Want to see IN:IDFCFIRSTB full AI Analyst Report?
IDFC First Bank Ltd. (IDFCFIRSTB) AI Stock Analysis
IDFC First Bank Ltd.
(NSE:IDFCFIRSTB)
The score is primarily driven by mid-range fundamentals—good multi-year growth and improving leverage, but weaker recent earnings momentum and volatile cash flows. Technicals add support as the stock is in an uptrend with positive momentum, while valuation and a low dividend yield constrain the overall rating.
IDFC First Bank Ltd. (IDFCFIRSTB) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 638.22B
- Dividend Yield
- 0.34%
- Average Volume (3M)
- 1.10M
- Price to Earnings (P/E)
- 21.1
- Beta (1Y)
- 1.21
- Revenue Growth
- 13.41%
- EPS Growth
- 83.77%
- Country
- India
- Employees
- 43,059
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
IDFC First Bank Ltd. Business Overview & Revenue Model
Company Description
Established in 2014 and headquartered in Mumbai, India, IDFC First Bank Limited adopted its current name in January 2019, having previously operated as IDFC Bank Limited. The bank delivers a comprehensive suite of banking and financial solutions acro...
How the Company Makes Money
IDFC First Bank primarily makes money through net interest income and fee-based income. Net interest income is earned from the spread between interest received on loans and other interest-earning assets and interest paid on deposits and borrowings; t...
IDFC First Bank Ltd. Financial Statement Overview
Summary
Strong multi-year revenue expansion and an improving capital/leverage profile support the score, but recent earnings momentum has softened (net income down from the 2024 peak) and cash flow quality is inconsistent due to a large negative swing in 2025.
Income Statement
62PositiveBalance Sheet
66PositiveCash Flow
52Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 523.14B | 484.22B | 434.78B | 363.50B | 272.83B | 207.62B |
| Gross Profit | 305.63B | 290.89B | 262.70B | 224.80B | 171.93B | 132.97B |
| EBITDA | 37.06B | 26.68B | 27.00B | 44.88B | 37.66B | 5.57B |
| Net Income | 30.06B | 16.11B | 14.90B | 29.42B | 24.85B | 1.32B |
Balance Sheet | ||||||
| Total Assets | 4.71T | 4.00T | 3.44T | 2.96T | 2.40T | 1.90T |
| Cash, Cash Equivalents and Short-Term Investments | 150.51B | 127.67B | 150.99B | 124.81B | 137.79B | 50.30B |
| Total Debt | 539.68B | 366.33B | 389.84B | 591.85B | 624.91B | 570.67B |
| Total Liabilities | 4.21T | 3.52T | 3.06T | 2.64T | 2.14T | 1.69T |
| Stockholders Equity | 495.75B | 474.04B | 381.56B | 322.74B | 258.48B | 210.82B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 60.39B | -378.94B | 43.15B | 23.75B | 21.97B |
| Operating Cash Flow | 0 | 68.17B | -369.75B | 56.88B | 35.63B | 26.79B |
| Investing Cash Flow | 0 | -141.43B | -34.78B | -98.87B | -119.96B | -217.85B |
| Financing Cash Flow | 0 | 49.72B | 427.67B | -29.54B | 65.09B | 272.14B |
IDFC First Bank Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:IDFCFIRSTB, the sentiment is Negative. The current price of 73.63 is below the 20-day moving average (MA) of 76.41, below the 50-day MA of 81.41, and below the 200-day MA of 76.72, indicating a bearish trend. The MACD of -2.68 indicates Positive momentum. The RSI at 37.44 is Neutral, neither overbought nor oversold. The STOCH value of 39.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:IDFCFIRSTB.
IDFC First Bank Ltd. Peers Comparison
Overall Rating
- IN:IDFCFIRSTB63Neutral
IN:RBLBANK61Neutral
IN:YESBANK55Neutral
IN:AUBANK53Neutral
IN:BANDHANBNK53Neutral
IN:INDUSINDBK45Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:IDFCFIRSTB | 63Neutral | INR 620.11B | 21.10 | ― | 0.34% | 13.41% | 83.77% |
| IN:RBLBANK | 61Neutral | INR 544.85B | 25.16 | ― | 0.28% | 9.04% | 57.73% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:YESBANK | 55Neutral | INR 475.86B | 11.71 | ― | ― | 5.03% | 47.78% |
| IN:AUBANK | 53Neutral | INR 649.53B | 21.12 | ― | 0.11% | 16.85% | 44.38% |
| IN:BANDHANBNK | 53Neutral | INR 247.96B | 13.42 | ― | 0.97% | 0.82% | 51.69% |
| IN:INDUSINDBK | 45Neutral | INR 654.48B | 21.77 | ― | 0.18% | -2.29% | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:IDFCFIRSTB | IDFC First Bank Ltd. | 73.57 | -7.28 | -9.01% | |
| IN:AUBANK | AU Small Finance Bank Limited | 889.10 | 9.86 | 1.12% | |
| IN:BANDHANBNK | Bandhan Bank Ltd. | 154.75 | -0.11 | -0.07% | |
| IN:INDUSINDBK | IndusInd Bank Ltd. | 836.35 | 48.13 | 6.11% | |
| IN:RBLBANK | RBL Bank Ltd. | 353.00 | 29.84 | 9.23% | |
| IN:YESBANK | Yes Bank Limited | 15.57 | -7.45 | -32.36% |
IDFC First Bank Ltd. Corporate Events
IDFC First Bank Files Q2 FY27 Earnings Call Transcript With Exchanges
IDFC First Bank has released the official transcript of its earnings conference call for the quarter and half year ended September 30, 2026. The call followed a board meeting held on October 24, 2026, and the transcript has been filed with the stock...
IDFC First Bank Posts Q2 FY27 Earnings Call Audio for Investors
IDFC First Bank has notified stock exchanges that it has published the audio recording of its Q2 FY27 earnings call with analysts and investors. The call discussed the bank’s unaudited financial results for the quarter and half year ended Septe...
IDFC First Bank PAT Surges 196% as FCNR(B) Mobilisation and Efficiency Boost Q2 FY27
IDFC First Bank reported a sharp improvement in profitability for the quarter ended September 30, 2026, with profit after tax rising 196.5% year-on-year to ₹1,045 crore and crossing the ₹1,000 crore mark for the second consecutive quarter...
IDFC First Bank Shares Q2 FY27 Unaudited Results with Investors
IDFC First Bank Limited has released an investor presentation detailing its unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2026. The disclosure, covering Q2 FY27, has been filed with Indian s...
IDFC First Bank reshapes board leadership with new chair and executive re-appointment
IDFC First Bank’s board has approved key changes in its leadership, appointing independent director S. Ganesh Kumar as part-time non-executive chairperson from May 10, 2027 to April 29, 2029, subject to regulatory approvals. Kumar, a former Res...
Crisil Reaffirms Top-Tier Ratings for IDFC First Bank Amid Strong Growth and Asset Quality Gains
Crisil Ratings has reaffirmed IDFC First Bank’s top-tier credit ratings on key funding instruments, maintaining ‘CRISIL AAA/Stable’ for fixed deposits of ₹1.60 lakh crore, ‘CRISIL AA+/Stable’ for ₹8,000 crore...
IDFC First Bank Allots Shares Under Employee Stock Option Scheme
IDFC First Bank has approved the allotment of 486,713 new equity shares to eligible employees following the exercise of vested stock options under its Employee Stock Option Scheme. The newly issued shares, which carry a face value of ₹10 each a...
IDFC First Bank Secures Investment-Grade Global Ratings on Dollar Notes
IDFC First Bank has received new investment-grade international ratings on recent foreign currency debt issues, underscoring growing investor confidence in its balance sheet. S&P Global Ratings assigned a BBB- long-term rating to the bank’s...
IDFC First Bank Makes Maiden $500 Million Foray Into International Debt Markets
IDFC First Bank Ltd. has entered the international debt capital markets through its IFSC Banking Unit with a maiden issuance of USD-denominated senior notes. The bank is positioning itself as a more globally connected lender, using offshore structure...
IDFC First Bank Sets August 31 Virtual AGM, Dispatches FY26 Annual Report
IDFC First Bank has notified the stock exchanges that it has dispatched the notice for its 12th Annual General Meeting, along with the integrated annual report for the financial year 2025-26, to shareholders. The AGM is scheduled for August 31, 2026,...
IDFC First Bank Sets August Roadshow with Global and Domestic Investors
IDFC First Bank has announced a series of analyst and institutional investor meetings as part of multiple investor conferences in August 2026 across Singapore, Hong Kong, and Mumbai. The bank will use its Q1 FY27 investor presentation for these engag...
IDFC First Bank Sets Virtual AGM for August 31, 2026 and Releases FY 2025-26 Annual Report
IDFC First Bank has scheduled its 12th Annual General Meeting for August 31, 2026, at 2:00 p.m. IST, to be conducted via video conferencing and other audio-visual means in line with regulatory guidelines from the Companies Act, the Ministry of Corpor...
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.
Date of analysis: Aug 06, 2026