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Federal Bank Ltd. (India) (FEDERALBNK) Stock Price & Analysis
FEDERALBNK Stock Chart & Stats
- Day’s Range
- INR 338.10 - INR 348.95
- 52-Week Range
- INR 232.50 - INR 364.95
- Previous Close
- INR 347.50
- Volume
- 6.58M
- Average Volume (3M)
- 367.05K
- Market Cap
- INR 838.55B
- Enterprise Value
- INR 948.75B
- Total Cash (Recent Filing)
- INR 262.00B
- Total Debt (Recent Filing)
- INR 379.96B
- Price to Earnings (P/E)
- 16.1
- Beta
- 1.13
- Next Earnings
- Jan 15, 2027 (Est.)
- EPS Estimate
- 5.46
- Last Dividend Ex-Date
- Aug 14, 2026
- Dividend Yield
- 0.35%
Bulls Say, Bears Say
Bulls Say
Improving Asset Quality
Improving gross and net non-performing assets, lower credit costs, and high provision coverage strengthen earnings quality and reduce downside from credit losses. These trends support more predictable profitability and provide a stronger foundation for continued loan growth over the next several quarters.
CASA And Deposit Franchise
Faster CASA growth than total deposits indicates improving access to relatively lower-cost funding, which can support the bank's net interest spread and reduce reliance on more expensive deposits. A stronger deposit franchise also improves funding capacity for sustained asset growth.
Scalable Growth And Profitability
Record profit growth alongside a business franchise exceeding INR 6 lakh crore demonstrates meaningful operating scale and strong current earnings momentum. Greater scale can spread infrastructure and technology investments across a larger base, supporting durable earnings capacity if asset quality remains disciplined.
Bears Say
Volatile Cash Generation
Large swings in operating and free cash flow reduce confidence in the consistency of internally generated funding, even though the latest year was strong. For a bank, this variability can complicate capital allocation and makes sustained cash generation less predictable across changing credit and liquidity conditions.
Deposit Cost And Margin Pressure
Slower improvement in deposit costs and the reported drag from FCNR funding could constrain near-term margin expansion. Intensifying competition for deposits may further raise funding costs, making management's NIM improvement guidance dependent on asset yields, mix, and disciplined liability pricing.
Bancassurance Regulatory Risk
Potential changes to bancassurance rules could reduce a meaningful fee-income stream or alter how the bank distributes insurance products. Because the final regulation and impact remain uncertain, this creates a structural risk to non-interest income and could require adjustments to the bank's fee strategy.
Federal Bank Ltd. (India) News
FEDERALBNK FAQ
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Company Description
Federal Bank Ltd. (India)
The Federal Bank Limited, an prominent Indian financial institution, delivers a comprehensive array of banking and financial solutions across the nation. Its operations are strategically divided into four key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The bank offers a diverse range of deposit products catering to various customer needs, including standard savings and current accounts, specialized noor personal and salary accounts, demat accounts, and a variety of term deposits such as fixed deposits, cash certificates, and recurring deposits. They also provide unique options like exchange earners' foreign currency accounts, gilt accounts, and specific NRI deposit schemes. Regarding credit facilities, Federal Bank's portfolio is extensive. It encompasses personal loans (including gold, housing, car, property, educational, and instant digital options), business finance for SMEs, agricultural and allied sector loans, as well as broader term loans, project finance, and working capital solutions. The bank also facilitates credit through loans against sovereign gold bonds and fixed deposits, alongside offering debit and credit card services. Beyond traditional banking, the institution extends its offerings to include various insurance products (life, health, and general). It also provides critical financial services such as cash management, wealth management, and merchant banking. Investment avenues include mutual funds, sovereign gold bonds, online trading platforms, and participation in the National Pension System. Furthermore, Federal Bank is active in treasury products, and a wide range of transactional and digital services, including remittance, fund transfers, payment and collection services, bill discounting, bank guarantees, letters of credit, packing credit limits, trade finance, LC bill discounting, internet banking, mobile banking, ATM services, and tele banking. The bank, incorporated in 1931, was originally known as Travancore Federal Bank Limited before adopting its current name in March 1947. Its corporate headquarters are situated in Aluva, India.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Krishnan Venkat Subramanian
- Employees
- 16,941
- Website
- www.federal.bank.in
- Address
- Federal Towers, Aluva, KE, 683101, IN
Federal Bank Ltd. (India) (FEDERALBNK) Earnings & Revenues
FEDERALBNK Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, supported by record net profit and other income, broad-based deposit and loan growth, improved margins relative to the prior year, better asset quality, lower credit costs, stronger coverage and improved returns. The main challenges discussed were higher inflation and tighter monetary policy, moderating deposit-cost benefits, the FCNR-related NIM effect, one-time ESOP accounting costs, ongoing investment-related expenses, potentially non-recurring treasury gains and uncertainty around draft bancassurance regulations. Highlights significantly outweighed the lowlights.
View all IN:FEDERALBNK earnings summariesFEDERALBNK Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 6 | 4 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 9 | 0 | 3 |
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