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Swing Capital

Federal Bank Ltd

NSE: FEDERALBNK BSE: 500469Banking

The Federal Bank Limited (‘the Bank’) was incorporated in 1931 as Travancore Federal Bank Limited. It provides retail and corporate banking, para banking activities such as debit card, third party product distribution etc., treasury and foreign exchange business.[1].It is the second-largest bank and the largest private sector bank in Kerala[2]

₹285
52W: ₹185 — ₹302
PE 17 · Book ₹157 · +82% vs book
Market Cap₹70,214 Cr
Stock P/E17Price to Earnings
ROCE6.27%Return on Capital
ROE11.4%Return on Equity
Div. Yield0.43%Face Value ₹2

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 12.8% over last 3 years.
  • −Contingent liabilities of Rs.2,17,495 Cr.
  • −Company might be capitalizing the interest cost
  • −Dividend payout has been low at 7.44% of profits over last 3 years

Shareholding Pattern

Promoters0%
FIIs26.05%
DIIs50.39%
Public23.56%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters0%0%0%0%0%0%0%0%
FIIs28.63%27.72%▼0.926.32%▼1.426.28%▼0.026.86%▲0.625.54%▼1.324.94%▼0.626.05%▲1.1
DIIs44.97%46.95%▲2.048.9%▲1.949.07%▲0.248.17%▼0.949.71%▲1.551.1%▲1.450.39%▼0.7
Public26.4%25.32%▼1.124.77%▼0.624.66%▼0.124.96%▲0.324.74%▼0.223.96%▼0.823.56%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses1,6401,7441,8511,9242,0702,0562,2942,2962,3562,782
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit1,0079061,0101,0579551,0308629551,0411,259
EPS ₹4.143.724.124.313.894.23.513.884.235.11

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 50.39% (+8.28pp change). FIIs: 26.05% (-0.22pp change). Promoters hold 0%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 17x with 6.27% ROCE. Price is 82% above book value of ₹157. Dividend yield: 0.43%.

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