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Fedbank Financial Services Ltd.
(FEDFINA)
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Rating:55Neutral
Price Target:
₹153.00
▼(-3.07% Downside)
Action:Reiterated
Date:08/06/26
The score is anchored by solid profitability and strong multi-year growth, but is held back by high leverage and historically volatile operating/free cash flow. Technical indicators add near-term caution (negative MACD, below key short-term averages), while valuation is moderately supportive with a ~15x P/E.
Positive Factors
Sustained revenue growth & profitability
Multi-year revenue expansion alongside consistent net income demonstrates durable product-market fit and scalable lending operations. This provides a stable earnings base to finance growth, absorb periodic credit costs, and fund capital needs over the next several quarters without relying solely on short-term market moves.
Negative Factors
Materially rising leverage
Rapid debt growth leaves the company more sensitive to funding cost increases and market liquidity tightening. Elevated leverage compresses margin for error on asset quality deterioration and mandates continued access to wholesale funding; this structural exposure can constrain prudent growth and raise refinancing risk over coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth & profitability
Multi-year revenue expansion alongside consistent net income demonstrates durable product-market fit and scalable lending operations. This provides a stable earnings base to finance growth, absorb periodic credit costs, and fund capital needs over the next several quarters without relying solely on short-term market moves.
Read all positive factors
Fedbank Financial Services Ltd. (FEDFINA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹60.62B
Dividend YieldN/A
Average Volume (3M)48.75K
Price to Earnings (P/E)15.8
Beta (1Y)0.75
Revenue Growth12.25%
EPS Growth65.80%
CountryIN
Employees5,303
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)10.23
Shares Outstanding375,016,540
10 Day Avg. Volume47,973
30 Day Avg. Volume48,747
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.58
Price to Sales (P/S)2.08
P/FCF Ratio18.54
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)12.54
Revenue Forecast (FY)₹16.87B
Fedbank Financial Services Ltd. Business Overview & Revenue Model
Company Description
Fedbank Financial Services Limited, a non-banking finance company (NBFC), provides financing services to individuals and businesses in India. The company operates through three segments: Distribution, Retail Finance, and Wholesale Finance. The com...
How the Company Makes Money
FEDFINA primarily makes money through its lending business. Its core revenue stream is interest income earned on loans (the spread between the interest it charges borrowers and its cost of funds). It also earns fee and commission income associated...
Fedbank Financial Services Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.63B | 22.27B | 19.73B | 15.22B | 11.51B | 8.54B |
| Gross Profit | 13.37B | 12.39B | 7.56B | 5.47B | 4.51B | 3.42B |
| EBITDA | 7.50B | 5.15B | 3.65B | 3.75B | 2.94B | 1.85B |
| Net Income | 3.83B | 3.44B | 2.25B | 2.45B | 1.80B | 1.03B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 168.75B | 132.50B | 111.38B | 90.71B | 65.56B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 14.42B | 8.56B | 10.61B | 8.22B | 6.57B |
| Total Debt | 0.00 | 136.75B | 104.06B | 83.40B | 72.70B | 51.54B |
| Total Liabilities | -29.26B | 139.49B | 107.02B | 88.77B | 77.15B | 54.02B |
| Stockholders Equity | 29.26B | 29.26B | 25.47B | 22.59B | 13.56B | 11.54B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.50B | -9.98B | -7.87B | -14.89B | 2.27B |
| Operating Cash Flow | 0.00 | 2.77B | -9.80B | -7.76B | -14.74B | 2.54B |
| Investing Cash Flow | 0.00 | -28.82B | 3.29B | -1.00B | -1.29B | -15.98B |
| Financing Cash Flow | 0.00 | 32.20B | 11.87B | 17.87B | 16.32B | 8.84B |
Fedbank Financial Services Ltd. Technical Analysis
Positive
157.85
Price Trends
154.56
Positive
153.93
Positive
148.17
Positive
Market Momentum
2.14
Negative
66.44
Neutral
72.53
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FEDFINA, the sentiment is Positive. The current price of 157.85 is above the 20-day moving average (MA) of 156.15, above the 50-day MA of 154.56, and above the 200-day MA of 148.17, indicating a bullish trend. The MACD of 2.14 indicates Negative momentum. The RSI at 66.44 is Neutral, neither overbought nor oversold. The STOCH value of 72.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:FEDFINA.
Fedbank Financial Services Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | ₹24.29B | 5.89 | ― | ― | 20.59% | 225.35% | |
62 Neutral | ₹67.30B | 26.72 | ― | 0.13% | 22.60% | 21.00% | |
62 Neutral | ₹110.64B | 22.83 | ― | ― | 27.55% | 28.90% | |
58 Neutral | ₹53.70B | 13.58 | ― | 0.68% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹60.62B | 15.82 | ― | ― | 12.25% | 65.80% | |
47 Neutral | ₹13.28B | 5.80 | ― | 3.06% | 35.80% | -5.33% |
* General Sector Average
IN:FEDFINA
Fedbank Financial Services Ltd.
165.50
23.05
16.18%
IN:MASFIN
MAS Financial Services Ltd.
295.40
-21.24
-6.71%
IN:PAISALO
Paisalo Digital Ltd.
79.18
41.67
111.09%
IN:SATIN
Satin Creditcare Network Ltd
217.25
73.05
50.66%
IN:SBFC
SBFC Finance Limited
98.52
-7.83
-7.36%
IN:UGROCAP
Ugro Capital Limited
85.33
-91.32
-51.70%
Fedbank Financial Services Ltd. Corporate Events
Fedbank Financial Services Allots 394,636 Shares on Employee Stock Option Exercise
Jun 17, 2026
Fedbank Financial Services has allotted 394,636 equity shares of Rs 10 each following the exercise of vested stock options by employees under its 2018 and 2024 stock option schemes. The move marginally increases the company’s paid-up equity ...
Fedbank Financial Services details June 9 investor meetings in Mumbai
Jun 9, 2026
Fedbank Financial Services Ltd. informed exchanges that its officials held a series of investor meetings in Mumbai on June 9, 2026, running from 10:05 a.m. to 4:55 p.m. The company said these interactions form part of its regular disclosures under...
Fedbank Financial Services Allots 188,719 Shares on ESOP Exercise
Jun 4, 2026
Fedbank Financial Services has approved the allotment of 188,719 equity shares with a face value of Rs. 10 each following the exercise of vested stock options under its 2018 employee stock option scheme. This issuance increases the company’s...
Fedbank Financial Services Allots ESOP Shares, Marginally Increases Equity Capital
May 6, 2026
Fedbank Financial Services has allotted 71,125 equity shares of ₹10 each following the exercise of vested stock options under its 2018 employee stock option scheme. This raises its paid-up equity capital from ₹3,74,25,16,010 to ₹...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.