₹0.75 / share | 20 Jul 2017 |
| Buyback | Interest Payment/Buy Back | 9 Mar 2017 |
| Buyback | Buy Back | 9 Mar 2017 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
As of Sep 2025, the company says it has spent 100% of what it set aside.
The rupee amounts in this company’s own breakdown don’t add up to the amount it says it raised — a common filing slip, where a table meant to be read in lakhs is entered as whole rupees. Rather than guess which is right, we show only the percentages, which are unaffected.
As of Sep 2025, the company says it has spent 100% of what it set aside.
The rupee amounts in this company’s own breakdown don’t add up to the amount it says it raised — a common filing slip, where a table meant to be read in lakhs is entered as whole rupees. Rather than guess which is right, we show only the percentages, which are unaffected.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing