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Swing Capital

Fedbank Financial Services Ltd

NSE: FEDFINA BSE: 544027Banking

Fedbank Financial Services Limited a subsidiary of The Fedral Bank Limited, provides Gold Loans, Home Loans, Loan Against Property (LAP), and Business Loan Services.[1]

₹151
52W: ₹90.4 — ₹178
PE 16.4 · Book ₹78.2 · +93% vs book
Market Cap₹5,643 Cr
Stock P/E16.4Price to Earnings
ROCE9.06%Return on Capital
ROE12.6%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company has delivered good profit growth of 41.0% CAGR over last 5 years

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 11.7% over last 3 years.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters60.79%
FIIs0.66%
DIIs18.82%
Public19.73%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters61.35%61.16%▼0.261.04%▼0.161.03%▼0.060.97%▼0.160.88%▼0.160.81%▼0.160.79%▼0.0
FIIs0.85%0.63%▼0.20.52%▼0.10.49%▼0.00.77%▲0.31.17%▲0.40.91%▼0.30.66%▼0.3
DIIs23.43%22.56%▼0.921.36%▼1.220.81%▼0.620.11%▼0.719.36%▼0.818.17%▼1.218.82%▲0.6
Public14.38%15.64%▲1.317.08%▲1.417.67%▲0.618.15%▲0.518.59%▲0.420.11%▲1.519.73%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses156154184207273210187202215228
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit656870651972758088101
EPS ₹1.771.831.891.740.51.922.012.142.352.69

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.

Capex Cycle

CWIP at ₹2Cr (1% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 18.82% (-3.82pp change). FIIs: 0.66% (-1.88pp change). Promoters hold 60.79%.

Margin & Efficiency

ROCE improving from 0% (Mar 2019) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 16.4x with 9.06% ROCE. Price is 93% above book value of ₹78.2. Dividend yield: 0%.

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